Home Mortgages
Home Mortgages

Home Mortgages


Feel comfortable in your home, including home mortgage payments that fit your family. We offer fixed rates to make for a consistent, reliable budget or adjustable rates that afford you lower payments when the market is in your favor.

Plus, we're right here in Western New York communities — where we make local mortgage loan decisions — to see you through the home purchase process first-hand!

  • Competitively low interest rates
  • Several convenient mortgage options available, including:
  • Fixed rate mortgages
  • Adjustable rate mortgages
  • Construction loans
  • Rural development loans
  • And more
  • Flexible terms for comfortable repayment
  • Local Western New York mortgage loan decisions
  • Plus, personal service you can trust

Check out our current rates. Then get a quick ballpark view of monthly payments with our mortgage calculator. Or, find a Steuben Trust Loan Officer for expert assistance.

Click here to view the Mortgage Fee Schedule.

Click here for information on mortgage payments or questions on your mortgage.

Construction Loans

Get your dream home off the ground sooner with construction and permanent financing all in one. We offer several draw options for new home construction. Then roll your construction loan into full home mortgage loan upon completion.

Save on closing costs with a convenient one-time closing. Plus, get a competitively low interest rate on this simple short-term loan.

Loan Options

Fixed Rate Conventional – Lock in your rate, various terms available. Ask about 5% down with PMI.

Construction Loans – Construction and permanent financing all in one. Several draw options are available for new home construction.

Vacant Land Loans – Finance up to 75% of the purchase price or value of the land. Terms at competitive fixed rates.

Non-Conventional Property Loans – Seasonal homes and non-conventional properties.

Rural Development – Single family owner occupied property only. 100% financing available. May be able to roll in closing costs. Income limits apply.

Adjustable Rate Mortgage (ARM) – Provides greater flexibility and lower payments when market conditions are in your favor.