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Rates

Years of timely mortgage payments are about to pay off. Fund all kinds of needs with a loan or line of credit secured by the equity in your home.

Key Features

  • Low Rates
  • Tax Advantages1
  • Local Decision-Making
  • Experienced Lenders
  • Competitively low interest rates
  • Interest may be tax deductible1
  • Loan value based on the equity you've built in your home
  • Borrow up to 85% of the appraised value of your home2
  • Funds available for practically any purpose
  • Flexible terms for comfortable repayment
  • Fast decision-making and local processing
  • Personalized service you can trust from Western New York lenders

1Consult a tax adviser.

2Applications where the first lien position is with another institution - Max LTV is 75%. No double-wides older than 1995 financed.

Applications where STC is in first and second lien position - Max LTV is 85%. No double-wides older than 1995 financed.

  • Interest may be tax deductible1
  • Competitively low interest rates2
  • Only pay interest on what you spend
  • Loan value based on the equity you've built in your home
  • Borrow up to 85% of the appraised value of your home3
  • Use funds for practically any purpose, especially ongoing needs
  • Access funds again and again as necessary without re-applying
  • Funds easily available via check, online banking transfer, or telephone transfer
  • Fast decision-making and local processing
  • Personalized service you can trust from Western New York lenders

1Consult a tax adviser.

2Interest rates are variable, if 1st and 2nd liens with STC - Prime + 0.00%, if 1st is with another institution and 2nd with STC, Prime + .75%. Rates may change after opening account.

3Applications where the first lien position is with another institution - Max LTV is 75%.

Applications where STC is in first and second lien position - Max LTV is 85%.

 

Main Office – One Steuben Square, Hornell NY 14843

James M. Knapp
Residential Mortgage Lender
Home Equity Loan and Line Lender
Commercial Lender
Consumer Lender
NMLS # 544201
Phone: (607) 324-9670 

Mark J. Young
Residential Mortgage Lender
Home Equity Loan and Line Lender
Commercial Lender
Consumer Lender
NMLS # 423072
Phone: (607) 324-9524 

Carolin Campbell
Consumer Lender
NMLS # 1146645
Phone: (607) 324-9648

Arkport Office – 29 Main Street, P.O. Box 468, Arkport NY 14807

Elizabeth A. Giles
Consumer Lender
Home Equity Loan and Line Lender
NMLS # 685572
Phone: (607) 295-7455 

Bath Office – 201 Bath Plaza, P.O. Box 510, Bath NY 14810

Jessica L. Thomas
Residential Mortgage Lender
Home Equity and Line Lender
NMLS # 988294
Phone: (585)-205-5952

Belmont Office – 11 Schuyler Street, P.O. Box 118, Belmont NY 14813

Linda M. Clayson
Home Equity Loan and Line Lender
Consumer Lender
NMLS # 685571
Phone: (585) 268-7631 

Bolivar Office – 319 Main Street, Bolivar, NY 14715

LaRae D. Best
Consumer Lender
Home Equity Loan and Line Lender
NMLS # 685569
Phone: (585) 928-1773 

Canaseraga Office – 37 Main Street, P.O. Box 227, Canaseraga, NY 14822

Elizabeth A. Giles
Consumer Lender
Home Equity Loan and Line Lender
NMLS # 685572
Phone: (607) 545-6516 

Clarence Office – 8503 Main Street, Williamsville, NY 14221

Anthony M. Lanza
Home Equity Loan and Line Lender
Commercial Lender
Consumer Lender
NMLS #471110
Phone: 716-906-3319

Geneseo Office – 11 Megan Drive, Geneseo, NY 14454

Craig W. Nobbs
Residential Mortgage Lender
Home Equity Loan and Line Lender
Commercial Lender
Consumer Lender
NMLS # 685575
Phone: (585) 243-0380

Tracy L. Ingraham
Consumer Lender
Home Equity Loan and Line Lender
NMLS # 1150045
Phone: (585) 243-0380 

Warsaw Office – 2490 North Main Street, P.O. Box 232, Warsaw, NY 14569

Heather L. Aldrich
Consumer Lender
Home Equity Loan and Line Lender
NMLS # 438142
Phone: (585) 786-0261 

Wellsville Office – 475 North Highland Drive, P.O. Box 664, Wellsville, NY 14895

Marcella J. Bledsoe
Consumer Lender
Home Equity Loan and Line Lender
NMLS # 685570
Phone: (585) 596-2006 

James M. Knapp
Residential Mortgage Lender
Home Equity Loan and Line Lender
Commercial Lender
Consumer Lender
NMLS # 544201
Phone: (585) 596-2009

Kathy S. Bentley
Consumer Lender
Home Equity Loan and Line Lender
NMLS # 685568
Phone: (585) 596-2008