Main Content Login Locations Contact Security Rates Open an Account Resources Skip Text MORTGAGE PROCESS GETTING STARTED WITH THE MORTGAGE PROCESS The first step is sometimes the biggest, so we go out of our way to make it easy for you. Gather your important papers and let’s get started. Reach us by telephone, at the branch or online. SPEAK WITH AN EXPERT Apply Now STEPS For starters, we will review your financials, including your credit history, debt-to-income ratio, borrowing power and down payment amount. Be prepared to provide a valid driver’s license, social security number, as well as your basic debt, income and asset information. We will explain all of our mortgage loan solutions to you and help you decide on one that best fits your financial situation and preferences. You will be pre-approved for your loan. Now it’s time to put an offer on a home and proceed to closing. Depending on the situation, the buyer, seller, lender, realtors and attorneys may all attend. Be sure to bring the following to closing: a valid photo ID and a cashier’s check (if not using a wire transfer) to cover any applicable down payment and closing costs. Congratulations. You are a homeowner. As you leave the closing, you will receive a copy of the loan and title company documents you signed, along with the keys to your new home. YOU MAY ALSO BE INTERESTED IN: Insurance > High Peaks Money Market > Credit Cards > Checking Accounts > Stay Connected Sign UpWebsite Feedback © 2020 Adirondack Trust Company Get In Touch 473 Broadway Saratoga Springs, NY 12866 (518) 584-5844 Email Customer Service Quick Links Lost or Stolen Card Reorder Checks Open an Account Calculators Careers Legal Information Privacy Notice Terms of Use Security Alerts Disclosures Forms NYSDFS FAQs NMLS#645688 Site Map Routing#021302884 Member FDIC Investment & Insurance Products are: NOT A DEPOSIT * NOT FDIC INSURED * NOT GUARANTEED BY THE BANK * NOT INSURED BY ANY GOVERNMENT AGENCY * MAY GO DOWN IN VALUE Above and Beyond and the Adirondack Trust Company logo are registered trademarks of The Adirondack Trust Company. - Get Adobe Reader The web site you have selected is an external one located on another server. Adirondack Trust Company has no responsibility for any external Web site. It neither endorses the information, content, presentation, or accuracy nor makes any warranty, express or implied, regarding any external site. Thank you for visiting Adirondack Trust Company's Web site. Continue