At Evans, all mortgage decisions are made locally, which means we can tailor our mortgage programs to meet your specific needs.  Terms ranging from 10-30 years are available.  You can also choose between adjustable or fixed-rate mortgage options.

Conventional Fixed-Rate Mortgage
Nothing provides peace of mind like the stability of a fixed-rate mortgage.  The monthly payment or principal and interest will remain the same for the entire term of your loan.  
Fixed-rate mortgages are an attractive solution for those who expect to be in their home for a long period of time, or for those who want the security of a fixed monthly payment. 
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First Home Club
The Federal Home Loan Bank of New York (FHLBNY) will match your funds 4 to 1 up to $7,500 with a homebuyer's systematic dedicated savings account through Evans Bank.  Low to moderate-income families can make home ownership a reality.  Funds can be used toward a down payment and/or closing costs to purchase your first home.  A savings account is required for a 10-24 month period and you must complete a registered home ownership counseling program.  Home ownership with a plan-that's the First Home Club.  
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MyCommunity Mortgage®
No matter how much you work or how much you save, sometimes it's hard to save enough for a large down payment.  With MyCommunity Mortgage®, you can say goodbye to a big down payment and hello to home ownership.  With this affordable, flexible home loan, first-time homebuyers only have to put down a small amount. 
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Evans Neighborhood Mortgage
Are you ready for a home of your own?  Or maybe you simply want to refinance and take advantage of low interest rates.  The Evans Neighborhood Mortgage features flexible underwriting criteria to promote home ownership.  With no household income limitations and as little as a 3% down payment, this program is available for Purchases and Refinance Transactions.  Consult with a Mortgage Loan Officer to determine eligibility. 
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Evans Affordable Mortgage
Evans Bank takes pride in making home ownership available to everyone.  This program offers a low down payment and expanded qualifying ratios.  Attractive interest rates make home ownership a reality.  This program features flexible underwriting criteria to individuals meeting income limitations (80% of HUD Area Median Income) for as little as 0% down payment and closing cost assistance provided by Evans Bank.  Consult with a Mortgage Loan Officer to determine eligibility. 
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Home Buyer Seminars
Buying a new home?  Attend a complimentary Evans Home Buyer Seminar in your area, where you can learn more about the home buying process first-hand from industry professionals.  These workshops are offered to anyone who is currently, or will be, going through the home buying process.  Speak with experts in the field who can educate you on what you need to know to make the process as seamless as possible, including how to get started, and what important information/documents you will need along the way.  Please contact Eric Gadley at 926-2000 x3119 for further details on upcoming seminars.

New Construction Mortgages
The dream of building a home can become a reality with this convenient program, designed to take you through and beyond the construction loan period.  
The short-term construction loan is designed to cover costs during construction.  Funds are drawn as phases of the building are completed.  Interest-only payments are made monthly only on the amount drawn.
Once the home is completed, the loan will be converted to a permanent-mortgage of your choice. 
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Evans Unique Situations
Sometimes "Unique Situations" deserve special attention.  Individual circumstances are reviewed and special funding options may be available to meet your needs.  
We are committed to exploring more choices than standard mortgage channels when offering the products you desire.  Although credit standards are still high, our goal is to provide a product that works for you.

Learn more about the federally regulated SAFE Act.

Mortgage Application Resources
The following resources are available to assist you with the mortgage application process:

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Borrowers Checklist
- Itemized list of required documentation to process application
Borrowers Contact Form
- Quick contact form
Residential Mortgage Application - Visit any branch for details
Financial Calculators
- Resource tool to help estimate costs
Mortgage Loan Originators
-List of all Evans Registered Mortgage Loan Originators