About First Niagara Mortgage

First Niagara Mortgage is a New York State licensed mortgage banker. We currently have six branches in New York State. In operation as Homestead Funding Corp. since February of 1995, our main office is located in Albany. We remain the Capital District's largest mortgage lender having satisfied thousands of customers and originated billions in residential loans. Since our inception we have continued to grow at an unparalleled rate for the mortgage industry. Throughout this growth we have maintained and built upon our reputation of exceptional service, honesty, integrity and financial reliability.

Our goal is simple. We want to offer our customers the best mortgage program to suit their needs. Our mix of traditional and innovative mortgage products gives us the ability to evaluate and deliver a wide variety of competitively priced financing solutions. We understand that not every situation is the same and our company has embraced that diversity in our customers by continually upgrading our product portfolio.

First Niagara Mortgage is committed to working with you to ensure a smooth process from initial pre-qualification and mortgage evaluation to closing. After closing, we maintain contact with our customers to keep apprised of their ever-changing goals so that we can continue to service their home financing needs. This reflects our commitment to serving our customers for life.

Let's Get Started

Now that you know a little about us, it's time to let us know something about you. The next step to home ownership or refinance is only a few key strokes away.

If your goal is to buy, renovate, build, or invest in a one to four unit residential property, just click on the Pre-Qualify Button at the top of this page.

If you want to find out how much you can save by refinancing your home; whether your goal is to reduce your monthly payment, reduce your term or take equity out of your home for debt consolidation, click on the Refinance Button.

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