A home for all your mortgage needs

At Fairport Mortgage, you’ll get the support of experienced mortgage professionals who will take the time to understand your needs and determine the appropriate mortgage solution for your unique situation.

Our mortgage specialists will work with you one-on-one through every step of the process, from pre-qualification to closing. We’ll answer your questions and provide the support you need to turn that dream house into your home sweet home.

The Fairport Mortgage experience

  • Personal service from an experienced mortgage specialist
  • Help selecting the right mortgage from a full range of mortgage products
    • Conventional
    • FHA
    • VA
    • USDA
    • Construction draw and end loans
    • Home equity loans and lines of credit
  • Competitive fixed and adjustable rates
  • Local decisions based on your individual situation, not just credit scores alone
  • First Home Club, a savings match program for first-time homebuyers

Mortgage Solutions

Conventional Fixed Rate Mortgage
If you’re planning to stay in your new home long term and like the idea of having the same payment over the course of your mortgage, the fixed rate option is for you. A fixed rate mortgage is designed to protect you from rising interest rates by keeping your rate the same. It is easy to budget when you know your first principal and interest payment will be the same as your last. Various terms are available, the choice is yours.

Adjustable Rate Mortgage
An Adjustable Rate Mortgage (ARM) is a great option if you want the lowest possible initial rate or are planning to move or refinance in a few years. ARM rates are normally lower than fixed rate mortgages, but are not guaranteed for the term of the loan. The interest rate changes based on market conditions, but you’re protected by a rate cap from big payment swings.

Jumbo Mortgage
If you’re planning to finance a home for greater than $417,000, you’ll want to consider this special fixed rate mortgage. It’s designed for buyers who want a competitive rate and can afford larger monthly payments.

FHA Mortgage
Federal Housing Administration (FHA) loans can be ideal for first-time homebuyers because they offer low down payment options and greater flexibility for buyers who may not meet conventional loan guidelines.

VA Mortgage
This exclusive loan is for Veterans and active-duty members of the U.S. Armed Forces. A Veterans Affairs (VA) mortgage is a federally insured loan designed to offer low or no down payment, low closing costs and no required monthly mortgage insurance premiums.

USDA Mortgage
If you live in a rural area and are looking for a no down payment financing option, consider a U. S. Department of Agriculture (USDA) mortgage.   This federally insured loan offers low interest rates and no down payment on eligible properties.

Construction End Loans
Building instead of buying? With the construction end loan you can lock into one low rate for the duration of the build. Once construction on your new home is complete, there is a one-time disbursement of funds.  Construction End Loans provide a longer lock-in period for the builder to complete your new home.

Construction Draw Loans
Are you looking to build but want funds disbursed as construction progresses? This construction loan does just that. It allows funds to be disbursed in draws and once construction is complete, this loan simply converts into a permanent regular mortgage. It gives you flexibility as you build, and stability once you’re done. And even though it can be viewed as two separate loans, there is only one closing, saving you time and money.

First Home Club
A unique savings program for qualified first-time homebuyers that provides down payment and closing cost assistance.  The First Home Club provides a great opportunity to make your dream of becoming a homeowner a reality.  Learn more.

Opening Hours

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Address

Our Address:

132 Cayuga Road, suite 1C Cheektowaga, NY 14225

Telephone:
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