Changes to Branch Office Hours:

Beginning June 1, our Orchard Park office will close at 5:00 pm on Fridays. Our East Amherst branch will now be closed on Saturdays. Both offices will continue to offer live personal service via our drive-up SMART Stations. SMART Stations offer extended banking hours: M-F 7am-7pm and Saturday 8am-3pm. We apologize for any inconvenience this may cause.

Mortgages

For many people, buying a home is the single most significant financial step of a lifetime. It’s also one of the most emotional decisions you’ll ever make. Whether you’re a first time home buyer, moving on to a bigger home, or using your equity to refinance an existing home loan, we can help.

Bridge Loans

So you want to buy a new home but have yet to find a buyer for your old home – what do you do? It’s not uncommon for a buyer purchasing a new home to have to secure financing prior to the sale of an existing home. In this case, a bridge loan – also known as “gap financing” or a “swing loan” – can provide the money you need to help complete the new purchase. The funds from the bridge loan are then used as a down payment on the new home by leveraging the equity in your existing home.

If this option fits your current needs, we'll work to get you the money you need. Keep in mind that we have several other borrowing options from which to choose.

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