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Did you know Trustco Bank has expanded its First Mortgage offerings? Trustco Bank is proud to introduce secondary market products, including VA and FHA Loans. First-time home buyers, veterans, and those with less-than-perfect credit, we have options for you. Our expanded mortgage services department is another example on how the best keeps getting better. Here for you for over 120 years. Come home to Trustco, your Home Town Bank.

Buying a House

Trustco Bank can kick-start your home-buying journey with a prequalification to give you an idea of what you can borrow. At this stage, you can explore different mortgage options and find the right fit for your goals. Once we further evaluate your credit, assets, and income, a mortgage preapproval will show sellers you’re a serious buyer and give you a better sense of your loan amount, monthly payment, and interest rate.

Equity Loans

A home equity loan, or a second mortgage, empowers you to borrow a lump sum by leveraging the equity in your home for a fixed rate over a fixed period. With a predictable repayment schedule in mind, you can use your Trustco home equity loan to consolidate debt and pay for large expenses like college tuition, a new vehicle, or home repairs.

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Are you looking for a mortgage loan lender with flexible options to meet your needs? Choose Trustco Bank for your mortgage. At Trustco Bank, we’ve been a leader in low-cost portfolio mortgages, offering building and new construction loans, no-borrower-paid private mortgage insurance, along with home equity products. Our commitment to your financing needs is another example of how the best keeps getting better. Here for you for over 120 years. Come home to Trustco, your Home Town Bank.

Building a House

Eager to make your dream home a reality? Obtaining a construction loan with Trustco might be right for you. These short-term loans pay your contractor as work progresses while providing you a longer repayment period with a lower interest rate than an equity or personal loan.

Consumer Loans

Trustco can provide secured and unsecured loans to fund a variety of expenses. We provide five types of consumer loans including mortgages, credit cards, auto loans, student loans, and personal loans.

Mortgage & Lending Resources


Financial Aid for College

Financial aid is money distributed primarily by the federal government and colleges in the form of loans, grants, scholarships

Man searching for mortgage lending nearby

Home Buying and Lending Made Easier

At Trustco Bank, we’re ready to welcome you to your new home with our mortgage and lending options. Learning about what we offer is as easy as a simple chat online, a phone call, or a stop by our office. Get ready to say home sweet home and start your mortgage application today.