Get a low rate on your New Construction Loan!


John Deere Lawn tractor at closing of your New Construction Loan Mortgage!

Your Dream Home Is In Reach.

Trustco Bank welcomes you to the neighborhood with the best in new construction loans.

  • FREE 330-day interest rate lock - Most competitors offer far less!
  • Low closing costs!

  • No lender paid PMI* required - Save hundreds of dollars a year!
  • Financing up to 97% of appraised value!

  • No appraisal fee, no points, no prepayment penalty!

*PMI—Private Mortgage Insurance. Lender paid Private Mortgage Insurance on loans over 89.5% Loan-to-Value. Features listed are available on Trustco Banks New Construction Loan. Conditional pre-approval valid for 90-days with a 60-day rate lock and is based upon the absence of any material adverse change in your circumstances prior to closing, all as determined in our sole discretion, upon your satisfactory completion of the requirements by the bank. Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.

All loans subject to credit approval. Promotional period begins May 20, 2024. Offer valid until fifty (50) applicants qualify for lawn tractor. Offer limited to the first thirty (30) applications in New York, New Jersey, Vermont, and Massachusetts, and the first twenty (20) applications in Florida, for a total of fifty (50) lawn tractors. You must apply for a new construction loan and be approved for the loan to qualify. The approximate retail value of the tractor is $2,592.20. Offer subject to change without notice. If the loan does not close for any reason, the offer will be forfeited. The Lawn Tractor will be given at closing. Employees are not eligible to participate in this promotion. All bonuses will be reported to the internal revenue service. Please Note: We reserve the right to alter or withdraw these products or certain features thereof without prior notification. NMLS #474376