Hometown First Time Home Buyers Program

Trustco Bank is here for you when you are ready to purchase your first home. We make it easy and are here for you every step of the way.

  • 95% Financing Available (80% Max for Condominiums)
  • Same Low Rate as our 30 Year First Mortgage product
  • Financing Available for up to $550,000
  • Reduced Application and Closing Fees¹
  • Financing Available for Owner Occupied Residential Properties Up to 2 Units
  • A Tax Saver Account will be Opened and Funded with $100 by the Bank²
  • Low Closing Costs
  • Biweekly or Monthly Payment Options Available
  • No Tax Escrow Required - Earn Interest With Your Trustco Tax Saver Account
  • No Appraisal Fee
  • No Points
  • Convenient Automatic Payment Option, From a Trustco Checking Account, With a Lower Interest Rate


Subject to credit approval. 1 - Reduced fees as follows: Application fee: $150 (First Mortgage fee is $299), Title review: $100 (First Mortgage is $200), Document preparation: $125 (First Mortgage is $200). 2 - The $100 Tax Saver Account bonus will be funded at closing. The value of your bonus will be reported on Form 1099-INT.

Income Limits