Check Out Today’s GREAT RATES!
30-Year Trustco Bank Mortgages:
Purchase 6.125% Rate 6.183% APR1
Refinances 6.125% Rate 6.175% APR1

⭐⭐⭐⭐⭐ 5-Star Rated Bank by Bauer Financial

Save More With Trustco Mortgage Promotions

  • All Mortgage Rates Include a 0.125% Autopay Discount
  • Home Equity Credit Lines Have a Fixed Lower 12-Month Introductory Rate
  • No Tax Escrow or Points Required
  • Free 360-Day Rate Lock for Construction Loans
  • Competitive Rates With Fast, Local Approval
  • No Borrower Paid Private Mortgage Insurance (PMI)*

It’s easy to apply for a mortgage online and take advantage of Trustco’s low mortgage rates. Take advantage of our autopay discount and introductory rates while they last!

Fill out the form to speak to a Loan Originator today!

Why Homebuyers Choose Trustco for Mortgage & Home Equity Loans:

In Person-Assistance With 130+ Branches Across 5 States:

Florida, New York, Massachusetts, New Jersey, and Vermont

Credibility & Trust:

120+ Years Of Community Building and Online Banking for Easy Access

Flexible Lending Options:

Fixed-Rate Mortgages, Construction Loans, and Adjustable-Rate Mortgages (ARMs)

Promotional Features:

Benefits, Such as a Higher Loan-to-Value (LTV) Financing (Up to 97%), Allowing Purchases With a Smaller Down Payment

mortgage rate

Lower Costs:

Auto Pay Discount, No Tax-Escrow Requirement, and No Prepayment Penalty

high yield savings accounts and checking

Fast Approval With Personalized Service:

Trustco Can Help Structure Terms Based on Your Financial Situation (Within Credit Guidelines)

Let Us Recommend The Right Mortgage for You

Refinance Loans

Lower your payments or pay off multiple debts faster. Imagine what you could achieve with all the money you’ll be saving!

Home Purchase Loans

Our fixed-rate and adjustable-rate mortgages are among the most competitive in the industry. And we never require our borrowers to pay Private Mortgage Insurance (PMI)*.

Construction Loans

Building your dream home? We offer a free 360-day rate lock so you can keep your great rate throughout the building process and beyond.

Trustco Mortgage Testimonials

“We recently completed a mortgage at Trustco Bank and we could not be more pleased with the experience! The process was so smooth and seamless – from the rates to the ongoing communication. We felt very supported throughout the journey and specifically appreciated all the care provided. They went above and beyond to ensure our closing happened on time. I highly recommend working with them!”

Sabrina L

Tampa, FL

“Their professionalism, expertise, and commitment to customer service had me feeling like a VIP from start to finish. It was like they had a crystal ball that could predict my every mortgage need before I even knew I had them! If you’re in the market for a mortgage and want to experience the kind of service that will make your heart sing, look no further than TrustCo Bank. They’re like a ray of sunshine in an industry that can sometimes feel like a dark and stormy night. Trust me, you won’t regret it!”

Anant G.

Clifton Park, NY

“Trustco Bank was exceptional during my Home Equity process. They explained everything, answered calls and helped us all the way to the closing table.

I would 100% recommend them!”

Susan S.

North Creek, NY

Ready To Get Started?

1

Talk to One of Our Loan Experts

Get in touch with our loan experts to find the perfect mortgage, terms, and payment schedule for you.

2

Leverage Local Underwriting & Perks

Decisions about your loan are made right here in your home town.

3

Get The Home You’ve Always Dreamed Of

With all the house hunting, paperwork, and closing behind you, all that’s left now is to settle into your brand new home!

Mortgage FAQs

Here are the benefits of each type of mortgage loan with Trustco Bank:

Purchase Loans:

  • No borrower paid private mortgage insurance
  • No appraisal fee
  • No required tax escrow
  • Quick, local decisions
  • Financing up to 97% LTV

New Construction Loans:

  • Enjoy all of the above, plus a 360-day rate lock

Refinance Loans:

  • Tired of your mortgage being sold to different lenders or not knowing who to call when you have a question about your mortgage? When you refinance with Trustco Bank, you know you can deal with the same loan originator from application to closing and over the life of your loan.

Because Trustco Bank is a portfolio lender, your mortgages are not front-loaded with extra fees and inflated costs to make them attractive to third-party lenders. Your mortgage stays at Trustco Bank over the life of the loan. This means Trustco Bank can eliminate extra fees, making it more affordable for you to get the home of your dreams.

Private Mortgage Insurance (PMI) is typically required by many lenders when a borrower puts less than 20% down on a home. It protects the lender—not you—if you default on the loan. At most banks, this added insurance is paid monthly by the borrower, increasing your overall payment. At Trustco Bank, PMI is only required on loans with an LTV greater than 89.5%, which can save you hundreds of dollars each month.

Trustco Bank has been lending locally since 1902, with over 120 years of experience helping families buy, build, and refinance their homes. As a portfolio lender, we:

  • Keep your loan servicing in-house (you always know who to call)
  • Offer lower costs, like no borrower-paid PMI and no appraisal fee
  • Provide local decision-making for faster, more personalized service

With Trustco, you get competitive rates plus the trust and stability of a community bank that puts customers first.

Let’s Get Your Mortgage Journey Started!

Click below to speak with a Loan Originator

Disclaimer

All loans subject to credit approval. *Lender paid Private Mortgage Insurance on loans 89.5% Loan-to-value and over. Please note: We reserve the right to alter or withdraw this product or certain features thereof without prior notification.

*Lender paid Private Mortgage Insurance on loans over 89.5% Loan to Value.

1- Annual Percentage Rate. Rate current as of 4/1/2026 Rate applies to new purchases and refinances only. Rate listed applies to owner-occupied primary residence loans of $15,000- $1,000,000,up to 75% Loan to Value for a term of 30 years and payments auto charged from a Trustco Bank deposit account, Advertised rate is discounted 0.125% for automatic payments from your Trustco Bank deposit account. A higher rate will apply without autocharge- 360 monthly payments of $6.08 per $1,000 borrowed. An excellent credit profile  including a FICO score of 740. Your actual rate may be higher than those shown based on information relating to these factors as determined after you apply. Payments do not include amounts for taxes and insurance premiums. Actual payment will be greater.

Trustco Bank’s mission is proud to be the premier home town bank making financial dreams come true in the communities we serve. We achieve this through our commitment to excellence, treating all stakeholders fairly and with respect, while maintaining our tradition of being a pillar of strength.

NMLS #474376

Created by Chatter Buzz Media

@2025 All rights Reserved