Refinance Your Mortgage… On Your Terms with No Closing Costs!

Refinance Your Mortgage... On Your Terms with No Closing Costs!*

APR** 2.74%

5 Term

YRS

2.79% 2.84% 2.89% 2.94%

6 YRS

7 YRS

8 YRS

9 YRS

2.99%

10 YRS

3.05% 3.10%

11 YRS

12 YRS

Refinance with our Easy Street Flex-Mortgage so you can do the things you want to do.

You choose from a 5 to 12 year term designed to help you pay off your mortgage early. By refinancing at a lower rate and a shorter term, you can reduce your principlel more quickly and potentially save thousands of dollars.

To apply, just call 518-393-1326 and press `2' or visit any branch.

Our Flex-Term Mortgage has these unbeatable features:

Choice of 5-12 year term Competitive fixed rates No prepayment penalties

No Title Insurance No Attorney Fee No Appraisal Fee

No Recording Fee No Points

By the time she graduates... your loan can be paid off.

* No closing costs except New York State Mortgage Tax. ** Fixed Annual Percentage Rate (APR). Primary residence only. First lien only. Loan-to-Value (LTV) must be 50% or less to receive listed APR. This offer is good for refinance only. Existing First New York real estate loans are eligible with $50,000 of new money. Must be credit qualified. Available for a limited time. Rate offered is subject to change without notice. Other terms and conditions may apply. Other rates and terms available up to 75% LTV. $50,000 minimum loan amount/$417,000 maximum loan amount.

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