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Discover the Mohawk Valley Home Show

March 16, 2017

Live Smarter with New Services and Seminars

First Source is proud to support the Home Builders & Remodelers Association of Mohawk Valley in their initiatives year-round. They educate, train, and network, and bring together builders, contractors, interior designers, realtors, home owners, and others to learn and discuss all things home building in the Mohawk Valley. We are a financial resource for consumer and business loans, and are pleased to work with the Home Builders Association.

One of the organization’s major annual events is the Mohawk Valley Home Show. We sponsor this wonderful event, a showcase for area trends, products, services, resources, and demonstrations.

As part of our sponsorship this year, we are bringing other local organizations to the home show on April 1st and 2nd! We have sponsored the Utica Zoo, Red Cross, Williams Variety Shop, and Willson’s Nursery. We’re excited to share their unique offerings to homeowners. 

We will be at the show as well, and offering a variety of home loan options to finance whatever need you may have. If you’re in the buying stage, we can review the different types of mortgages we offer. If you’re in the renovating stage, we can talk about our remodeling loan options. Whatever your need, ask us for help!

We’ll be hosting financial seminars at the Show; on Saturday at 11:30am and 2:30pm, and on Sunday at 11:00am. You’ll learn about home financing options, and which fits your needs best. And just for fun, we’ll once again have Bill Pope at our booth to draw caricatures. He’ll be there Sunday from 11:00am to 3:00pm.

Financial Seminar Topics

  • Conventional Mortgage
    This type of mortgage allows you to finance up to 95% of your purchase price (or appraised value). It sometimes has a shorter processing time, and same-day qualification if you are “credit qualified”. Flexible rates and terms are available. 
  • FHA (Federal Housing Administration) Mortgage
    An FHA Loan is perfect for first-time home buyers, shoppers who need a low down payment, or those with less than perfect credit. This type of loan allows the seller to contribute up to 6% toward closing costs and prepaid items. Flexible rates and terms are available. 
  • VA Mortgage
    This type of mortgage is available to Veterans and their surviving spouses, and is guaranteed by the Department of Veterans Affairs (VA). The mortgage company works directly with the VA, since each loan is unique to a veteran’s individual situation. A VA Loan allows for 100% financing of the purchase price or appraised value, for owner-occupied properties with one to two units. The applicant must be an eligible veteran. Similar to the FHA Loan, the seller can contribute up to 6% toward closing costs and prepaid items. Flexible rates and terms are available.
  • Home Possible Mortgage
    Through our partnership with Homeowners Advantage, we offer this unique program. Home Possible allows low and moderate income borrowers to finance a home with low down payments, and flexible sources of funds. Members must qualify by income and other factors. 

Housing Project/Home Improvement Options

Home Equity Loans or Lines of Credit

Are you a homeowner?
Chances are you’ve built up some equity, which you can use to borrow against. Home Equity options are best used for financing larger initiatives, like major home improvements, weddings, tuition, or even debt consolidation. A loan versus a line of credit depends on when you need to access the money, and the purpose of the funds.

A Home Equity loan offers a one-time distribution of funds. Repayment of principle and interest begins immediately, and continues over a period of time selected by you. We offer a variety of terms to fit different needs.

A Home Equity Line Of Credit is a revolving line of credit with a maximum loan amount determined by the equity of your home. These funds can be available over a period of time. You can use them as you need. Interest-only monthly payments are required during the draw period. Additional principle payments are also accepted any time you wish to pay the line down.

Home Improvement Loan
This is a great alternative to our Home Equity loan options, when there is little or no equity available in your home. This program can also be an ideal solution for home improvement projects. Rather than end up with a retailer’s high interest credit card or payment plans, we offer a low, fixed-rate Home Improvement loan option. These funds must be used for items or services that are home improvement in nature. 

Home Energy Loan
If your home improvement or renovation is energy-efficient in nature, check out our Home Energy Loan. Often there are grants and tax rebates associated with these types of projects from the retailer as well.

Come to the show, explore all the area has to offer, and stop by our booth to learn more. See you there!




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