Mortgages

For over 115 years Lake Shore Savings has been a leader in residential mortgage lending. That's because we offer very attractive rates on all of our mortgage loan options, including No Closing Cost Mortgage Loans.

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Whether you are buying a new home or refinancing the one you have, Lake Shore Savings offers a number of mortgage choices at the best rates around! We never charge an application fee and most loan decisions are made within 24 hours.

No Closing Cost Mortgage    (See one of our loan specialists for details)

Fixed Rate Mortgage    RATES

5/1 Adjustable Rate Mortgage    RATES

One Year Adjustable Rate Mortgage    RATES

State of New York Mortgage Loans (SONYMA)    RATES

Invest Property    RATES

If you are not sure which mortgage is right for you, or if you have questions regarding any of our mortgage options, please call or stop in to your local Lake Shore Savings branch. Our loan specialists will be happy to help you determine the mortgage that best fits your needs.

How to Apply