Evans Bank in the Community 2022

Evans understands
taking pride in your home

It’s why we take pride in making it possible for everyone.

Whether you’re a first-time home buyer or you’re looking to purchase a new home, Evans Bank can help with great lending options that make it easy and affordable.

It’s homeownership – a better way – for you and the community.

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Nothing provides peace of mind like the stability of a fixed-rate mortgage.The monthly payment of principal and interest will remain the same for the entire term of your loan. Fixed-rate mortgages are an attractive solution for those who expect to be in their home for a long period of time, or for those who want the security of a fixed monthly payment. Terms of 15, 20, and 30 years are available.

Evans Affordable

Evans Bank takes pride in making home ownership available to everyone. This program offers a low down payment and expanded qualifying ratios. Attractive interest rates can make home ownership a reality. This program features flexible underwriting criteria to individuals meeting income limitations (80% of HUD Area Median Income) for as little as 3% down payment and closing cost assistance provided by Evans Bank. Consult with a Mortgage Loan Officer to determine eligibility.

Veterans Administration (VA)

VA loans are available to active duty and retired servicemen and women. U. S. Dept. of Veterans Affairs (VA) loans are federally insured which gives borrowers access to favorable terms such as low or no down payment financing available for eligible veterans, and sellers can pay up to 100% of eligible closing costs. VA loans can only be used for a primary residence. Evans Bank thanks veterans for their service.

Federal Housing Administration (FHA)

Federal Housing Administration (FHA) loans are federally insured. FHA low down payment requirements allow greater flexibility for buyers who may not meet conventional loan guidelines; minimum down payment of 3.5%, up to 6% seller’s concessions to help pay closing costs, allows gift funds to cover down payment and closing costs. FHA loans are for purchase or refinance of primary residence only.

New Construction

The dream of building a home can become a reality with this convenient program.Designed to take you through and beyond the construction period, the short-term construction loan is designed to cover costs during construction. Funds are drawn as phases of the building are completed. Interest-only payments are made for a 12 month period only on the amount drawn. Once the draw period ends, the loan will convert to a permanent amortizing mortgage.


Effective January 1st, 2022, a Jumbo mortgage is available for loan amounts exceeding $647,200. Interest Rates and underwriting requirements may be different than conventional based on the higher loan amount.

Evans Bank currently provides financing for properties located in the Western and Finger Lakes area of New York State.

Get Started

To learn more, contact any member of the Evans mortgage team, visit our online mortgage resource center, call 716.926.3313, or visit any of our conveniently-located neighborhood financial centers.


Links to external websites are provided by Evans Bank for your convenience. Use of such links on Evans Bank website are not an endorsement or warranty by Evans Bank of the information, products or services provided by such external websites. Evans Bank does not control such websites. You should review the linked site's privacy and security policies as they may be different from Evans Bank's.

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