Home financing in Saratoga County.
County-by-county financing guides. No paperwork. No social. No ID.
1 institutions are headquartered inside the Saratoga County line, and 1 more keep a branch here. Below, we say which is which.
Not this lane? Business FinancingPersonal Financing
The doors in Saratoga County.
The CDFIs, credit unions, and microlenders that actually say yes — county by county, in two languages. We are not a lender. Nobody paid to be listed. And where a county has no good doors, we say so.
- Hudson River Community Credit UnionCDFI-certifiedPersonal · Home · Business capital
Based elsewhere, with a member-facing office inside the Saratoga County line. You can walk in.
- Broadview Credit UnionPersonal · Home · Business capital
- Adirondack Economic Development CorporationSBA microlenderCommunity lending · Business capital
- Ascendus Inc.SBA microlenderCommunity lending · Business capital
- BOC Capital Corp.SBA microlenderCommunity lending · Business capital
- Business Consortium Fund, Inc.Community lending · Business capital
- Community Capital New York, IncSBA microlenderCommunity lending · Business capital
- IN THIS LIST
9 of the 13 are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
- Harlem Entrepreneurial Fund, LLCSBA microlenderCommunity lending · Business capital
- PathStone Enterprise Center, Inc.SBA microlenderCommunity lending · Business capital
- Renaissance Economic Development CorporationSBA microlenderCommunity lending · Business capital
- Mission Asset FundAccepts ITIN
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Personal - Accion Opportunity FundAccepts ITIN
Nonprofit small-business lender. Accepts ITIN in place of SSN. Serves most states, in English and Spanish.
Business capital - Grameen AmericaAccepts ITIN
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Business capital
3 of these doors accept an ITIN.
They will open an application with an ITIN instead of a social security number. They are marked ACCEPTS ITIN below.
Buying or investing in a home in Saratoga County, New York involves more options than most people realize — especially when you look beyond big national banks. This guide walks you through what home financing means locally, who qualifies, what paperwork you'll need, and which lenders, credit unions, and community organizations actually serve this county. Whether you have a W-2, 1099, or an ITIN, there are real pathways here for you.
Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.
Hudson River Community Credit UnionOwned by their members, not by shareholders. They look at your whole story rather than a score, and that is the difference when a bank says no.
Broadview Credit Union · Hudson River Community Credit UnionSame county, another question.
Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN SARATOGA COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN SARATOGA COUNTY →56NY COUNTIES WITH DOORSThe whole stateEvery county in New York, in this same lane.100 institutions fund home financing inside New York county lines.OPEN THE STATE →
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