Get Moving with David Fay
Mortgage Originator
David Fay
Mortgage Originator
NMLS #480677
Saratoga Springs & Glens Falls
295 Broadway
Saratoga Springs NY, 12866
Use the link below to get started on your Home Financing application or check the status of a submitted application.
GET STARTED TODAYBusiness Hours
Monday through Friday – 8:00 a.m. to 5:00 p.m.
Bio
I have lived in Saratoga Springs since 1997 and have been a Mortgage Loan officer since 2001. I enjoy helping borrowers with all their financing needs. Whether you are buying your first home, building your dream home or improving or refinancing your current home, I am always available to answer your questions. Please call me today to discuss all the options NBT can provide.
Ready to Apply?
Please Have These Items Ready
- Current and Previous Addresses (2 years)
- Property Information including purchase agreement (if applicable), tax bills and homeowners insurance (if applicable)
- Current and Previous Employment Information and dates (2 years)
- Sources and income amounts for all borrowers
a. If a W2 employee, previous 2 years W2's and most recent paystub with year-to-date income
b. If rental or business income, 2 years personal and business (if applicable) signed tax returns, including all schedules
c. If retirement income, award letter, 1099 or equivalent documentation - Bank Account Statements (2 months)
- Current monthly housing expenses such as rent and mortgage payments
- Property address and Estimated Market Value for properties you own, including taxes & insurance
- If working with a real estate agent, their name, company and phone number
Required documents to apply for mortgage financing are listed in the Mortgage Financing Checklist.
