Oak

Perfect for families and groups of friends, Oak Cottage offers plenty of space to relax, gather, and make lasting memories. With six bedrooms, generous common areas, and beautiful views of Lake George, this classic, year-round cottage is ideal for reconnecting and enjoying the outdoors together.

Summit

Summit is a year-round cottage featuring modern conveniences like a fully equipped kitchen, reliable Wi-Fi, the perfect mudroom, and a washer and dryer. This space offers everything you need to feel at home while you’re on vacation.

Charter Oak

Tucked along the shores of Lake George, this charming cottage offers the perfect escape for those seeking peace, nature, and simplicity. Wake up to sparkling water views and unwind in the evenings around a crackling fire pit under the stars. Whether you’re after adventure or serenity, this little slice of lakeside paradise delivers.

Cedar

Escape to the charm of Cedar Cottage, a welcoming 3-bedroom, 1-bathroom getaway perfect for families, couples, or small groups. Available year-round, this cozy cottage offers the ideal blend of comfort and charm.

Brightwood

Escape to Brightwood Cottage, a cozy 3-bedroom retreat nestled on the peaceful grounds of Silver Bay YMCA. This charming cottage offers a comfortable stay for anyone looking to get away.

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William Boyd

As one of the newest additions to Silver Bay’s campus, the William Boyd Center offers modern accommodations with the comfort and convenience of a hotel experience. Each room features a private bathroom, air conditioning, and easy access to elevators.

Bayview

Bayview Lodge offers comfortable, hotel accommodations with a warm atmosphere. Many rooms feature views of beautiful Lake George, and all include private bathrooms for a relaxing stay. Conveniently located near the Southern end of campus, Bayview is close to the waterfront, and a variety of Silver Bay’s programs and activities.

Inn

Our inn offers a variety of comfortable rooms to suit your needs, ranging from cozy spaces perfect for two guests to larger accommodations that can comfortably host up to six people. Each room is thoughtfully designed to provide a welcoming atmosphere, ensuring a restful stay whether you’re traveling as a couple, family, or group of friends.

Trinity

Trinity offers cozy, air-conditioned accommodations that combine the timeless character of Silver Bay with the convenience today’s guests appreciate. Centrally located, it’s just steps from dining and variety of programs and activities. Trinity is an ideal choice for a comfortable and authentic Silver Bay stay.

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Hilltop

Hilltop is a large, comfortable house at Silver Bay YMCA that can accommodate up to 17 guests making it perfect for extended families, reunions, or small group getaways. The convenient kitchenette is great for preparing snacks between activities, while Silver Bay’s full dining options are just a short walk away.

Brookside

Brookside is a large, inviting home at Silver Bay YMCA, designed for families and groups looking for space, comfort, and time together. With air-conditioned rooms, a generous common area, and a cozy atmosphere, it’s the perfect place to gather for shared meals, board games, and meaningful connection.

Hillcrest

Hillcrest is a spacious, year-round group house at Silver Bay YMCA, perfect for small groups, retreats, or family reunions. Perched on a hill overlooking campus, it offers a peaceful setting with beautiful views.

Paine Hall

Available only during the summer season, this historic 16-bedroom home is tucked away on the quiet north end of Silver Bay’s campus, offering a private and spacious setting ideal for large groups or family reunions.

Spruce Mountain Lodge

Located on the peaceful southern end of campus, Spruce Mountain Lodge is a spacious, summer-only home ideal for family gatherings, and reunions. With a large dining room for shared meals, a charming wrap-around porch, and an outdoor fire pit.

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Hemlock

Hemlock is the perfect summer accommodation for those looking to create lasting memories on Lake George or in the Adirondack Mountains.

The Inn

Located on the third floor of the historic Inn, these dorm-style accommodations are available from late spring through early fall. Perfect for guests seeking a simple and budget-friendly stay, each room offers basic furnishings and shared bathroom facilities, with toilets and showers located at the end of the hall.

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Arts & Humanities

The Arts & Humanities programs at Silver Bay YMCA celebrate creativity, learning, and personal expression in all its forms. From hands-on hobbies and fine arts to thought-provoking lectures, live performances, and concerts, there’s something to inspire every interest.

Dining

From our inviting dining room to the Mountain View Grille and custom catering services, Silver Bay offers delicious options for every occasion. Enjoy fresh, flavorful meals and warm hospitality that make every dining experience memorable.

Groups & Events

Silver Bay YMCA is the perfect setting for gatherings of all kinds. From conferences and retreats to family reunions, weddings, and team-building events, our scenic campus and dedicated staff provide everything you need for a meaningful and memorable experience.

Recreation

At Silver Bay, adventure and relaxation go hand in hand. Enjoy a wide range of recreational activities from hiking and swimming to sports, fitness, and outdoor exploration, all set against the stunning backdrop of Lake George.

Respite Opportunities

Silver Bay Respite Programs

Spiritual Life

Silver Bay YMCA offers a variety of Spiritual Life Programs designed to nurture the mind, body, and spirit. Through worship, meditation, reflection, and community gatherings, participants of all backgrounds are invited to explore their spiritual journey in a welcoming, supportive environment.

Youth

Silver Bay YMCA’s youth development programs are designed to nurture children and teens from “cradle‑to‑career,” offering a range of activities including day‑camp sessions, after‑school programs, and teen‑center gatherings.

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Explore all that Silver Bay has to offer. From outdoor adventures and creative programs to delicious dining and family events, Silver Bay is a place to relax, have fun, and make lasting memories together.

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Nobody can be right 100% of the time, but if you’re a savvy, experienced homeowner who also follows financial markets closely, the odds are definitely more in your favor. Here are some reasons why it might make sense to let your rate float:

  • You’re confident in your knowledge of the general financial landscape, and you’re confident that the market will react to events in a way that is tethered to reality (that second part is never a guarantee).
  • Your finances are secure enough that an unexpected rate jump before you lock would be more annoying than outright catastrophic.
  • You’re risk tolerant enough that you won’t be stressed out by rate fluctuations during the homebuying process.
  • You’re considering an ARM loan. Many borrowers will be refinancing at the end of the intro period of their ARM loan anyways, so there is less risk of becoming locked into a higher rate for 15 or 30 years if you catch an unlucky rate bounce.


Reasons to lock in your rate

Remember, it’s impossible to correctly predict the movement of mortgage rates 100% of the time. Like a small child that has stayed up an hour past their bedtime, their movement is unpredictable and sometimes violent. For many homebuyers, the certainty that a rate lock provides has value in itself. With that in mind, requesting a mortgage rate lock may make sense if:

  • You’ve shopped around and confirmed your lender offers the best rate (psst – we probably do)
  • You’re confident you’ll close the loan within the rate lock period.
  • You don’t want to deal with the stress of worrying about rates climbing before you close.
  • You don’t want to have to buy discount points to reduce your rate at closing.

Reasons to float your rate

Nobody can be right 100% of the time, but if you’re a savvy, experienced homeowner who also follows financial markets closely, the odds are definitely more in your favor. Here are some reasons why it might make sense to let your rate float:

  • You’re confident in your knowledge of the general financial landscape, and you’re confident that the market will react to events in a way that is tethered to reality (that second part is never a guarantee).
  • Your finances are secure enough that an unexpected rate jump before you lock would be more annoying than outright catastrophic.
  • You’re risk tolerant enough that you won’t be stressed out by rate fluctuations during the homebuying process. 
  • You’re considering an ARM loan. Many borrowers will be refinancing at the end of the intro period of their ARM loan anyways, so there is less risk of becoming locked into a higher rate for 15 or 30 years if you catch an unlucky rate bounce. 

Just remember, whether you choose to float or lock, your loan officer will help you make an informed decision and will support you with what decision you make. After all, buying a house is a big deal, and you want to enjoy the process, not stress about interest rates! Get in touch with one of our friendly and knowledgeable loan experts if you have any questions, or want to know more about the pros and cons of floating your interest rate.

This is the heading h1

this is the heading h2

this is the heading h3

this is the heading h4

this is the heading h5
this is the heading h6

this is a paragraph lorem ipsum

Nobody can be right 100% of the time, but if you’re a savvy, experienced homeowner who also follows financial markets closely, the odds are definitely more in your favor. Here are some reasons why it might make sense to let your rate float:

  • You’re confident in your knowledge of the general financial landscape, and you’re confident that the market will react to events in a way that is tethered to reality (that second part is never a guarantee).
  • Your finances are secure enough that an unexpected rate jump before you lock would be more annoying than outright catastrophic.
  • You’re risk tolerant enough that you won’t be stressed out by rate fluctuations during the homebuying process.
  • You’re considering an ARM loan. Many borrowers will be refinancing at the end of the intro period of their ARM loan anyways, so there is less risk of becoming locked into a higher rate for 15 or 30 years if you catch an unlucky rate bounce.

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Reasons to lock in your rate

Remember, it’s impossible to correctly predict the movement of mortgage rates 100% of the time. Like a small child that has stayed up an hour past their bedtime, their movement is unpredictable and sometimes violent. For many homebuyers, the certainty that a rate lock provides has value in itself. With that in mind, requesting a mortgage rate lock may make sense if:

  • You’ve shopped around and confirmed your lender offers the best rate (psst – we probably do)
  • You’re confident you’ll close the loan within the rate lock period.
  • You don’t want to deal with the stress of worrying about rates climbing before you close.
  • You don’t want to have to buy discount points to reduce your rate at closing.

Reasons to float your rate

Nobody can be right 100% of the time, but if you’re a savvy, experienced homeowner who also follows financial markets closely, the odds are definitely more in your favor. Here are some reasons why it might make sense to let your rate float:

  • You’re confident in your knowledge of the general financial landscape, and you’re confident that the market will react to events in a way that is tethered to reality (that second part is never a guarantee).
  • Your finances are secure enough that an unexpected rate jump before you lock would be more annoying than outright catastrophic.
  • You’re risk tolerant enough that you won’t be stressed out by rate fluctuations during the homebuying process. 
  • You’re considering an ARM loan. Many borrowers will be refinancing at the end of the intro period of their ARM loan anyways, so there is less risk of becoming locked into a higher rate for 15 or 30 years if you catch an unlucky rate bounce. 

Just remember, whether you choose to float or lock, your loan officer will help you make an informed decision and will support you with what decision you make. After all, buying a house is a big deal, and you want to enjoy the process, not stress about interest rates! Get in touch with one of our friendly and knowledgeable loan experts if you have any questions, or want to know more about the pros and cons of floating your interest rate.

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