Today’s Mortgage Rates

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30 Year Fixed Rate


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10 Year Adjustable Rate


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Rates Current as of 11/13/2018

Choose the Right Mortgage

The Path to Homeownership Starts in 5 Simple Steps


Prepare for Your Journey

Your Journey to Home Ownership

Finding, Buying & Financing Your New Home

Download our free guide,Your Journey to Homeownership”, to provide you with the knowledge you need to start on the path to homeownership. Whether you’re buying your first or second home, we’ll guide you through the process so you can feel confident and empowered to get started.

Get up to $7,500 Towards Your new Home

MHV participates with The Federal Home Loan Bank (FHLB) of New York to help secure funds to qualified first time homebuyers towards the down payment on your new home. For every $1 dollar you save in a special First Home Club savings account, $4 dollars will be granted to you – up to the maximum of $7,500 towards the down payment and closing costs of your new home purchase. Learn more. 

Have Questions?


Calculate Your Mortgage Payment

The PMI rate will vary based on credit score, down payment and other criteria.

Step 3

Get Pre-Qualified for Your Mortgage

Getting pre-qualified proves that you’ve already lined up financing and have the ability to go through with the sale, which makes you a more attractive buyer to sellers.

Step 4

Meet the MHV Mortgage Team

With over 100 years of combined experience, our Mortgage experts will help guide you through the entire Mortgage process and recommend a trusted Realtor.
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Don Spiro


Visit my Website

Branches Covered:
Kingston, Saugerties & Woodstock
NMLS #515614

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Bill Walsh


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Branches Covered:
Red Hook, Rhinebeck,
LaGrange & Poughkeepsie
NMLS #454307

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Denise Quinn


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Branches Covered:
Middletown & Fishkill
NMLS #454310

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Tim Zwart


Visit my Website

Branches Covered:
Newburgh & Port Ewen
NMLS #454311

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Visit my Website

Branches Covered:
Highland & Hurley Ave.
NMLS #184229

Step 5

Final Walkthrough & Closing

Before closing, it is recommended that you do a final walkthrough of the home to ensure its condition has not changed and that any features that were supposed to be included in the sale are still in place. On the closing day, the Mortgage is finalized and the title of the house is transferred to you.

Here are some tips:

Take all the time you need. You have a right to read and understand your closing documents, no matter how long it takes.

See What The Mid-Hudson Valley Has To Say About Us

They are very helpful and they offer very professional service. Every time I have a question about anything, it gets handled quickly and efficiently.

Sheila F.

MHV has easy access to local branches, extended hours teller machines, competitive rates on loans and mortgages, and easy loan application process. Good quality of service!

Matthew B.

Apply in Less Than 15 Minutes

Or Call us at 845.336.4444

Frequently Asked Questions


Rates, terms and conditions subject to change without notice. All loans subject to credit approval.

*APR=Annual Percentage Rate. All loans subject to approval. Rates, terms, and conditions are subject to change.