Get Started Today
Fill out the form to start the mortgage process. A home loan expert will be in contact with you shortly.

TODAY’S MORTGAGE RATES
30 Year Fixed Rate
7.25% Interest Rate
7.723% APR*
5 Year Adjustable Rate
6.75% Interest Rate
8.202% APR*
SONYMA
6.875% Interest Rate
7.309% APR*
Rates current as of 9/30/2023
HOMEOWNERSHIP STARTS IN 5 SIMPLE STEPS
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1
Get Prepared
There are a few ways you can get prepared. We’ll guide you through some considerations before you apply. -
2
Calculate
Use our calculator to determine your monthly payment. -
3
Pre-Qualify
Getting pre-qualified will tell you how much you can borrow so you can shop for your new house with confidence. -
4
Find a Home
An MHV Mortgage Expert can recommend a trusted Real Estate Agent to help you find and negotiate the price for your new dream home. -
5
Final Walkthrough & Closing
The closing is the last step in buying and financing a home. At your closing appointment, the Mortgage is finalized and the title of the house is transferred to you. You officially become a home owner!
Calculate Your Mortgage Payment
The PMI rate will vary based on credit score, down payment and other criteria.
Get Pre-Qualified
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.
Meet Our Mortgage Experts
Our Mortgage Experts will help guide you through the entire mortgage process and recommend a trusted realtor.

Bill Walsh
Mortgage Originator
Phone: 914.474.5194
Email: [email protected]
Branches Covered:
Red Hook, Rhinebeck, Poughkeepsie & Putnam County
NMLS #: 454307
Visit Bill's Website

Guy Greco
Mortgage Originator
Phone:845.802.4072
Email: [email protected]
Branches Covered:
Kingston, Saugerties, Woodstock, Highland, Hurley Ave., & Port Ewen
NMLS #: 2213002
Visit Guy's Website

Jose Ortiz
Business/Mortgage Development Officer
Phone:845.363.8993
Email: [email protected]
Branches Covered:
Peekskill & Westchester County
NMLS #724128
Visit Jose's Website

Tom McHugh
Mortgage Originator
Email: [email protected]
Branches Covered:
LaGrange, Fishkill,
Putnam & Westchester Counties
NMLS#: 697524
Visit Tom's Website

Denise Quinn
Mortgage Originator
Phone:845.522.3844
Email: [email protected]
Branches Covered:
Middletown, Newburgh, Rockland & Sullivan Counties
NMLS #: 454310
Visit Denise's Website
WHAT IS NEEDED FOR A MORTGAGE APPLICATION?
You may submit these documents through our Application portal
Last 2 years W2's and 2 current paystubs evidencing at least 30 days of year-to-date income
If self-employed: Last 2 years signed tax returns with all schedules
Last 2 months bank statements for all savings and checking accounts
How Long Does it Take?
Grab this download for the steps of a mortgage application, estimated timeframes, and a list of required documents.
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
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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.
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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
Commonly Asked Questions About Mortgages
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SONYMA mortgage is a mortgage through The State of New York Mortgage Agency (SONYMA). SONYMA specializes in mortgage programs to assist first-time homebuyers and those meeting certain income qualifications who are purchasing a home in New York State.
Click here for the home buyer programs we participate in.
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Please visit our Rates page for today's mortgage rates.
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An FHA Loan is a loan that is insured by the Federal Housing Administration (FHA) used to purchase or refinance 1- to 4-unit properties. For more information on the mortgage products offered at MHV, please click here.
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- First, you will know exactly how much house you can afford. This will help you focus your search and use your time more efficiently.
- Getting pre-qualified gives you buying power because the seller knows you have financing lined up, making you more attractive to them.
Learn more about mortgages and get pre-qualified here.
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.