As if buying a house wasn’t huge enough, there is SO MUCH information to weed through. What kind of mortgage is best? What credit score do I need? Does pre-approval matter?
Partner with a lender that doesn’t just give you a mortgage. They give you the knowledge you’ll need to master the mortgage process.
A lender like MHV.
I Don’t Even Know What Kind of Mortgage I Need
The good news?
You don’t need to. You’ll work with a Mortgage Expert who’ll get you to the mortgage that’s right for you. You’ll have access to:
$0 Down Mortgages
Conventional Mortgages
Adjustable Rate Mortgages
But is MHV The Best Option for My First Mortgage?
So what makes MHV different? Aside from working with a mortgage expert who lives right here in the Hudson Valley, partnering with MHV unlocks:
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Home Buyers Dream Program
Get up to $19,500 towards your down payment or closing costs of your first home. -
Down Payment Assistance Loan (DPAL)
A grant for up to 3% of the purchase price to use towards your down payment. Provided by the State of New York Mortgage Agency (SONYMA). -
Fannie Mae Home Ready
A mortgage program that requires only 3% down and allows co-signers that don’t live in the home. -
Fannie Mae 3% Down
Similar to the Home Ready Program, but with no income restrictions.
How Will I Know What to Expect?
The mortgage process can feel…mysterious. And complicated. And long. Unlike a car loan or personal loan, mortgage applications are complex and can take 30-45 days to finalize. Here’s what you can expect from us:
You'll work with a Mortgage Expert licensed by the NMLS. Your Expert works with you to:
- Identify which mortgage option will work for you
- Determine any applicable homebuying programs you may qualify for
- Get your pre-qualification locked in
You've found a house! Now it's time to submit your application. Your paperwork is reviewed by our Processing team to ensure all applicable documentation is included. You'll be kept up-to-date on the status of your application and if any additional information is needed.
Once the application is complete, it heads to an underwriter. The underwriter will review your application and make a decision on approval.
Congratulations: your closing date is scheduled. Once you close, you're a homeowner!
Imagine Feeling Completely Confident Instead
Your mortgage expert is part of a team with almost 100 years combined experience. So you know you’ll get the kind of guidance that makes you feel confident in your homebuying decisions.
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Credit
Credit is one of the biggest questions homebuyers have. Is your score good enough? Your Mortgage Expert helps you understand what your score qualifies you for. -
Pre-Approval
Today’s sellers want to know you’ve got a pre-approval. Learn what pre-approval means for you…then your Mortgage Expert will get you locked in so you know exactly how much house you can shop for. -
Application
Navigate the application process with ease. Mortgage applications are more involved than personal or car loan applications. But you’ll navigate it like a pro because your Mortgage Expert has set clear expectations. -
Stay Informed
Rely on regular updates to stay informed. No matter how smooth the process, nerves will set in. Timely information helps keep uncertainty at bay.
Meet Your Local Expert
Work with local experts to guide you seamlessly through the mortgage process. Your Mortgage Expert is part of a team with 100 years of mortgage experience.
Bill Walsh
Mortgage Originator
Phone: 914.474.5194
Email: [email protected]
Branches Covered:
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
NMLS #: 2213002
Visit Guy's Website
Danielle Crossen
Mortgage Originator
Phone:845.418.9263
Email: [email protected]
Branches Covered:
Highland, Port Ewen & Hurley Ave.
NMLS #: 1678247
Visit Danielle'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, Rockland & Sullivan Counties
NMLS #: 454310
Visit Denise's Website
Jose Ortiz
Mortgage Originator
Phone:845.663.6243
Email: [email protected]
Branches Covered:
Peekskill & Westchester County
NMLS #: 724128
Hablo español
Visit Jose's Website
Rick Farrow
Mortgage Originator
Phone:845.527.2090
Email: [email protected]
Branches Covered:
Newburgh, Rockland & Sullivan Counties
NMLS #: 800674
Visit Rick's Website
An awesome experience
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Denise Quinn in the mortgage department went above and beyond to assist and getting my mortgage.A. Williams
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Whether a simple small transaction to even getting a mortgage [it’s] an awesome experience. The entire team there is so polite, friendly, professional and courteous.J. Burns
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Bill Walsh really cares! Always answers phone, questions and email.M. Almanzar
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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- 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.
MHVFCU NMLS # : 411955