Meet the MHV Mortgage Experts
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.
You can apply within 15 minutes with our quick and easy online application. You can even upload documents through our portal.
Have a Question?
An MHV Mortgage Expert can answer any questions you have and will guide you through the entire mortgage process.
CHOOSE THE RIGHT MORTGAGE
Fixed Rate Mortgage
A Fixed Rate (Conventional) Mortgage has monthly principal and interest payments that remain the same throughout the life of the loan (unless property taxes, insurance premiums or homeowners/condo association fees change). It is recommended for those that do not want their loan to fluctuate with market rates.
Adjustable Rate Mortgage (ARM)
An ARM has an interest rate that can change at designated intervals throughout the life of the loan. These rate changes are based on a financial index, and when these changes occur your monthly payment may increase or decrease. Most ARMs will have a lower interest rate than a Fixed Rate Mortgage. An ARM is recommended for those who want to take advantage of lower initial payments, those that expect to move before any rate increases, or for those who expect their income to rise.
State of New York Mortgage Agency
SONYMA provides low interest mortgages to low- and moderate-income home buyers throughout New York State. This Mortgage offers several benefits including low interest rates, low down payment requirements, flexible underwriting guidelines, and down payment assistance. This Mortgage is recommended for first time home buyers.
YOUR NEXT HOME ADVENTURE STARTS IN 5 SIMPLE STEPS
CALCULATE YOUR MORTGAGE PAYMENT STEP 3
PRE-QUALIFY FOR YOUR MORTGAGE
Getting a pre-qualification 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 THE MHV MORTGAGE TEAM
our Mortgage experts will help guide you through the entire Mortgage process and recommend a trusted Realtor.
Apply in Less Than 15 Minutes 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.
PO Box 1429
Kingston, NY 12402
845.336.4444 / 800.451.8373 Routing Number 221976243
Mid-Hudson Valley Federal Credit Union
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