Family sitting in kitchen

Mortgage Loans

Your next home adventure starts here...
  • Get pre-qualified icon

    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.
    Get Pre-Qualified
  • Apply icon

    Apply Online

    You can apply within 15 minutes with our quick and easy online application. You can even upload documents through our portal.
    Apply Now
  • Have a question icon

    Get Expert Answers

    An MHV Mortgage Expert can answer any questions you have and will guide you through the entire mortgage process.
    Ask a Question

Get Started Today

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

Cape style house


30 Year Fixed Rate

6.625% Interest Rate

7.073% APR*

20 Year Fixed Rate

6.625% Interest Rate

6.866% APR*

15 Year Fixed Rate

6.5% Interest Rate

6.658% APR*

Rates current as of 6/15/2024 

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. 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)

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.

Renovation Financing: Buy The Fixer-Upper

Sometimes the house you want – or the only one your budget allows – needs a little love. With Renovation Financing, you may be able to roll a renovation loan into your mortgage. This unique solution means you get to buy the home and pay for the work it needs…while still only paying one mortgage payment a month.

Talk to a Mortgage Expert today to find out if your purchase could qualify for renovation financing.

Young couple working with contractor on home

5 Steps to Get Started

  1. 1

    Get Prepared

    There are a few ways you can get prepared. We’ll guide you through some considerations before you apply.
  2. 2


    Use our calculator to determine your monthly payment.
  3. 3


    Getting pre-qualified will tell you how much you can borrow so you can shop for your new house with confidence.
  4. 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. 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.


Couple reviewing finances

Save for a Down Payment

A down payment is the difference between the purchase price of the property and the mortgage loan amount. It is deducted from the total amount of your Mortgage and represents the equity or your ownership in the house. Down payment requirements vary depending on the type of Mortgage. For many shoppers, saving up a 20% down payment is not easy, but it can have many financial benefits and save you thousands of dollars in the long run. MHV offers financing options up to 97%.

Get Prepared: Set up an automated savings plan to make it easier to build toward your down payment goal. Automate savings by taking a portion of your paycheck and having it directly deposited into your savings account.

Man reviewing finances

Credit Score

Your credit score is a mathematical assessment of the likelihood you will repay what you borrow. It is based on the information in your credit report, which tracks how well you pay and manage bills. Creditors typically check your score when deciding whether or not to approve your loan application. Scores range from 300 to 850, with a higher score being indicative of less risk.

Get Prepared: We recommend you check your credit report before applying for your Mortgage by visiting

Bonus: Your membership includes complimentary access to Financial Counselors that can review your credit report as well as answer questions about credit scoring, building a strong credit history and correcting any inaccuracies that appear. To speak with a counselor, call toll-free 888.456.2227.  


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. 

Download Guide
Homeownership eBook



Want to really step up your home-buying game? Good, because all it takes is entering your email below. You’ll get a series of 8 emails going into more detail about:

 Debt-to-income – and how this ratio can mean you don’t get a mortgage 

 Maintenance – and how much more it could add to owning a home 

 Realtors – and the tips they share with clients

Calculate Your Mortgage Payment

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

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.

Get Pre-Qualified

Have a Question? We'll Contact You



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

 Last 2 months bank statements for all savings and checking accounts

If self-employed: Last 2 years signed tax returns with all schedules

How Long Does it Take?

Grab this download for the steps of a mortgage application, estimated timeframes, and a list of required documents.

 Get My Download

Meet Our Mortgage Experts

Our Mortgage Experts will help guide you through the entire mortgage process and recommend a trusted realtor.

Bill Walsh

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

Guy Greco

Mortgage Originator

Email: [email protected]

Branches Covered:
Kingston, Saugerties, Woodstock & Hurley Ave.
NMLS #: 2213002

Visit Guy's Website

Danielle Crossen

Danielle Crossen

Mortgage Originator

Email: [email protected]

Branches Covered:
Highland & Port Ewen
NMLS #: 1678247

Visit Danielle's Website

Tom Mchugh

Tom McHugh

Mortgage Originator

Phone: 845.363.8993
Email: [email protected]

Branches Covered:
LaGrange, Fishkill,
Putnam & Westchester Counties
NMLS #: 697524

Visit Tom's Website
Denise Quinn

Denise Quinn

Mortgage Originator

Email: [email protected]

Branches Covered:
Middletown, Rockland & Sullivan Counties
NMLS #: 454310

Visit Denise's Website

Jose Ortiz

Jose Ortiz

Mortgage Originator

Email: [email protected]

Branches Covered:
Peekskill & Westchester County
NMLS #: 724128

Hablo español

Visit Jose's Website

Rick Farrow

Rick Farrow

Mortgage Originator

Email: [email protected]

Branches Covered:
Newburgh & Rockland County
NMLS #: 800674

Visit Rick's Website

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:

  • Question mark

    Ask Questions

    Ask questions until you feel comfortable with everything.
  • Calendar icon

    Finalize Details

    Determine who will conduct your closing, the location, time and date.
  • Person icon

    Set Expectations

    Find out from the person who will conduct your closing what to expect at closing.
  • Document icon

    Secure Documents

    Ensure you’ve received your Closing Disclosure three business days before closing.
  • Money icon

    Arrange Payment

    Arrange your payment for the amount due at closing via wire transfer or bank check.
  • Money bag in hand icon

    Confirm Payment

    Confirm how your property taxes and homeowner’s insurance will be paid each year.

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

Good Quality of Service

  • 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

Commonly Asked Questions About Mortgages

  •  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.

  • Please visit our Rates page for today's mortgage rates. 
    • 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.

  • To apply for a home equity or mortgage refinance, please visit our Mortgage Center here

    If you have any questions about the loan application process, please contact us at 845.336.4444.

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.