Home Loan Solutions

In Your Neighborhood

Today's Mortgage Rates

30 Year Fixed Rate

6.5% Interest Rate

6.734% APR*

20 Year Fixed Rate

6.5% Interest Rate

6.586% APR*

15 Year Fixed Rate

6% Interest Rate

6.03% APR*

View More Rates

Rates current as of 3/27/2025

Why MHV?

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    Local Expertise

    We’re more than just mortgage experts – we’re also your neighbors, and we know what matters to you.
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    Personalized Guidance

    Whether this is your first home or you’re a seasoned homeowner, we’ll make the experience as stress-free as possible.
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    A Smooth Process

    From pre-approval to closing, we’ll work with you every step of the way to ensure a fast and seamless experience.

Guiding You Home

With great rates and local expertise, we're dedicated to making your dream home a reality - because we live here, too.

Bill Walsh

Bill Walsh

Mortgage Originator

Phone: 914.474.5194
Email: [email protected]

Branches Covered:
Poughkeepsie & Putnam County
NMLS #: 454307

Visit Bill's Website 

Guy Greco

Guy Greco

Mortgage Originator

Phone:845.802.4072
Email: [email protected]

Branches Covered:
Kingston, Saugerties & Woodstock
NMLS #: 2213002

Visit Guy's Website

Danielle Crossen

Danielle Crossen

Mortgage Originator

Phone:845.418.9263
Email: [email protected]

Branches Covered:
Highland, Port Ewen & Hurley Ave.
NMLS #: 1678247

Visit Danielle's Website

Denise Quinn

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

Jose Ortiz

Mortgage Originator

Phone:845.663.6243
Email: [email protected]

Branches Covered:
Peekskill & Westchester County
NMLS #: 724128

Hablo español

Visit Jose'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
Rick Farrow

Rick Farrow

Mortgage Originator

Phone:845.527.2090
Email: [email protected]

Branches Covered:
Newburgh, Rockland & Sullivan Counties
NMLS #: 800674

Visit Rick's Website

Michael Riger

Michael Riger

Mortgage Originator

Phone: 914.649.3085
Email: [email protected]

Branches Covered:
Westchester, Putnam & Rockland Counties
NMLS #: 2662550

Visit Michael's Website
Connect with an Expert

Home Loan Options to Meet Your Needs

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

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.

Couple working with a contractor to fix up their home

Get Started Today

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

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Home Loan Resources

An awesome experience

  • Denise Quinn in the mortgage department went above and beyond to assist and getting my mortgage.
    A. Williams
  • 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
  • Bill Walsh really cares! Always answers phone, questions and email.
    M. Almanzar

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.

MHVFCU NMLS # : 411955

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.