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Local Home Loan Experts

Competitive Rates

Today's Mortgage Rates

30 Year Fixed Rate

6.5% Interest Rate

6.942% APR*

20 Year Fixed Rate

6.5% Interest Rate

6.742% APR*

15 Year Fixed Rate

6.5% Interest Rate

6.658% APR*

Rates current as of 7/13/2024

Local Home Loan Experts You Can Trust

When it comes to buying a new home, you need a partner you can trust to guide you through the process and help you choose the home mortgage loan that’s right for you. Our team of local experts have over 100 years combined assisting your neighbors on their journey to homeownership.

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

The Guidance You deserve

  • Credit score icon


    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-approved icon


    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 icon


    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.
  • Information icon

    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.

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.

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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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