You May Qualify for a Home Affordable Refinance
Based on your answers to all of the refinance eligibility questions thru the Making Home Affordable website, you may qualify for a Home Affordable Refinance. The next step is to gather the information you will need when you speak to one of our mortgage originators. This includes:


  • Information about your mortgage, such as your monthly mortgage statement and
  • Information about the monthly gross (before tax) income of your household, including recent pay stubs
    if you receive them or documentation of income you receive from other sources.
  • Your most recent income tax return.
  • Information about any second mortgage or home equity line of credit on the house.
  • Account balances and minimum monthly payments due on all of your credit cards.
  • Account balances and monthly payments on all your other debts such as student loans and car loans.

After you have gathered all the appropriate information, please contact the mortgage originator (shown below) at the branch most convenient to you at 800.451.8373 with extension, or e-mail them at the address provided.

As a promise to your privacy, please do not send any personal information by email.

Don Spiro

BRANCHES: Credit Union Center, Hurley Ave,Saugerties, Woodstock

Don recently joined MHV in 2014 and has over 17 years of experience working with home buyers in the Hudson Valley.  Don takes a common sense and realistic approach when helping someone finance the purchase of a home.  He strongly believes that It is an exciting time and that it should be a smooth, seamless process. 


Don specializes in working with first time homebuyers helping them through each step of the home buying process.He also specializes in refinances, construction loans and home equity loans and lines of credit.

Professional Affiliations

Ulster Board of Realtors

Personal Affiliations

Access Fund, Gunks Climbers Coalition

Phone: 800.451.8373, ext. 3111


Fax: 845.336.6146

E-mail: Don Spiro

NMLS #: 515614

Bill Walsh

BRANCHES: Red Hook, Rhinebeck & Poughkeepsie

Bill has over 20 years of experience in the Real Estate industry, all of it in the Hudson Valley. He has a vast knowledge because of his varied positions working as a real estate agent, sales manager for a builder and over a decade as a Mortgage Originator. In all his positions, Bill helped his customers achieve the American dream of owning their home.


Bill specializes in working with first time home buyers, construction loans and thinking "outside the box"

Professional Affiliations

Builder's Association of the Hudson Valley, Dutchess County Board of Realtors, Poughkeepsie Area & Southern Dutchess Chamber of Commerce, Rotary Club

Personal Affiliations

Soccer coach for Youth League, Golf league, Adopt a Highway program

Phone: 800.451.8373, ext. 3102

Mobile: 914.474.5194

Fax: 845.336.6146

E-mail: Bill Walsh

Visit my website:
NMLS # - 454307



Denise Quinn

BRANCH: Middletown & Highland

Denise joined MHV in 2009 and has over 17 years of experience in the mortgage industry.


Denise specializes in helping people buy or refinance their home and also home equity loans.

Professional Affiliations

Town Board Member of the Town of Wawayanda


Phone: 800.451.8373, ext. 5002

Mobile: 845.522.3844

Fax: 845.343.0943

E-mail: Denise Quinn

Visit my website:

NMLS # - 454310


Tim Zwart

BRANCH: Newburgh & Port Ewen


Tim has over 26 years of mortgage experience including over 19 years as loan officer/mortgage originator and 7 years in management. Having worked for more than 6 years with an Orange County community bank Tim developed a strong understanding of the local area


Tim specializes in working with all home buyers. He has extensive knowledge of SONYMA, and other government loan programs.

Professional Affiliations

Orange County Chamber of Commerce and Orange County Board of Realtors

Personal Affiliations

Treasurer and Elder for Bethlehem Presbyterian Church, Avid Tennis player, and long time member of the USTA

Phone: 800.451.8373, ext. 2614

Mobile: 845.594.9056

Fax: 845.336.6146

E-mail: Tim Zwart

Visit my website:

NMLS # - 454311



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