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Empire State Bank

877-413-6557
Website
Loan amounts up to $750,000 on the 15 Year Fixed Jumbo and all ARM pruducts.
Terms Rates PTS DN Fees APR
30 Year Fixed 3.750% 0 20% $325.00 3.811%
15 Year Fixed 3.000% 0 20% $325.00 3.097%
15 Year Fixed Jumbo 6.00% 0 20% $325.00 6.064%
3/1 ARM Jumbo 4.75% 0 20% $325.00 4.830%
5/1 ARM Jumbo 5.000% 0 20% $325.00 5.080%

Hometown Bank Of The Hudson Valley

800-249-3832
Website
FORMERLY WALDEN FEDERAL S&L Rated Excellent in Customer Satisfaction! APPLY ONLINE TODAY @ hometownbankhv.com
Terms Rates PTS DN Fees APR
30 Yr Fixed 3.875% 0 5.0% 145.00 4.257%
15 Yr Fixed 3.125% 0 5.0% 145.0 3.802%
Fixed Construction 4.5% 1 10% 145 7.367%
10 Year fixed jumbo 3.5% 0 5% 145.00 4.118%
5/1 Arm/Conf/Jumbo 3.750% 0 5% $145.00 3.807%
SONYMA 4.125% 0 3% 145.00 4.618%

Hudson Heritage FCU

845-561-5607ext:171
Website
Call Hudson Heritage at 845-561-5607 for more rates and mortgage options. Special rates, contact credit union for details.
Terms Rates PTS DN Fees APR
30-yr Fixed 3.875% 0.00 3.939%
15-yr. Fixed 3.250% 0.00 3.359%
3/1 ARM 2.875% 0.00 2.956%
7/1 ARM 3.875% 0.00 3.429%
Home Equity Loan 3.99% - - - 3.99%
Home Equity Line 4.00% - - - 4.00%

Hudson Valley FCU

800-468-3011
Website
APR quoted assumes 20% down payment w/ no mortgage insurance requirement. Call us to discuss your options.
Terms Rates PTS DN Fees APR
30-yr Fixed Conf. 4.00% 0 5% $0 4.00%
15-yr Fixed Conf. 3.25% 0 5% $0 3.26%
30-yr Jumbo 4.750% 0 5% $0 4.76%
5/1 30-yr 2.75% 0 5% $0 2.86%
Construction Loan 6.00% 0 5% $0 6.09%
Home Equity Loan (Fixed) 4.75% 0 20% $0 4.75%

M & T Bank

845-440-2851
VA, FHA, SONYMA, CONSTRUCTION LOANS AND REVERSE MORTGAGES
Terms Rates PTS DN Fees APR
30-yr Fixed 4.00% 0 10% Call 4.10%
FHA 3.50% 0 3.50% Call 4.23%
SONYMA 4.50% 0 3% Call 4.88%
15-yr Fixed 3.375% 0 10% Call 3.53%
30 yr jumbo 4.25% 1 4.31%

Mid Hudson Valley Federal Credit Union

800-451-8373ext:5002
Website
Now is a great time to purchase or refinance with rates at historic lows. Contact Denise Quinn at 845-522-3844 email address DQUINN@MHVFCU.COM or Tim Zwart at 845-594-9056 email address TZWART@MHVFCU.COM.
Terms Rates PTS DN Fees APR
30-yr. Fixed Conf. 4.00% 0 5% Call 4.014%
15-yr Fixed Conf. 3.25% 5% Call 3.275%
5/1 ARM 3.375% 0 5% Call 3.225%

O & R Utilities Employees FCU

845-783-5490
Website
Jumbo's Offered. WWW.ORUTILFCU.ORG Membership open to O & R Utilities Inc,ConED,Central Hudson Gas & Electric and New York Power and Light employees, 888-695-9970 ^^^^^^^^^^^ Change of Information ^^^^^^^^
Terms Rates PTS DN Fees APR
30-yr Fixed 3.875% 0.00 20% Please Call 3.922%
15-yr Fixed 3.250% 0.00 20% Please Call 3.333%
3-yr Conf. Adjustable Rate 2.875% 0.00 20% Please Call 3.407%
Home Equity Loan 4.74% -- -- Please Call 4.74%
Home Equity Line 4.00% -- -- Please Call 4.00%
5-YR Confrom. Adjustable Rate 3.000% 0.00 20% Please Call 3.371%

Orange County Trust Co.

845-341-5000
Website
For more info on our residential loan products call Deanna Timko 341-5036 .
Terms Rates PTS DN Fees APR
10-yr Call for rates. 0.00 20%
15-yr Call for rates. 0.00 20%
20-yr Call for rates. 0.00 20%
30-yr Call for rates. 0.00 20%

Progressive Mortgage Corp.

845-226-3534
Registered Mortgage Broker - NYS Banking Dept. Financing via 3rd party providers.
Terms Rates PTS DN Fees APR
15 yr fixed 3.25% 0 20% 365 3.33%
30 yr fixed 3.875% 0 20% 365 3.921%

Provident Bank

845-369-8551
Website
The APRs assume 25% or more down, lower down payments available, lower down payments may result in higher APRs. For additional rates or to apply online go to www.providentbanking.com
Terms Rates PTS DN Fees APR
5/1 ARM 3.250% 0.00 25% $450 3.344%
10-yr Fixed Conf. 3.125% 0.00 25% $450 3.307%
15-yr Fixed Conf. 3.125% 0.00 25% $450 3.250%
30-yr Fixed Conf. 4.000% 0.00 25% $450 4.075%

Rochester Home Equity

800-797-6669
Competitive Closing Costs and Approval Within 24 hours. Licensed Mortgage Banker, NYS Banking Department
Terms Rates PTS DN Fees APR
30-yr Fixed 3.625% 0 5% 3.65%
15-yr Fixed 2.875% 0 5% 2.91%
30 Yr Fixed Jumbo 4.500% 0 20% 4.52%
30 Yr FHA 3.750% 0 3.5% 4.53%

Superior Mortgage Co., Inc. of New York

845-928-2845
Green Financing for Solar Electric System Upgrades! NYS Income and NYS/FED ITC Combined Tax Credit Available! Reduce Your Electric costs! More info at www.superiormci.com" NO INCOME LOANS AVAILABLE "Best practices lending" Better than your bank
Terms Rates PTS DN Fees APR
30-year Fixed 3.500% 0 5.0% 3.765%
15- year Fixed 2.875% 0.00 5% 0 3.125%

The Berkshire Bank

845-294-6151
Website
LOCAL PROFESSIONAL, PERSONAL SERVICE IS JUST A PHONE CALL AWAY http://www.berkbank.com
Terms Rates PTS DN Fees APR
15-yr Fixed 3.125% 0 varies $570.00 3.194%
30-yr fixed 3.875% 0 varies $570.00 3.914%
15 Year Fixed Jumbo 4.25% 1 varies 720.00 4.409%

Ulster Savings Bank

845-294-7922
Website
*Points include discount and/or origination fees. Interest only programs available. '=Fees(Application+Appraisal+ Credit+ Processing) Primary, 2nd Home, Investment, Land & Construction Loans Available
Terms Rates PTS DN Fees APR
15-yr Fixed 2.875% 2.500 5% Please Call 3.338%
30-yr Fixed 3.625% 3.250 5% Please Call 3.953%
SONYMA 4.5% 0 -- Please Call 4.536%

Walden Savings Bank

845-457-7700ext:250
Vacant Land Loans * One Close Construction Mortgages First Time Home Buyer Programs Low Closing Costs * Low Down Payments **Now Offering Reverse Mortgages** WHAT CAN WE DO FOR YOU? Apply On Line www.waldensavingsbank.com
Terms Rates PTS DN Fees APR

Wallkill Valley S&L Assoc.

845-895-2051
Website
Commercial & Residential Loans available. For more information contact: Commercial - Barry Sutton - 895-2051 ext. 231 Residential - Melissa Flickenschild - 895-2051 ext. 226
Terms Rates PTS DN Fees APR
15 Year Fixed Rate 3.5% 0 varies - 3.60%
30 Year Fixed Rate 4.00% 0 varies - 4.15%
3/1 ARM 3.75% 0 varies - 3.764%
5/1 ARM 4.00% 0 varies - 4.19%
10/1 ARM 5.25% 0 varies - 5.289%
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