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American Homestead Mortgage

845-562-6800
Website
15 Years Hudson Valley Location. Rates based on $275,000 loan amount, single family residence, 7 day pricing LTV <=60 and credit rating 750+.Fee is for Application. Call our Latin Division.
Terms Rates PTS DN Fees APR
30-yr fixed 4.75% 0.00 10% 175.00 4.824%
15-yr fixed 4.125% 0 10% 175.00 4.198%
100% Financing Call 0 0% 300.00 Call
30 Year Rate Buydown 4.25% 2.5 10% 175.00 4.323%

Empire State Bank

877-413-6557
Website
Loan amounts up to $750,000 on the 30 Year, Fixed Jumbo and all Arm products.
Terms Rates PTS DN Fees APR
30 Year Fixed 4.875% 0 20% $325.00 4.936%
15 Year Fixed 4.25% 0 20% $325.00 4.347%
30 Year Fixed Jumbo 6.25% 0 20% $325.00 6.289%
3/1 ARM 5.0% 0 20% $325.00 5.089%
5/1 ARM 5.25% 0 20% $325.00 5.342%

Highland Falls Fed. S&L Assoc.

845-446-4711
CONSTRUCTION LOANS AVAILABLE.
Terms Rates PTS DN Fees APR
15-yr fixed 4.75% 0.00 10% $375 4.810%
30-yr fixed 5.5% 0 10% $375. 5.542%
30 yr-1yr arm 5.00% 0.00 10% $375 5.037%

Hudson Heritage FCU

845-561-5607ext:171
Website
Call Hudson Heritage at 845-561-5607 for more rates and mortgage options.
Terms Rates PTS DN Fees APR
30-yr Fixed 5.000% 0.00 $375 5.111%
15-yr. Fixed 4.375% 0.00 $375 4.560%
3/1 ARM 4.000% 0.00 $375 3.367%
7/1 ARM 4.875% 0.00 $375 4.029%
Home Equity Loan 5.25% - - - 5.25%
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. 5.125% 0 5% $0 5.13%
15-yr Fixed Conf. 4.50% 0 5% $0 4.50%
30-yr Jumbo 5.875% 0 5% $0 5.88%
5/1 30-yr 4.50% 0 5% $0 3.62%
Construction Loan 6.00% 0 5% $0 6.01%
Home Equity Loan (Fixed) 5.75% 0 20% $0 5.75%

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 800-451-8373 ext. 5002 or DQUINN@MHVFCU.COM.
Terms Rates PTS DN Fees APR
30-yr. Fixed Conf. 4.875% 1 5% $500.00 4.964%
15-yr Fixed Conf. 4.125% 1.00 5% $500.00 4.276%
5/1 ARM 4.25% 1 5% $500.00 3.770%

O & R Utilities Employees FCU

845-783-5490
Website
Jumbo's Offered. WWW.ORUTILFCU.COM Membership open to O & R Utilities Inc, ConED, and Central Hudson Gas & Electric employees 888-695-9970 *********** Change of Information *************
Terms Rates PTS DN Fees APR
30-yr Fixed 5.00% 0.00 20% Please Call 5.050%
15-yr Fixed 4.375% 0.00 20% Please Call 4.461%
3-yr Conf. Adjustable Rate 3.750% 0.00 20% Please Call 3.700%
Home Equity Loan 4.74% -- -- Please Call 4.74%
Home Equity Line 4.00% -- -- Please Call 4.00%
5-YR Confrom. Adjustable Rate 3.850% 0.00 20% Please Call 3.761%

Provident Bank

845-369-8040
Website
Terms Rates PTS DN Fees APR
5/1 ARM 3.990% 0.00 20% $450 3.324%
10-yr Fixed Conf. 3.990% 0.00 20% $450 4.157%
15-yr Fixed Conf. 4.500% 0.00 20% $450 4.621%
30-yr Fixed Conf. 5.125% 0.00 20% $450 5.199%

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 Conforming 4.75% 0 5% 4.77%
15-yr Fixed Conforming 4.25% 0 5% 4.27%
30 Yr Jumbo 8.50% 20% 8.52%
5/1 Arm 5%

Superior Mortgage Co., Inc.

800-724-8303
***Bring us a rate and we will beat it! Easiest Construction loans, call today***
Terms Rates PTS DN Fees APR
30-year 4.75% 0 5% 4.75%
15 year 4.25% 0.00 5% 0 4.25%
20 Year 4.625% 0 5% 0 4.625%
30-year FHA 4.875% 0 3.5% 0 4.875%
100 % VA 5.00% 0 0% 0 5.00%
No Income Loans Available Interest Only Back!! Arms Available

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 4.5% 0 30% $520.00 4.571%
30-yr fixed 5.25% 0 30% $520.00 5.292%
15 Year Fixed Jumbo 5.625% 1 30% 670.00 5.790%
30 Year fixed Jumbo 6.000% 1 30% 670.00 6.100%

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 4.25% 1.75 5% Please Call 4.351%
30-yr Fixed 4.625% 3. 5% Please Call 4.949%
SONYMA 4.750% 0.000 -- Please Call 4.750%

Walden Federal Savings and Loan Assoc

800-249-3832
Website
FIXED RATE SALE !!! Restrictions Apply - Call For Details WIN/WIN WITH OUR LOW CLOSING COSTS!!! Rated Excellent in Customer Satisfaction!
Terms Rates PTS DN Fees APR
call today for our low fixed rate mortgages
call today for our low fixed rate mortgages
Fixed Construction 5% 1 10% 145 8.44%
5/1 Arm Conf/Jumbo 5.25% 0 5% 145.00 5.292%
SONYMA 4.125% 0 3% $145.00 4.653%
FHA Call today for more information!!!

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
LOAN SALE!! 5/1 ARM FOR BOTH JUMBO AND CONFORMING MORTGAGES. WALLKILL VALLEY FEDERAL IS A LOCAL LENDER WHO LENDS THEIR OWN MONEY AND ALWAYS SERVICES THE LOAN. ALL DECISIONS ARE MADE LOCALLY FOR QUICK TURNAROUND TIME, LOW CLOSING COSTS AND SUPERIOR SERVICE. BOTH REFINANCES AND PURCHASE MONEY MORTGAGES ARE ELIGIBLE.
Terms Rates PTS DN Fees APR
5/1 ARM 4.75% 0 varies - 4.607%