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American Homestead Mortgage

845-562-6800
10 Years Hudson Valley Location. The BEST construction loans in NYS. Rates based on $275,000 loan amount, single family residence and 10 day pricing.
Terms Rates PTS DN Fees APR
30-yr fixed 5.625% 0.00 5% $95 5.70%
15-yr fixed 5.250% 0.00 5% $95 5.323%
20-yr fixed 5.50% 0.00 5% $95 5.620%
1 Close Construction 5.875% 0 5% $550 Call
30-Yr (Rate Buydown) 5.375% 1.375 5% $95 5.475%
10-Yr (Rate Buydown) 4.875% 1 0% $95 5.053%

Continental Home Loans

845-567-9030
Website
BUY A HOUSE WITH ONLY $1,000! We're a Mortgage Bank not a "Broker"! We also offer SONYMA, VA and FHA loans. Reverse Mortgage Specialists.
Terms Rates PTS DN Fees APR
30 Year Fixed 5.875% 0 5% $350 5.90%
15 Year Fixed 5.50% 0 5% $350 5.55%
20 Year Fixed 5.50% 0 5% $350 5.52%
Construction Loans Call Call Call Call
$1,000 DOWN PROGRAM 6.50% 0 0% 0 6.65%
WE'RE YOUR REVERSE MORTGAGE SPECIALISTS!

Countrywide 845-326-8800

845-326-8800
400 Rte 211 E. Ste 30, Middletown, NY 10940 Please call for the most current rates Payments FHA - SONYMA - VA Refinance Accepted Home Equity & Construction Loans at this Inquire about our Reverse Mortgage Program Location
Terms Rates PTS DN Fees APR

Highland Falls Fed. S&L Assoc.

845-446-4711
CONSTRUCTION LOANS AVAILABLE.
Terms Rates PTS DN Fees APR
15-yr fixed 5.50% 0.00 10% $375 5.571%
25-yr fixed 6.00% 0.00 10% $375 6.053%
25-1yr ARM 5.00% 0.00 10% $375 5.042%

Hudson Heritage FCU

845-561-5607
Website
Check your credit score, for FREE, before you start home shopping. Call Hudson Heritage FCU today.
Terms Rates PTS DN Fees APR
30-yr Fixed 6.375% 0.00 5% $375 6.460%
15-yr. Fixed 5.875% 0.00 5% $375 6.010%
7/1 ARM 5.625% 0.00 5% $375 5.301%
5/1 ARM 5.375% 0.00 5% $375 5.108%
Home Equity Loan 5.00% - - - 5.00%
Home Equity Line 4.25% - - - 4.25%

Hudson Valley FCU

800-468-3011
Website
APR quoted assumes 20 down payment w/ no mortgage insurance requirement.
Terms Rates PTS DN Fees APR
30-yr Fixed Conf. 6.125% 0 5% $0 6.13%
15-yr Fixed Conf. 5.625% 0 5% $0 5.63%
30-yr Jumbo 6.875% 0 5% $0 6.88%
5/1 30-yr 5.25% 0.00 5% $0 4.94%
Construction Loan 6.00% 0.00 5% $0 6.09%
Home Equity Loan (Fixed) 5.75% 0.00 20% $0 5.75%

M & T Mortgage Corp.

845-440-2851
Website
VA, FHA, SONYMA, Construction Loans and Reverse Mortage
Terms Rates PTS DN Fees APR
30-yr Fixed 5.88% 1.00 5% Call 6.09%
15-yr Fixed 5.25% 1.00 5% Call 5.67%
SONYMA 5.50% 0 3% Call 5.50%
FHA 6.38% 0.00 2.25% Call 6.51%
30-yr Jumbo 6.63% 1.00 --- --- 6.88%

Mid Hudson Valley Federal Credit Union

800-451-8373ext:5002
Website
Contact Maggie Ebeling @ Ext 5002 , MORTGAGECENTER@MHVFCU.COM
Terms Rates PTS DN Fees APR
30-yr. Fixed Conf. 6.125% 0 5% $450.00 6.126%
15-yr Fixed Conf. 5.625% 0 5% $450.00 5.628%
5/1 ARM 5.25% 0 5% $450.00 5.096%

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 *********** Change of Information *************
Terms Rates PTS DN Fees APR
30-yr Fixed 6.250% 0.00 20% Please Call 6.304%
15-yr Fixed 6.000% 0.00 20% Please Call 6.090%
7-yr Conf. 6.00% 0.00 20% Please Call 6.115%
Home Equity Loan 5.75% -- -- 0 5.75%
Home Equity Line 4.00% -- -- -- 4.00%

Orange County Trust Co.

845-341-5000
Website
For more info on our residential loan products call Gina at 341-5008.
Terms Rates PTS DN Fees APR
10-yr 5.66% 0.00 20% $450.00 5.67%
15-yr 5.71% 0.00 20% $450.00 5.72%
20-yr 6.16% 0.00 20% $450.00 6.17%
30-yr 6.26% 0.00 20% $450.00 6.27%

Progressive Mortgage Corp

845-226-3534
Website
All Credit Options Available. Registered Mortgage Broker NYS Banking Department.
Terms Rates PTS DN Fees APR
15 yr fixed 5.375% 0 20% 450 5.49%
30 yr fixed 5.75% 0 20% 450 5.82%

Provident Bank

845-369-8040
Website
Terms Rates PTS DN Fees APR
30-yr Fixed Conf. 6.000% 0.00 20% $390 6.211%
15-yr Fixed Conf. 5.750% 0.00 20% $390 6.016%
30-yr Jumbo 7.000% 0.00 20% $590 7.211%
5/1 ARM 5.490% 0.00 20% $390 5.554%

Rochester Home Equity

800-797-6669
Competitive Closing Costs and Approval Within 24 hours.
Terms Rates PTS DN Fees APR
30-yr Fixed Conf. 5.625% 0.00 -- 5.65%
15-yr Fixed Conf. 5.250% 0.00 -- -- 5.27%
30-yr Jumbo Non-Conf. 8.000% 0.00 -- -- 8.02%

Superior Mortgage, Co.

800-724-8303
Bring Us a rate and we will beat it! Easiest construction loan, call today!
Terms Rates PTS DN Fees APR
30-yr 5.875% 0.00 5% $0.00 5.875%
15-yr 5.625% 0.00 5% $0.00 5.625%
30-yr Jumbo 7.25% 0.00 5% 0 7.25%
1-yr ARM 1.25% 0 5% 0 1.25%
40/40 6.25% 0 5% 0 6.25%
30-yr FHA 6.00% 1 3% 0

TEG Federal Credit Union

845-790-6625
Website
* No aplication or lock-in fees * Low closing costs on Mortgages * Now offering Reverse and Commercial Mortages * Mortgage Rates Reflect a .25% APR promotional rate reduction
Terms Rates PTS DN Fees APR

TEG Federal Credit Union

845-452-7323
Website
No Application or Lock-In Fees $200 Discount on Our Low Closing Costs Now Offering Reverse & Commercial Mortgages Mortgage Rates Reflect a .25% APR promotional rate reduction
Terms Rates PTS DN Fees APR
15-yr Fixed 5.50% 0.00 5% 0.00
30-yr Fixed 6.00% 0.00 5% 0.00
40-yr Fixed 6.375% 0.00 5% 0.00
Fixed Rate Home Equity Loan 4.99% 0.00 -- -- 4.99%
Variable Rate Home Equity Line 4.50% 0.00 -- -- 4.50%

The Berkshire Bank

845-294-6151
Website
http://www.berkbank.com
Terms Rates PTS DN Fees APR
15-yr Fixed 5.875% 0.00 20% $445 6.064%
15-yr Fixed 5.750% .50 20% $445 6.017%
30-yr Fixed 6.125% 0.00 20% $445 6.240%
30-yr Fixed 6.000% .50 20% $445 6.161%

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 5.375% 2.000 5% Please Call 5.791%
30-yr Fixed 5.750% 2.00 5% Please Call 6.001%
SONYMA 5.500% 0.000 -- Please Call 5.500%

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
30-yr Fixed Sonyma 5.00% 0 3% 145 5.04%
5/1 ARM CONF/JUMBO 5.00% 0 5% 145 4.78%
40 Year fixed 6.375% 0 5% 145 6.41%
Fixed Construction 5.000% 1 10% 145 8.44%
30-yr Fixed CALL FOR QUOTE !!
15-yr Fixed CALL FOR QUOTE !!

Wallkill Valley S&L Assoc.

845-895-2051
Website
NEW!! "Best of Both Worlds" Home Equity Line of Credit The flexibility of a Line Of Credit and peace of mind of a fixed rate note. One loan, One closing & One monthly bill!
Terms Rates PTS DN Fees APR
30 year Fixed Conf 6.125% 0.00 5% $465. 6.125%
15 year Fixed Conf 5.750% 0.00 5% $465. 5.750%
5/1 ARM Conf/Jumbo 5.625% 0.00 10% $285 5.70%
7/1 ARM Conf/Jumbo 5.875% 0.00 10% $295. 5.81%
Fixed Rate Home Equity 5.5% 0.00 20% 0.00 5.50%