On the hunt for a new home in Hudson Valley and need to know the best current mortgage rates?  Want to refinance at a lower rate, or pull out cash for other needs? It’s a big decision, with a lot of options to consider.

We understand that once you’ve made your decision you’re ready to move ahead, not get bogged down in stacks of forms and endless delays.

Our experienced Hudson Valley Community Bankers can quickly assess your needs, help with paper work and lock in your rate so that you can close when you’re ready.

Whether this is your first or your fifth home, a Hudson Valley vacation home or an investment home, we’ll help you navigate through all your options to choose the financing that’s best for you and your budget.   From traditional fixed rate mortgages to creative adjustable rate loans, we can provide the best mortgage rates in Ulster County.   Contact us directly, or go ahead and start the application process by clicking here.

What’s the absolute best loan to choose here in the Hudson Valley?  Our Hudson Valley Community Bankers say there isn’t a single or simple answer to this question.

The right type of mortgage for you depends on many different factors:

• Your current financial picture
• How you expect your finances to change
• How long you intend to keep your house
• How comfortable you are with your mortgage payment changing

For example, a 15-year fixed rate mortgage can save you many thousands of dollars in interest payments over the life of the loan, but your monthly payments will be higher.  An adjustable rate mortgage may get you started with a lower monthly payment than a fixed rate mortgage, but your payments could get higher when the interest rate changes.

The best way to find the “right” answer is to discuss your finances, your plans and financial prospects, and your preferences frankly with us.