Products, interest rates, and fees shown here are available to borrowers with an excellent credit history. The actual products, interest rates, and fees available to you will be based on your credit history and may be different than the rates displayed here. Click here for mortgage calculators.

Prequalify, model a home loan, or Apply NOW online! View our mortgage loan originator’s information below!

Product Term Rate APR Points Monthly Payment per $1,000.00
30-Year Fixed Rate Mortgage 30 Years 6.125% 6.176% 0 $6.08
First Time Homebuyer Product 30 Years 7.125% 7.054% 0 $6.66
Construction Loan Call us today for our current construction loan rates
15-Year Fixed Rate Mortgage 15 Years 5.875% 5.959% 0 $8.38

Rates effective February 8, 2023.

APR = Annual Percentage Rate. Your APR will vary based on your final loan amount and finance charges.

The interest rates, annual percentage rates (APRs), points, and/or rebates shown are subject to change without notice.

The monthly payment per $1,000.00 shown includes principal and interest. Taxes, property insurance, flood, and mortgage insurance (if applicable) are not included in the monthly payment amount. Your actual monthly payment amount may be higher. An escrow account may be required.

Qualifications and limitations apply for the above products and rates.

Ready to get started?
Let’s find your perfect mortgage, together.

Patti Riozzi, Residential Lending

Northern Territory

Northern Ulster, Northern Dutchess, Columbia and Greene Counties of New York

Patti Riozzi

V.P. Residential Loan Officer
NMLS# 649009

Direct: 845-217-6070
Mobile: 845-750-4062
Fax: 845.246.1132
85 Market Street, Saugerties, NY 12477
priozzi@sawyersavings.bank

Liza Mackey, V.P. Residential Lending

Southern Territory

Southern Ulster, Southern Dutchess, and Orange County of New York

Liza Lanzarone-Mackey

V.P. Residential Loan Officer
NMLS# 2362890

Direct: 845-217-6011
Mobile: 845-768-2679
Fax: 845.691.7183
3515 Route 9W, Highland, NY 12528
lmackey@sawyersavings.bank