Tell us the home you want, and we’ll help you get it.

We know your time is valuable and our online application process is designed for convenience. Let Sawyer Savings be your online mortgage lender. Get started by visiting our Online Mortgage Center. Once you apply, our email hidden; JavaScript is required will help you choose the right residential lending product to fit your needs.


We provide a full range of mortgage products to assist you in owning the home of your dreams:

Anchor LinkPurchase

  • Start the online mortgage process by applying for your Pre-Qualification Certificate. This can be done by visiting our Online Mortgage Center.
    • Competitive rates
    • Experienced, friendly customer representatives that will be with you through every step of the process

Anchor LinkRefinancing a home

  • Refinancing may be the solution for you. By doing so you may be able to
    • Reduce your monthly payment
    • Payoff your mortgage sooner by reducing your loan term
    • Pay off or pay down on your credit cards or installment loans
    • Make home improvements

Construction Loans

  • Competitive construction loan rates
  • Pre-qualification – to help you determine how much you can afford before you commit to your Contractor
  • Land Loans – you’ve found the property, but are not quite ready to build
  • Bridge Loans – use the equity in your current home for a down payment or closing costs
  • Curbside funding – no worries for you or your contractor
  • Flexible draw schedule for loan advances
  • Interest only payments on the money advanced as the work progresses

Anchor LinkHome Equity Loans

  • Competitive rates
  • Flexible terms
  • Low closing cost options*
  • Fixed or variable rate loans
  • No annual fee
  • Interest may be tax deductible

*The no cost option has a three-year recapture feature
**Consult your tax advisor

*Please be advised that you will be able to receive periodic statements under Part 419 on or shortly after August 14th .


Should you have any inquiries or direct complaints, contact us at Sawyer Savings Bank, P.O. Box 35, Saugerties, NY 12477 or at our toll free number 888-772-1871. Sawyers Savings Bank is registered with the Superintendent. Should you have other concerns or complaints, please contact New York State Department of Financial Services Consumer Assistance Unit at 1-800-342-3736 or by visiting the Department’s website at