Where Experience and Relationships matter.

“I enjoy using my experiences and expertise to help guide borrowers through achieving their most important investment – home ownership.”

At Sawyer Savings Bank, we go beyond the numbers to understand the people, the project, and the lending need. While many banks are focused on making sales, our intent is building long term relationships.

Charles proudly serves mortgage borrowers in Ulster, Dutchess, Greene, and Orange Counties in New York. As a full-service Residential Loan Originator, he is ready to assist with your home purchase or refinance needs. With over 20 years of mortgage lending experience and deep roots in the Hudson Valley, Charles has a strong understanding of the local market. His expertise allows him to guide borrowers through every step of the mortgage process while addressing the unique needs of the community.

Charles is especially proud to offer Sawyer Savings Bank’s exclusive First-Time Homebuyer Program*, which provides qualified borrowers with 100% financing for loans up to $400,000.

*certain restrictions apply. Must meet qualification guidelines

Charles Specializes in:

Residential Lending

First Time Home Buyer*

We want to help you achieve that feeling of pride and accomplishment when you are handed the keys to your first home!

*certain restrictions apply. Must meet qualification guidelines

Refinance

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, or make home improvements .

Home 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

Construction Loans

Pre-qualification • Land Loans • Curbside funding

Flexible draw schedule for loan advances

Interest only payments on the money advanced as the work progresses

Want to learn more about the Mortgage Process?

Download my helpful PDF guide that explains the mortgage process right here in the Hudson Valley. It explains in a simple 13 step process what to expect while obtaining your dream of home ownership.

Contact us for rate information. 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 www.dfs.ny.gov.