Nothing sounds sweeter than your first “welcome home.”

Sawyer Savings Bank IS the First-Time Home Buyer Bank. As a community bank, we understand the importance of homeownership and community. We want to help you achieve that feeling of pride and accomplishment when you are handed the keys to your first home!


We can guide you through the entire process — from saving for a down payment, to the day you close on your first home, to information to consider beyond that day.

  • 100% financing available*
  • No Private Mortgage Insurance for loans up to $250,000.00**
  • First Home Club Accounts Available
  • First payment due 30 days from closing, reducing closing costs significantly.

Contact Patti Riozzi for more information, or to apply, at email hidden; JavaScript is required or at 845-217-6070 (office-direct) or 845-750-4062 (mobile). Or apply online now.

*Certain restrictions apply. Must meet qualification guidelines.

**Must qualify for First Time Home Buyers Program with specific qualifications. 10% down payment required on any amount over $230,000. For example, a loan amount of $250,000 would require a $2,000 down payment