Our First Time Homebuyer Program can help you


100% Fixed Rate Financing For loans up to up to $300,000*!
Plus No Private Mortgage Insurance (PMI)


With this exclusive First Time Home Buyer program, you not only get competitive rates and low closing costs, but also superior customer service. You can even get pre-approved online in minutes! To help make your dream a reality, you may qualify for this program if you haven’t owned a home in the last TWO years! Decisions are made locally, and your mortgage will be serviced by Sawyer Savings Bank. With this Exclusive product, there are no government hoops to jump through.

Want to learn more or have questions?

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

Just remember, with our first time homebuyer program:

  • 100% financing available*
  • No Private Mortgage Insurance for loans up to $300,000.00.
  • First payment due 30 days from closing, reducing closing costs significantly.
  • Decisions made right here in the Hudson Valley.
  • You may qualify if you haven’t owned a home in the last two years.


*Certain restrictions apply. Must meet qualification guidelines.