First Time Home Buyer RENOVATION Program with 100% Financing!

Buying a home that needs some RENOVATIONS in Ulster, Dutchess, Greene, and Orange Counties?

We have a fully amortizing fixed rate 100% financed mortgage for First Time Home Buyers for renovations of primary, single family residences!


  • First Time Home Buyers are individuals who meet any of the following criteria:
  • Had no ownership in real estate in last TWO years EXCLUDING ownership in raw land.
  • Owned a principal residence not permanently affixed to a permanent foundation in accordance with applicable regulations.

How Our Program is Different!

  • Not a Government backed product and does not have Government backed product renovation restrictions. Product has contractor friendly flexible disbursement schedule.
  • Manufactured homes considered on a case-by case basis.
  • First payment due 30 days from closing date this will help to reduce closing costs.No prepaid interest will be charged.


Contact Patti Riozzi, NMLS# 649009 for more information at or at 845-217-6070 (office-direct) or 845-750-4062 (mobile). Or apply online now.

*Certain restrictions apply. Must meet qualification guidelines.

Contact Me

Patti Riozzi Headshot
Patti Riozzi, NMLS# 649009
Office Direct: 845-217-6070
Mobile: 845-750-4062

Or, Fill Out the Form Below and I Will Get Back to You

In an effort to keep our customers and employees safe during this time of rising COVID cases, effective Thursday, January 6th, 2022 our Saugerties, Marlboro and Highland branch lobbies will be CLOSED temporarily. Our Drive-Up windows and Fast Track Banking ARE AVAILABLE. Learn More