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