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.


*Certain restrictions apply. Must meet qualification guidelines.

Ready to get started?
Let’s find your perfect mortgage, together.

Patti Riozzi, Residential Lending

Northern Territory

Northern Ulster, Northern Dutchess, Columbia and Greene Counties of New York

Patti Riozzi

V.P. Residential Loan Officer
NMLS# 649009

Direct: 845-217-6070
Mobile: 845-750-4062
Fax: 845.246.1132
85 Market Street, Saugerties, NY 12477

Liza Mackey, V.P. Residential Lending

Southern Territory

Southern Ulster, Southern Dutchess, and Orange County of New York

Liza Lanzarone-Mackey

V.P. Residential Loan Officer
NMLS# 2362890

Direct: 845-217-6011
Mobile: 845-768-2679
Fax: 845.691.7183
3515 Route 9W, Highland, NY 12528