Zero reasons to wait.

With our 100% First Time Home Buyer program there’s no reason to delay your dreams of home ownership any longer. You’ll be home sooner than you thought possible with zero down and zero mortgage insurance.*

Sawyer Savings Bank is THE First-Time Home Buyer Bank. As a community bank, we understand the importance of home ownership 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 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.

  • 100% financing available*
  • No Private Mortgage Insurance for loans up to $350,000.00
  • First payment due 30 days from closing, reducing closing costs significantly.
  • Those who have not owned a home in the last TWO years qualify for this program.
  • Loan servicing stays with Sawyer Savings Bank for the lifetime of the mortgage.

Are your looking for a first time home buyer renovation program with 100% financing?


*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