There’s no place like HOME.

Sawyer Savings Bank is THE First-Time Home Buyer Bank. As a community bank, we understand the importance of homeownership 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 $300,000.00
  • First payment due 30 days from closing, reducing closing costs significantly.
  • Contact Patti Riozzi, NMLS# 649009 for more information, or to apply to our First Time Home Buyer Program, at or at 845-217-6070 (office-direct) or 845-750-4062 (mobile). Or apply online now.

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


*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