Tell us the home you want, and we’ll help you get it.

We know your time is valuable and our online application process is designed for convenience. Let Sawyer Savings be your online mortgage lender. Get started by visiting our Online Mortgage Center. Once you apply, our Residential Lending Specialist will help you choose the right residential lending product to fit your needs.


We provide a full range of mortgage products to assist you in owning the home of your dreams:

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Start the online mortgage process by applying for your Pre-Qualification Certificate. This can be done by visiting our Online Mortgage Center.

Competitive rates

Experienced, friendly customer representatives that will be with you through every step of the process

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Refinancing a Home

Refinancing may be the solution for you. By doing so you may be able to

Reduce your monthly payment

Payoff your mortgage sooner by reducing your loan term

Pay off or pay down on your credit cards or installment loans

Make home improvements 

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Construction Loans

Competitive construction loan rates

Pre-qualification – to help you determine how much you can afford before you commit to your Contractor

Land Loans – you’ve found the property, but are not quite ready to build

Curbside funding – no worries for you or your contractor

Flexible draw schedule for loan advances

Interest only payments on the money advanced as the work progresses

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Home Equity Loans

Competitive rates

Flexible terms

Low closing cost options*

Fixed or variable rate loans

No annual fee

Interest may be tax deductible

*The no cost option has a three-year recapture feature
**Consult your tax advisor

Should you have any inquiries or direct complaints, contact us at Sawyer Savings Bank, P.O. Box 35, Saugerties, NY 12477 or at our toll free number 888-772-1871. Sawyers Savings Bank is registered with the Superintendent. Should you have other concerns or complaints, please contact New York State Department of Financial Services Consumer Assistance Unit at 1-800-342-3736 or by visiting the Department’s website at

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