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Important Update

 In conjunction with New York State's adoption of the latest CDC guidelines around social distancing and mask usage, fully vaccinated individuals will no longer be required to wear a mask in most settings.  

This update will be effective Wednesday, May 19th and applies to Walden Savings Bank customers, employees and other guests who enter any of our locations. Learn More

In conjunction with New York State's adoption of the latest CDC guidelines around social distancing and mask usage, fully vaccinated individuals will no longer be required to wear a mask in most settings.  

This update will be effective Wednesday, May 19th and applies to Walden Savings Bank customers, employees and other guests who enter any of our locations. Learn More

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Purchase Loan

Why is Walden Savings Bank your mortgage lender of choice when purchasing a home?

We make buying a home an easy process.  Whether it's because you are moving, buying a second home or looking to generate income from an investment property, we're here to help you get the financing you need.  Our local underwriting decisions and knowledge of the Hudson Valley provide you with the service level you expect and deserve. Contact one of our Mortgage Loan Consultants today to get started or to discuss your options.

  • Free Pre-Qualification
  • Free Rate Lock
  • Low Closing Costs

 

Our Rates

Loan Type Rate APR
30-Yr Fixed - As low as 3.250% 3.276%1
15-Yr Fixed - As low as 2.500% 2.554%2
10/1 ARM - As low as 3.375% 3.379%3
7/1 ARM - As low as 3.250% 3.254%4
5/1 ARM - As low as 3.125% 3.129%5
3/1 ARM - As low as 3.125% 3.129%6

APR Assumptions as of 05/18/2021 08:56 AM EDT
rates subject to change

Get Started!

Call 845-457-7700, option 4, or have one of our Mortgage Loan Consultants contact you.

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Fixed Rate Mortgages

Fixed Rate Mortgages are perfect for those borrowers looking to stay in their home for a longer period of time or want the peace of mind that comes with a stable payment.  If you are concerned about rates rising over the next several years, then this type of mortgage is for you.

  • Terms available include 10 year, 15 year, 20 year, 25 year and 30 year fixed periods
  • Principal and interest portion of your payment is fixed for the life of the loan
  • Up to 95% financing with Mortgage Insurance on a single family primary residence
  • Up to 85% financing without Mortgage Insurance on a single family primary residence
  • Up to 80% financing on a single family investment property
  • Loan amounts up to $484,350 (higher for Jumbo mortgages) 
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Adjustable Rate Mortgages

If you are looking for lower interest rates, lower payments or only plan to spend a short time in your home then an Adjustable Rate Mortgage is for you.  You may even qualify for a larger loan amount in certain interest rate environments.  Your interest rate will be fixed for the initial fixed period of your loan, thereafter your rate will adjust annually based upon the index and margin.
 

  • Terms available include 1, 3, 5, 7 and 10 year fixed periods
  • Index is based upon the 1 Year CMT (Constant Maturity Treasury)
  • Up to 95% financing with Mortgage Insurance on a single family primary residence
  • Up to 85% financing without Mortgage Insurance on a single family primary residence
  • Up to 75% financing on a single family investment property with a 20 year term
  • Loan amounts up to $484,350 (higher for Jumbo mortgages)
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