Refinance Mortgage Loan & Rates
Refinancing can lower your monthly mortgage payments. Learn more!
Want to take advantage of today's low refinance rates, get cash out or just payoff your mortgage loan sooner? Contact one of our Refinance Mortgage Loan Consultants today to get started or to discuss your options. Our knowledge of the Hudson Valley provides you with the service level you expect and deserve.
Mortgage Rates
| Loan Type | Rate | APR |
|---|---|---|
| 30-Yr Fixed - As low as | 6.500% | 6.665%1 |
| 15-Yr Fixed - As low as | 5.500% | 5.910%2 |
| 10/1 ARM - As low as | 6.125% | 6.573%3 |
| 7/1 ARM - As low as | 6.000% | 6.652%4 |
| 5/1 ARM - As low as | 5.875% | 6.735%5 |
APR Assumptions as of 07/02/2025 10:02 AM
rates subject to change
Get Started!
Call 845-457-7700, option 5, or have one of our Mortgage Loan Consultants contact you about our refinance rates.
Fixed Rate Refinance Mortgages
The advantage of a Fixed Rate Refinance Mortgage is the fixed interest rate that you pay on the principal that you’ve borrowed. It makes it easy to predict and budget your refinancing needs.
- Terms include 10, 15, 20, 25 or 30 year fixed periods
- The principal and interest portion of your payment remain 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 $806,500 (higher for Jumbo mortgages)
Adjustable Rate Refinance Mortgages
Adjustable Rate Refinance Mortgages work well if you plan to be in your home for a relatively brief time, because terms are first fixed and then “float.” These offer the opportunity to take advantage of possible interest rate decreases over time.
- Terms include 1, 3, 5, 7, and 10 year fixed periods
- The 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 $806,500 (higher for Jumbo mortgages)
Contact one of our Refinance Mortgage Loan Consultants to get your process started!
