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IMPORTANT UPDATE:
There has been an increase in "phishing" activity in and around our community. These attempts may be made via texts, e-mail or phone calls and often made to appear that they are coming from a legitimate source, even Walden Savings Bank. Should you be contacted via phone, text or email by anyone claiming to represent Walden Savings Bank, please do not share any of your personal information. Instead we encourage you to contact us directly through our verified contact information available here the Walden Savings Bank website.  

Walden Savings Bank continues to monitor the developments with Silicon Valley Bank headquartered in California and Signature Bank out of New York.

Click here to read a special message from our President & CEO, Derrik R. Wynkoop. 

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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 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.  

Our Rates

Loan Type Rate APR
30-Yr Fixed - As low as 6.000% 6.062%1
15-Yr Fixed - As low as 5.500% 5.757%2
10/1 ARM - As low as 6.250% 6.844%3
7/1 ARM - As low as 6.125% 7.025%4
5/1 ARM - As low as 5.500% 6.965%5

APR Assumptions as of 03/22/2023 09:47 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.

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Refinance with Fixed Rate Mortgages

The advantage of a Fixed Rate 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 $484,350 (higher for Jumbo mortgages)
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Refinance with Adjustable Rate Mortgages

Adjustable Rate 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 $484,350 (higher for Jumbo mortgages)

Contact one of our Mortgage Loan Consultants to get your process started!

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