Mortgages

We help make home ownership a reality. You deserve the area’s
#1 Community Bank Mortgage Lender* working hard for you!

Ask US about grant availability, down payment assistance, homebuyer resources and more! We’ve helped thousands go from renting to owning. We’d love to help you too.

Experience matters and we’re here to help you find the right mortgage to fit your situation. Our Mortgage Specialists are available at a mutually agreeable time at the office location most convenient for you. Take the first step to homeownership with a pre-qualification.

Before you find the right home, you need to find the right mortgage.Getting pre-qualified by an expert mortgage lender that lets you know how much buying power you have. Knowing your buying power will give you the knowledge needed when you start looking for that perfect home. The loan that is right for you depends on several factors:

  1. Your current and projected financial situation
  2. How long you intend to keep the home
  3. How much you want to put down
  4. Your eligibility for special programs such as veterans or first-time homebuyers
 
 

FAIR LENDING STATEMENT:
Ulster Savings Bank is committed to making high quality banking and credit services available to all applicants consistently and in compliance with fair lending laws and within the confines of safe and sound banking practices. Ulster Savings Bank believes that its commitment to fair lending is a good business practice as well as a basic responsibility of the company. The Bank’s success at serving a wide range of consumer and business customers is essential to the economic welfare of the community in which it conducts business and to the continued growth and vitality of the company.

*#1 community bank in applications and originations in Ulster, Dutchess, Orange counties combined based on 2023 Peer Data reported through NContracts.

24/7 Debit Card Support: 866-440-0392
Calls from 800-262-2024 are from our fraud monitoring provider Enfact.
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