At Wallkill Valley Federal mortgage lending is the foundation of our business. We have helped thousands of residents within our community attain their dreams of homeownership. Most of mortgages that we originate are not sold into the secondary mortgage market but are kept within our loan portfolio. This is one of the things that allow us to treat each applicant as an individual, rather than a group of numbers on a page. We are not limited to Fannie Mae's and Freddie Mac's rigid underwriting guidelines. So, if your particular circumstances are not ideal for loan qualification, you are not automatically declined. If for instance, you have just started a new job, you are not automatically placed in a higher-risk/higher cost loan category.

Benefits of a mortgage with Wallkill Valley Federal Savings & Loan:

  • Fast, Local Loan Decisions
  • We will always service your loan
  • Underwriting flexibility
  • You have a real person to take your call

If you are considering purchasing a home or refinancing a current home, stop in or give Cyndi O’Brien or Rick Farrow a call. 

Cyndi O'Brien                                           Rick Farrow 
Office:845-895-2051 ext 431                   Office:845-895-2051 ext 426  
Cell:845-346-6635                                   Cell:845-527-2090 
NMLS # 754577                                        NMLS # 800674

Click here to apply for a mortgage

NMLS Institution ID#: 404992