Mortgage Loans

Are you considering purchasing your first home?  Be sure to get yourself pre-qualified with US before hunting for the home of your dreams.  It's always a good idea to know your buying power before you make what will likely be one of the biggest financial decisions of your life!

Our mortgage team, from our mortgage loan specialists to our underwriters and loan servicing group, all strive to make owning your home the dream it was meant to be!  Listen to what our customers have told us about their mortgage experience with Ulster Savings:

"The entire team did an incredible job from the first time I spoke with them until closing." - Javier

"Best loan experience ever!" - Ben

"My father, who is a mortgage professional in New Jersey, helped us by working with Paola (Aguilar - Mortgage Loan Specialist in Goshen).  He stated that in his 30 years of experience, your staff is as good as it gets!" - Nicholas

"Mark Trott was extremely professional.  He was very helpful in accomplishing what I wanted to do with the mortgage." - Richard


The Consumer Financial Protection Bureau (CFPB), a government agency built to protect consumers, created their "Know Before You Owe" initiative as a means for consumers to better understand the entire mortgage process, from loan options to associated closing costs and much more.  Click here to visit the CFPB site for more details!


Here's a great video that explains how our Mortgage Specialists help first-time homebuyers get pre-qualified and on the path to homeownership!



Fair Lending / Fair Housing 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 and fair housing laws and within the confines of safe and sound banking practices.  Ulster Savings Bank believes that its commitment to fair lending and fair housing 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.

Mortgage Loans

We are committed to ensuring that persons with disabilities have access to our goods and services, including those offered through our website. If you have any feedback or questions regarding our website, please e-mail us at customerservice@ulstersavings.com or call us at 1-866-440-0391.
Member FDIC

Investment, Tax, Payroll and Insurance products and services offered through Ulster Insurance Services, Inc. and Ulster Financial Group, Inc., subsidiaries of Ulster Savings Bank, are NOT FDIC INSURED.

Equal Housing Lender

NMLS #619306

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Did you know about our Financial Education Center?
Click here for FREE educational resources today!

Did you know about our Financial Education Center?
Click here for FREE educational resources today!

Are you purchasing a home?
Click here to learn about the mortgage process.