Residential Mortgages

It's springtime and you may be considering a home purchase. Click on our Apply Now feature to see how much you could prequalify for!  It's that easy!

At Ulster Savings, we've built a strong reputation as an outstanding mortgage provider, serving the residential lending needs of individual homebuyers, builders and real estate professionals throughout the Hudson Valley.  Our experienced staff offers their expertise - from purchase to refinance to construction lending - to all of our residential mortgage customers.

In addition to the personal interaction we can provide through our team of Mortgage Specialists, we understand and appreciate the fact that some may prefer to educate themselves online.  Click on the image below to view our "Home Buying Guide" in PDF format!

Ulster Savings Bank - Home Buying Guide


We look forward to working with you to achieve your goal of purchasing/building your new home or refinancing your existing mortgage loan!  If you have any questions or concerns about the mortgage process, please call US at (866) 440-0391 or schedule an appointment with one of our Mortgage Specialists at your convenience.


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.


Residential 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.