Mortgage Specialists

It’s so important to work with a qualified lender with a proven history, like Ulster Savings, so that you are advised properly about all the loan products available to you. Our Mortgage Specialists are available at a mutually agreeable time at the office location most convenient for you.

Sure, you can self educate online and you should! But, it’s always helpful to talk to an expert to understand the twists and turns that could arise along the way. Have your questions answered by US. Our mortgage specialists are fully licensed with the National Mortgage Licensing System(NMLS) and have been through extensive training to ensure they are up to date on the latest programs and guidelines.

We offer mortgages throughout New York State (excluding the five boroughs of New York City) and our mortgage specialists are located in Ulster, Dutchess, Orange and Westchester counties. For a mortgage in other counties in New York State please call Michelle Raskoskie at 866-440-0391 ext. 3471 or contact her via e-mail at

Ulster County Mortgage Specialists

Photo of Greg Eckert

Greg Eckert

NMLS# 4935

Contact Greg
Photo of Richard Heese

Richard Heese

NMLS# 467202

Contact Richard
Photo of Barbara C. Mayfield

Barbara C. Mayfield

NMLS# 657434

Contact Barbara
Photo of Michael Murphy

Michael Murphy

NMLS# 1499297

Contact Michael
Photo of Michele M. Rizzi

Michele M. Rizzi

NMLS# 423364

Contact Michele
Photo of Mark Trott

Mark Trott

NMLS# 657439

Contact Mark

Dutchess County Mortgage Specialists

Photo of Christy Kowalsky

Christy Kowalsky

NMLS# 1898770

Contact Christy
Photo of Matthew LaSpada

Matthew LaSpada

NMLS# 1579106

Contact Matthew
Photo of Michele M. Rizzi

Michele M. Rizzi

NMLS# 423364

Contact Michele

Orange and Sullivan County Mortgage Specialists

Photo of Susan Boersema

Susan Boersema

NMLS# 657419

Contact Susan
Photo of Jack Fanning

Jack Fanning

NMLS# 657427

Contact Jack

Westchester Mortgage Specialists

Photo of Margaret O’Connor

Margaret O’Connor

NMLS# 90777

Contact Margaret

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. 

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