Buying A Home: It all starts with developing the right relationships!


Home.  Purchasing a home represents the fulfillment of the American Dream and a big step for many people.  While visions of receiving the keys to your new house are dancing on the horizon, it is also likely that you are dreading the mountains of paperwork in your not so distant future.  While it’s true that buying a home can be a stressful experience, it is also true that with the right people helping you along the way, the path to home-ownership can be pleasurable!

It all starts with developing the right relationships
Wallkill Valley Federal Savings and Loan is a local bank with roots deep in the community.  One of our favorite things to do is help our customers purchase their dream home. All of our loan approvals are made within our four walls.  We get to know you by more than the stacks of paperwork you fill out and base our approvals on more than a series of checked boxes. If you are in the market for a new home, even if you do not currently bank with us, we would love to get to know you and help you along the path toward homeownership. 

We would be happy to sit down with you and talk you through the entire loan process from pre-qualification to closing. Our loan officers Cyndi O’Brien (NMLS# 754577) and Rick Farrow (NMLS# 800674) are ready to answer questions and help you get started.  To reach Cyndi O’Brien, call 845-946-6635 or 845-895-2051 ext 431.  For Rick Farrow, call 845-527-2090 or 845-895-2051 ext 426.

If you don’t feel ready just yet to come in and speak to someone at the bank, a great next step is to get all your paperwork in order. At WVFSL, our loan process is pretty streamlined and most of the time, the loan process starts with a pre-qualification.  Once you are ready, you can either give us a call or get the process started online!

You’ll also want to give serious consideration to the finances involved in buying a home. Sit down and make a budget that includes all costs beforehand so you know how much the initial investment will be. Expenses for home ownership include more than just your mortgage payment, so be prepared, and be sure to budget for all costs, including closing costs, property taxes, and insurance.

Wallkill Valley Federal Savings & Loan is an Equal Opportunity Housing Lender (NMLS#1790987).