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Get a Loan

We’re different than other lenders.

You’ll find that taking out a loan with Wallkill Valley Federal Savings & Loan is about more than your credit score and filling out a stack of forms…it’s an experience.

We believe that putting community first means helping make dreams come true.  We do our best to get to know the people in our neighborhood so that when it comes time to make a decision on a loan, we are able to consider all of the factors involved.  Each loan is carefully considered in house and all decisions are made within our four walls.

Loan Products are not one size fits all.  Each loan has its place and services different needs.  Whether you are buying a home, an investment property, or want to utilize the equity in your current home, we are here to review your options.  If you aren’t sure if you need a Mortgage Loan or a Construction Loan, we’ll review your options with you and help you find the product that fits your needs.

Personal Loans

Buying a home is one of the most important financial transactions you will make during your lifetime. Selecting the best mortgage program for you can help maximize the equity you build in the property and ensure your financial stability. Our home mortgages help you realize your dream of home ownership. We also offer home equity lines of credit (HELOCs), to help you leverage the equity you’ve already established. Use the funds to remodel or upgrade your home, consolidate your debts, or for any other purpose you choose.

We make the process as simple and stress-free as possible. You can apply for your New York home loan online and even upload your documents directly to us through our secure borrower portal.

Ask us about our innovative residential construction loan programs that convert to a permanent mortgage upon completion of the home. If you plan to purchase an investment property, we can help you accomplish those goals, too.

Business Loans

Helping small, local businesses get off the ground, expand, and survive challenging times helps keep our community vibrant. Our business loan programs are designed to accomplish these objectives and more.

Throughout the Hudson Valley of New York, our commercial loans and lines of credit put our customers and community first. Unlike a large, commercial bank, we make all of our lending decisions in-house. We also offer commercial mortgages and construction loans. This helps our customers escape the costly rental trap and own or expand their own facilities.

As a federal savings and loan, we have some of the most dynamic and diverse loan programs available in New York today. Whether you are an individual or a business enterprise, we have programs designed to fit your needs and achieve your goals.

Whatever your individual or commercial borrowing needs might be, let us help you achieve your goals. Contact our main office in Wallkill or any one of our convenient branch locations today to learn more.