At Wallkill Valley Federal mortgage lending is the foundation of our business. We have helped thousands of residents within our community attain their dreams of homeownership. Most of mortgages that we originate are not sold into the secondary mortgage market but are kept within our loan portfolio. This is one of the things that allow us to treat each applicant as an individual, rather than a group of numbers on a page. We are not limited to Fannie Mae's and Freddie Mac's rigid underwriting guidelines. So, if your particular circumstances are not ideal for loan qualification, you are not automatically declined. If for instance, you have just started a new job, you are not automatically placed in a higher-risk/higher cost loan category.

Benefits of a mortgage with Wallkill Valley Federal Savings & Loan:

  • Fast, Local Loan Decisions
  • We will always service your loan
  • Underwriting flexibility
  • You have a real person to take your call

If you are considering purchasing a home or refinancing a current home, give us a call or stop in. Melissa Flickenschild (NMLS# 524987), our Senior Residential Loan Officer would be happy to answer your questions and/or provide more information regarding specific rates and terms. You can also email her at

Click here for a Residential Loan Application.

NMLS Institution ID#: 404992