Welcome Home!

“Mortgage lending has long been the foundation of Wallkill Valley Federal Savings and Loan.We have helped thousands of residents within our community attain their dreams of homeownership.We offer both Fixed Rate and Adjustable Rate Mortgages.Our underwriting is all done locally and we do keep some of our mortgages in portfolio.This allows us to be more flexible in our underwriting and not always limited to the secondary market rigid underwriting guidelines.So, if your particular circumstances are not ideal for loan qualification, you are not automatically declined.We also keep all our servicing in house so if you need to talk to someone after your loan closes, you contact us!!!”

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

  • Competitive Rates
  • Faster Processing
  • In-House Loan Decisions
  • Underwriting flexibility
  • Low Fees
  • We will always service your loan

If you are considering purchasing a home or refinancing your current home, please feel free stop into one of our branches located throughout Orange & Ulster counties. Or give Cyndi O’Brien, Rick Farrow or James DiSalvo a call, they would be happy to answer any questions and get you started on your journey to home ownership.

Cyndi O'Brien


845-895-2051 ext 431
Cell: 845-346-6635
NMLS # 754577

NMLS Institution ID: 1790987

Rick Farrow


845-895-2051 ext 426
Cell: 845-527-2090
NMLS # 800674

NMLS Institution ID: 1790987

James DiSalvo


845-895-2051 ext. 310
Cell: 845-721-3650
NMLS # #788425

NMLS Institution ID: 1790987

Ready To Get Started?

You can apply for a mortgage right now.