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, give us a call!

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, refinancing your current home, or if you are a first time homebuyer– please give us a call! Our loan originators Cyndi O’Brien or Michael Kinsch would be happy to answer any questions you may have and get you started on your journey to homeownership.

Cyndi O'Brien


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

NMLS Institution ID: 1790987

Michael Kinsch


845-895-2051 ext. 460
Cell: 845-392-4583
NMLS # #768988

NMLS Institution ID: 1790987

Ready To Get Started?

You can apply for a mortgage right now.