Lock it later program


With our Lock It Later Program, we will contribute $2,000.00 towards the refinance of your
Wallkill Valley Federal Savings and Loan Adjustable-Rate mortgage to a Fixed-Rate mortgage. 


Here are the eligibility requirements:

  • You must have financed the purchase or refinance of your primary residence after 08/01/23 with one of our adjustable-rate mortgage programs.
  • You can refinance with us at any time after 11/01/23 between 3 months and 36 months after your closing date.
  • Subject to borrower and property meeting all underwriting guidelines at the time of the refinance.

The lender reserves the right to cancel this offer at any time.
Offer is not valid in conjunction with other offers. 

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.