My First Home Made Simple

There is nothing like owning your first home!

Our My First Home Made Simple payment options could get you moving in the right directions towards owning your first home. With more options and credit flexibilities than ever before, we can help first time homebuyers with low-to-moderate income achieve their dream of homeownership.

Who is My First Home Made Simple made for:

  • First time homebuyers
  • Low-to-moderate income borrowers in Ulster, Orange, and Dutchess counties

3 first time homebuyer programs we offer:

Wallkill Valley Federal Savings & Loan

WVFSL First Time Homebuyer

  • Receive $1,000 towards closing costs
  • Reduced interest rate
  • Down payment as little as 3%
freddie mac home possible logo

Freddie Mac Home Possible®

  • Down payment as little as 3%
  • No minimum credit score required (subject to FHLMC investor guidelines)
Homebuyer dream program

FHLB Homebuyer Dream Program

  • Suitable for 1-4 family dwellings owner occupied
  • Receive up to $19,500 towards the down payment and closing costs, and $500 towards homeowner counseling costs. Funds are available on a first come, first served basis and are available for a limited time.
  • Homebuyers must complete Homeownership Counseling Program
  • Must meet household income limits
  • Borrowers need only contribute a minimum of $1,000 towards the purchase transaction

This is not an offer for an extension of credit or a commitment to lend and is subject to change without notice.
Property must be in Ulster, Orange, or Dutchess county. This offer may be withdrawn without notice at any time.

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.