D.L. HAWKINS
&
ASSOCIATES |
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| Buy
>Tool
for Buying > Financing Information |
| Financing Information |
We provide a weekly update of
all the local banks finance rates. In addition, we provide
all their contact information for your convenience.
These rates are the most recent rates available
at the time of publication. If you would like to know
rates more current than this chart, please contact the
lenders directly.
Open the Mortgage
Calculator
|
American Homestead
Mortgage
|
845-562-6800
ext. |
| Term |
Rate |
Pts. |
dn |
fees |
APR |
| 30-yr fixed |
6.0 |
0 |
5% |
$425 |
6.05 |
| 15-yr fixed |
5.625 |
0 |
5% |
$425 |
5.70 |
| 30-yr fixed Jumbo |
6.25 |
0 |
5% |
$425 |
6.29 |
| 1 Close Construction |
6.75 |
0 |
5% |
$550 |
N/A |
| Comments |
No appraisal fees. VA appr.
"10 Years Hudson Valley Location" Loans
in 20 minutes over phone. |
|
Citizen's Home Loans
http://www.citizensbank.com/ |
845-897-8391
ext. |
| Term |
Rate |
Pts. |
dn |
fees |
APR |
| 30-yr fixed |
NA |
0 |
5% |
NA |
NA |
| 15-yr fixed |
NA |
0.0 |
5% |
NA |
NA |
| 30-yr Jumbo |
NA |
0.00 |
5% |
NA |
NA |
| 15-yr Jumbo |
NA |
0.00 |
5% |
NA |
NA |
| 3/1ARM |
NA |
0.00 |
5% |
NA |
NA |
| 5/1 ARM |
NA |
0.00 |
5% |
NA |
NA |
| Comments |
kbenz@charterone.com |
|
Community Bank of
Orange, NA
http://www.cbobank.com/ |
845-695-7400
ext. |
| Term |
Rate |
Pts. |
dn |
fees |
APR |
| Conforming 30-yr fixed |
6.375 |
1.00 |
5% |
$435 |
6.476 |
| Conforming 15-yr fixed |
6.125 |
1.00 |
5% |
$435 |
6.290 |
| Non-Conf 30-yr fixed |
6.30 |
1.00 |
5% |
$435 |
6.599 |
| Non-Conf 15-yr fixed |
6.25 |
1.00 |
5% |
$435 |
6.412 |
| Comments |
http://www.cbobank.com Competitive
Rates, Personalized Services |
|
Countrywide Home Loans
|
845-567-3300
ext. |
| Term |
Rate |
Pts. |
dn |
fees |
APR |
| 30-yr fixed |
Call |
0.00 |
0% |
$425 |
Call |
| 15-yr fixed |
Call |
0.00 |
0% |
$425 |
Call |
| 30-yr Jumbo |
Call |
0.00 |
0% |
$425 |
Call |
| 30-yr FHA |
Call |
0.00 |
0% |
$425 |
Call |
| Comments |
Call for our Rates. Union Members,
NYPD & FDNY call us and ask about AFLCIO/UNION
Discounts |
|
ditech.com
http://www.ditech.com/ |
800-616-8208
ext. |
| Term |
Rate |
Pts. |
dn |
fees |
APR |
| 30 Yr Fixed Conforming |
5.250 |
2.0 |
20% |
Call |
5.550 |
| 15 Yr Fixed Conforming |
4.750 |
2.0 |
20% |
Call |
5.256 |
| 30 Yr Fixed Jumbo |
5.500 |
2.0 |
20% |
Call |
5.747 |
| 15 Yr Fixed Jumbo |
5.125 |
2.0 |
20% |
Call |
5.541 |
| 5/1 ARM |
5.250 |
0.00 |
20% |
Call |
5.365 |
| Comments |
Se habla Espanol. Your mortgage
solution. Delivered! Apply now at ditech.com
|
|
First Horizon Home
Loans
http://www.firsthorizonusa.com/sylviabittles |
914-805-0824
ext. |
| Term |
Rate |
Pts. |
dn |
fees |
APR |
| 30-yr fixed |
5.875 |
0 |
5% |
$350 |
5.96 |
| VA 30 yr fixed |
5.75 |
0 |
|
$350 |
5.91 |
| Interest Only Programs |
Call |
0 |
5% |
$350 |
Call |
| SONYMA-30 yr fixed |
4.75 |
0 |
3% |
$550 |
4.81 |
| Comments |
Problem Credit Programs Available.
Call Today!!. |
|
Highland
Falls Fed. S&L Assoc.
|
845-446-4711
ext. |
| Term |
Rate |
Pts. |
dn |
fees |
APR |
| 10-yr fixed |
5.25 |
0.00 |
10% |
$375 |
5.35 |
| 15-yr fixed |
5.50 |
0.00 |
10% |
$375 |
5.57 |
| Comments |
CONSTRUCTION
LOANS AVAILABLE. |
|
HSBC Mortgage Corp.
(USA)
http://www.us.hsbc.com/ |
800-537-8705
ext. |
| Term |
Rate |
Pts. |
dn |
fees |
APR |
| 30-yr fixed |
5.625 |
0.00 |
5% |
$300 |
5.689 |
| 15-yr fixed |
5.375 |
0.00 |
5% |
$300 |
5.483 |
| Community Works |
5.250 |
0.00 |
3% |
$300 |
6.163 |
| 30-yr FHA |
5.500 |
0.00 |
3% |
$300 |
5.689 |
| Comments |
Now available! Home Equity lines
of Credit.The smart way to make those home
improvements and more. us.hsbc.com |
|
Hudson Heritage
FCU
http://www.hhfcu.org/ |
845-561-5607
ext. |
| Term |
Rate |
Pts. |
dn |
fees |
APR |
| 30-yr fixed |
5.875% |
0.00 |
5% |
$350 |
5.913% |
| 5/1 ARM |
5.000% |
0.00 |
5% |
$350 |
5.712% |
| 3/1 ARM |
4.875% |
0.00 |
5% |
$350 |
5.830 |
| Home Equity Line |
5.75 |
0.00 |
|
|
5.75 |
| Comments |
Jumbo\\\'s add 0.25% to rates.
www.hhfcu.org |
|
Hudson Valley FCU
http://www.hvfcu.org/ |
800-468-3011
ext. |
| Term |
Rate |
Pts. |
dn |
fees |
APR |
| 30-yr Fixed Conf. |
5.875 |
0.00 |
5% |
$0 |
5.88 |
| 15-yr Fixed Conf. |
5.375 |
0.00 |
5% |
$0 |
5.38 |
| 30-yr Jumbo |
6.00 |
0.00 |
5% |
$0 |
6.00 |
| 5/1 30-yr |
4.625 |
0.00 |
5% |
$0 |
5.55 |
| Construction Loan |
5.00 |
0.00 |
5% |
$0 |
5.09 |
| Home Equity LOC |
5.00 |
0.00 |
20% |
$0 |
5.00 |
| Comments |
APR assumes 20% down payment
with no mortgage insurance requirement.hvfcu.org
|
|
M & T Mortgage
Corp.
|
845-440-2851
ext. |
| Term |
Rate |
Pts. |
dn |
fees |
APR |
| 30-yr Fixed |
5.50 |
1.00 |
|
$450 |
5.71 |
| 5/1 ARM |
5.00 |
0.00 |
|
$450 |
5.72 |
| SONYMA |
5.25 |
0.00 |
3% |
$450 |
5.40 |
| 15-yr Fixed |
5.00 |
1.00 |
|
$450 |
5.37 |
| 30-yr Fixed Conf |
5.50 |
1 |
|
|
5.71 |
| 15-yr Fixed Conf |
5.00 |
1 |
|
|
5.37 |
| Comments |
VA, FHA, SONYMA, ConstructionLoans
and less than perfect credit. |
|
Mid Hudson Valley
Federal Credit Union
http://www.mhvfcu.com/ |
800-451-8373
ext. 5002 |
| Term |
Rate |
Pts. |
dn |
fees |
APR |
| 30-yr. Fixed Conf. |
5.75 |
0.00 |
|
|
5.752 |
| 15-yr Fixed Conf. |
5.375 |
0 |
|
|
5.378 |
| 3/1 ARM |
4.50 |
0 |
|
|
5.910 |
| Comments |
Contact Maggie Ebeling @ Ext
5002 , MORTGAGECENTER@MHVFCU.COM |
|
Orange County Trust
Co.
http://www.orangecountytrust.com/ |
845-341-5000
ext. |
| Term |
Rate |
Pts. |
dn |
fees |
APR |
| 10-yr |
5.02 |
0.00 |
15% |
$375 |
5.03 |
| 15-yr |
5.17 |
0.00 |
15% |
$375 |
5.18 |
| 20-yr |
5.72 |
0.00 |
15% |
$375 |
5.73 |
| Comments |
For more info on our residential
loan products call Jeanne at 341-5022. |
|
Price Financial Services
http://www.pricefs.com/ |
800-401-9091
ext. |
| Term |
Rate |
Pts. |
dn |
fees |
APR |
| 30-yr Fixed Conforming |
5.25 |
0.00 |
|
|
5.28 |
| 15-yr Fixed Conforming |
4.75 |
0.00 |
|
|
4.78 |
| 30-yr Jumbo Non-Conf |
5.625 |
0.00 |
|
|
5.68 |
| 5/1 ARM |
1.75 |
0.00 |
|
|
4.61 |
| 1-yr ARM |
1.00 |
0.00 |
10% |
$300 |
4.33 |
| Comments |
Bad credit? We have solutions!
Debt consolidations@low rates. 100% purchase
loans. No cost refi's. Visit pricefs.com
|
|
Progressive Mortgage
Corp
|
845-226-3534
ext. |
| Term |
Rate |
Pts. |
dn |
fees |
APR |
| 15-yr fixed |
4.75 |
2 |
20% |
$450 |
5.26 |
| 30-yr fixed |
5.00 |
2 |
20% |
$450 |
5.30 |
| 3/1 ARM |
3.375 |
2 |
20% |
$450 |
5.53 |
| 5/1 ARM |
3.875 |
2 |
20% |
$450 |
5.42 |
| 10/1 ARM |
4.625 |
1 |
20% |
$450 |
5.29 |
| 30-yr Jumbo |
5.125 |
2 |
20% |
$450 |
5.36 |
| Comments |
All Credit Options Available.
Ask us about our 0 point loans. Licensed
NYS Mortgage Banker |
|
Provident Bank
http://www.providentbanking.com/ |
845-369-8040
ext. |
| Term |
Rate |
Pts. |
dn |
fees |
APR |
| 30-yr Fixed Conf. |
5.500 |
0.00 |
20% |
$390 |
5.577 |
| 15-yr Fixed Conf. |
5.000 |
0.00 |
20% |
$390 |
5.126 |
| 30-yr Jumbo |
5.750 |
0.00 |
20% |
$590 |
5.827 |
| 5/1 ARM |
5.000 |
0.00 |
20% |
$390 |
5.644 |
| Comments |
$250 off closing cost with adv.
www.providentbanking.com |
|
Rochester Home Equity
|
800-797-999
ext. |
| Term |
Rate |
Pts. |
dn |
fees |
APR |
| 30-yr Fixed Conf. |
5.25 |
0.00 |
|
|
5.26 |
| 15-yr Fixed Conf. |
4.875 |
0.00 |
|
|
4.89 |
| 30-yr Jumbo Non-Conf. |
5.50 |
0.00 |
|
|
5.51 |
| 5/1 ARM |
5.00 |
0.00 |
|
|
5.01 |
| Comments |
Competitive Closing Costs and
Approval Within 24 hours. |
|
State Farm Bank
http://www.statefarm.com/ |
877-734-2265
ext. |
| Term |
Rate |
Pts. |
dn |
fees |
APR |
| 30-yr Fixed |
6.000 |
0.00 |
20% |
Call |
6.195 |
| 15-yr Fixed |
5.750 |
0.00 |
20% |
Call |
6.072 |
| 1-yr ARM |
4.750 |
0.00 |
20% |
Call |
6.190 |
| 30-yr FRM Jumbo |
6.125 |
0.00 |
20% |
Call |
6.206 |
| Comments |
Please contact your participating
State Farm Agent, 877-SF4-BANK or statefarm.com.
Good Neighbor Service from a company you
know and trust. |
|
Superior Mortgage,
Co.
|
800-724-8303
ext. |
| Term |
Rate |
Pts. |
dn |
fees |
APR |
| 30-yr Conf. |
5.25 |
1 |
3% |
$0.00 |
5.25 |
| 15-yr Conf. |
5.0 |
1 |
3% |
$0.00 |
5.0 |
| 30-yr Jumbo |
5.625 |
1 |
5% |
$0.00 |
5.625 |
| 1-yr Interest Only |
1.00 |
0.00 |
5% |
$0.00 |
1.000 |
| Comments |
Impress your realtor, Comittment
in 5 minutes from application. |
|
The Berkshire Bank
http://www.berkbank.com/ |
845-294-6151
ext. |
| Term |
Rate |
Pts. |
dn |
fees |
APR |
| 15-yr fixed |
5.25 |
0.00 |
20% |
$445 |
5.422 |
| 15-yr fixed |
5.00 |
1.00 |
20% |
$445 |
5.326 |
| 30-yr fixed |
5.750 |
0.00 |
20% |
$445 |
5.854 |
| 30-yr fixed |
5.500 |
1.00 |
20% |
$445 |
5.695 |
|
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| Comments |
http://www.berkbank.com |
|
Ulster Savings Bank
http://www.ulstersavings.com/ |
845-294-7922
ext. |
| Term |
Rate |
Pts. |
dn |
fees |
APR |
| 15-yr Fixed |
4.750 |
1.750 |
5% |
Please Call |
5.121 |
| 30-yr Fixed |
5.250 |
2.000 |
5% |
Please Call |
5.494 |
| SONYMA |
5.250 |
0 |
|
Please Call |
5.250 |
| Comments |
*Points include discount and/or
origination fees. Interest only programs
available. '=Fees(Application+Appraisal+
Credit+ Processing) |
|
Walden Federal Savings
& Loan Assoc.
http://www.waldenfederal.com/ |
800-249-3832
ext. |
| Term |
Rate |
Pts. |
dn |
fees |
APR |
| 30-yr Fixed SOMYMA |
4.75 |
0 |
3% |
$420 |
4.77 |
| Fixed Construction |
4.50 |
1 |
10% |
$420 |
7.93 |
| 5/1 Jumbo ARM |
5.25 |
0 |
5% |
$420 |
5.82 |
| Comments |
FREE first time homebuyer workshop
6/8/05!!! Call for reservations. |
|
Walden
Savings Bank
http://www.waldensavingsbank.com/ |
845-457-7700
ext. 250 |
| Term |
Rate |
Pts. |
dn |
fees |
APR |
| 1-yr ARM |
4.500 |
0.00 |
5% |
$350 |
5.9795 |
| 3/1 ARM |
4.875 |
0.00 |
5% |
$350 |
5.8150 |
| 7/1 ARM |
5.500 |
0.00 |
5% |
$350 |
5.8099 |
| 5/1ARM |
5.250 |
0.00 |
5% |
$350 |
5.7879 |
| 15-yr Fixed |
5.500 |
0.00 |
5% |
$350 |
5.4999 |
| 30-yr Fixed Conf. |
6.000 |
0.00 |
5% |
$350 |
6.0000 |
| Comments |
Construction
Mortgages available for all ARM products
with only ONE closing. |
|
Wallkill
Valley S&L Assoc.
|
845-895-2051
ext. |
| Term |
Rate |
Pts. |
dn |
fees |
APR |
| 30-yr 5/1 ARM |
5.50 |
0 |
10% |
$225 |
5.88 |
| 30-yr 1 Yr ARM |
4.75 |
0 |
10% |
$225 |
4.75 |
| 15-yr Fixed |
5.50 |
0 |
10% |
$225 |
5.50 |
| Comments |
Construction
financing for those acting as their own
general contractor.roverfield@wallkill.com
|
|
Washington Mutual
Home Loans
|
800-223-2219
ext. |
| Term |
Rate |
Pts. |
dn |
fees |
APR |
| Comments |
Local Office! Call to ask about
our option ARM!! Purchases, Refinances,
Land Loans, Special Rates for Teachers.
FHA & VA Loans! Equal Housing Lender!
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| © 2006 Greater
Hudson Valley Multiple Listing Service. All rights reserved. |
DL Hawkins & Associates participates in GHVMLS’s REDXsm program, allowing
us to display other broker’s listings on our site.
 However,
DL Hawkins & Associates displays only listings in Orange, Sullivan, Ulster
county, New York. DL Hawkins & Associates does not always display the
entire REDXsm database on this web site.
This data is updated daily. Some properties which appear for sale on this web
site may subsequently have sold and may no longer be available.
For the most current information, contact DL Hawkins & Associates,
845-294-5111, info@dlhawkinsrealestate.com
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2006 NATIONAL ASSOCIATION OF REALTORS and DL Hawkins, Inc. |
All rights reserved. 
Equal Housing Opportunity |
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