At Ulster Savings, we’ve built a strong reputation as an outstanding mortgage provider, serving the lending needs of home buyers. Chartered April 12, 1851, our bank has a long-standing commitment to the communities we serve and remains a locally focused bank.

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Loan Programs

Take the first step to homeownership with a pre-qualification. Before you find the right home, you need to find the right mortgage. Being pre-qualified by an expert mortgage lender that lets you know how much buying power you have. Knowing your buying power will give you the knowledge needed when you start looking for that perfect home. If you are in the market for a new home, call Ulster Savings Bank first.. Our mortgage team, from our mortgage specialists to our processors, underwriters and loan servicing group, all strive to make owning your home the dream it was meant to be!

Loan Programs
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Construction Loans

Maybe you've started to think about building a new home. Perhaps you have already purchased land and hired a contractor.  Or you may have found a place that's already under construction.

No matter where you are in the process, it's important to develop a sound financing plan.

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Home Equity Loans

Whether you're looking to do home improvements, pay for a child's education or consolidate debt, a Home Equity Loan may be the solution for you!  If you've built up enough equity in your home, a Home Equity Loan may allow you to pay off these, and other, major expenses.

Home Equity Loans
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First Time Homebuyer

Ulster Savings Bank’s First Home Club is an educational savings program in conjunction with the Federal Home Loan Bank of NY that can help you secure the funds you need for the down payment and closing costs on your first home.

First Time Homebuyer
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Homebuying Seminars

We conduct homebuyer seminars throughout the year to further educate area residents on the homebuying process. Participants gain valuable knowledge and increased confidence. We offer a $750 homebuyer credit  to those that attend one of our homebuying seminars..

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Mortgage Specialists

Our staff offers their lending expertise - for purchase, refinance, home equity and construction lending - to all of our residential mortgage customers. Our  long-standing relationship with local builders and real estate professionals makes the lending process smoother for our customers.

Financial Education

First Time Homebuyers

Here's a great video that explains how our Mortgage Specialists help first-time homebuyers get pre-qualified and on the path to homeownership!

Mortgage Specialists
Family in new home
Financial Education

Homebuying Guide

This will very likely be the single largest purchase of your life, so we want to be sure you’re fully prepared to make the right decisions.

Download Guide
Financial Education

Home Education Module

Learn about Mortgage features and costs, different types of mortgages, applying for a mortgage, and special financing products and programs.

Buying a Home
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