Whether you're looking to purchase a new home or refinance an existing property, we have flexible options for every budget. 

Feel Right at Home

With a mortgage from HVCU.

Buying a Home and Want a Lower Rate?

An adjustable rate mortgage could be a good fit for you.

Affordable Home Financing

If you are looking to purchase a home, or refinance your existing mortgage, you can be sure that the credit union is here to help you every step of the way. Like the thousands of homeowners that have financed a mortgage with Hudson Valley Credit Union, you can feel confident knowing you will receive personalized, one-on-one service that is unmatched by other national (and local) lenders. Financing is available for homes in New York, Connecticut, and Pennsylvania.

Not Ready to Apply Yet? Our Mortgage Loan Officers are Here to Help You on Your Journey.

Mortgage Savings Account

Becoming a homeowner is an exciting milestone, and one that we want to help you achieve with our special Mortgage Savings Account. By saving as little as $100 a month, you can earn up to $1,000 towards your closing costs when you finance your mortgage with HVCU.

Earn $1 for every $5 deposited. Earn up to $1,000towards closing costs. Account must be open for ten months.

$100 minimum opening deposit, with a $100 monthly deposit requirement.
Paper money folded to look like a house

Homebuyer Dream Program®

The Homebuyer Dream Program®2 is a grant program offered to eligible first time homebuyers that provides up to $20,000 on a first come first serve basis. Grant money can be used to pay up to $19,500 towards down payment and closing costs and $500 as credit towards an approved homeowner counseling program. This grant program is through the Federal Home Loan Bank of New York (FHLBNY).
Young couple lying on the floor of their new home

Refinancing Your Mortgage Could Help You Consolidate Debt or Reduce Your Term

Additional Resources

  • Appraisal Disclosure
  • Mortgage Accelerator Program (MAP)
  • Home Insurance
  • Servicemembers Civil Relief Act (SCRA)

What to Expect with an HVCU Mortgage

  • Low mortgage rates
  • Low down payment options
  • Free pre-approvals
  • Fast turnaround
  • Low closing costs
  • No mortgage pre-payment/payoff penalties
  • In-house account servicing
  • Local decisioning

Learning Center

Schedule of Mortgage Servicing Fees

Each county charges a satisfaction fee when you pay your mortgage in full and this fee will be passed on to you. Satisfaction fees range from $60.50 to $750.00 depending on the county in which the property is located. Your actual satisfaction fee will be determined at the time of the payoff and the property location.

What Your Neighbors Are Saying

  • Image of couple speaking with a loan officer
    HVCU Member
    3 Years
    The team was experienced, knowledgeable, and respectful throughout the process. Overall great team.

    Rating star-5 out of 5 stars.
  • Image of Woman hugging husband from behind
    HVCU Member
    40 Years
    The whole HVCU staff was personable and easy to work with. Never had any problems and everything was done in a timely manner. I couldn’t have asked for anything more.

    Rating star-5 out of 5 stars.
  • Image of couple sitting with a loan officer
    HVCU Member
    3 Years
    The service was outstanding as were the rates. I had excellent communication from the mortgage team throughout the process, clear instructions and quick follow-up. I intend to move my accounts to HVCU due to the competence of my contacts.

    Rating star-5 out of 5 stars.
  • Image of couple working with loan officer
    HVCU Member
    15 Years
    Loan officer and other CU staff were very helpful. They answered our questions, explained options, and provided good guidance. Very professional.

    Rating star-5 out of 5 stars.
  • Image of couple talking on the phone
    HVCU Member
    20 Years
    Everyone was very quick in responding, easy to communicate with, and overall a pleasant and easy experience.

    Rating star-5 out of 5 stars.

We Are Here To Help

Important Legal Disclosures & Information

For complaints and inquiries concerning your mortgage or home equity, please share your experience with us. You may also contact the New York State Department of Financial Services Consumer Assistance Unit at 800.342.3736 or by visiting the Department's website at

The tools and calculators on the HVCU website are provided for educational and illustrative purposes only. The accuracy of the calculations and their applicability to your financial circumstances are not guaranteed. HVCU does not provide tax, legal, accounting, financial, investment or other professional advice. The tools and calculators should not be used as a substitute for tax, legal, accounting, financial, investment or other professional advice. Your use of the tools or calculators does not assure the availability of, or your eligibility for, any specific product offered by HVCU or its affiliates. The terms and conditions of specific products may differ and affect the results obtained by using these tools and calculators. All financing is subject to credit approval. The default figures, amounts and information shown in the tools and calculators are hypothetical and may not be applicable to you. Please consult with qualified professionals to discuss your particular situation.

1APY=Annual Percentage Yield. The APY is 0.02%, effective as of 5/30/24, and is subject to change without notice. Account holder(s) is eligible to receive a lender credit of $1 for every $5 deposited up to a maximum of $1,000 toward closing costs when obtaining a mortgage loan through HVCU. Eligibility requires a separate Primary Savings membership account with a $0.01 minimum balance, a minimum opening deposit of $100, monthly deposits of $100 for a minimum of 10 months, and obtaining approval to close on an HVCU mortgage within 36 months of account opening. The lender credit is limited to one credit per mortgage and borrower may only receive the credit once. Withdrawal requests require the closing of the Mortgage Savings account. The Mortgage Savings account will automatically close and the balance will transfer to the member’s existing Primary Savings account. The closure will occur at the quarterly dividend posting following 36 months and the anniversary date of the original account opening. Lender credit amount is determined when a completed mortgage application is submitted and may be subject to change based on available mortgage programs.

 2Registration in the Homebuyer Dream Program does not guarantee approval of any mortgage through Hudson Valley Credit Union.