Meet Our Mortgage Loan Officers

Think of our Mortgage Loan Officers as your personal guide on your journey to home ownership.

When it comes to buying a home, deciding who will finance your mortgage is an important decision. Selecting a mortgage lender should be based on more than just the lowest rate. You want a lender who’s a good fit— the right match for you as a borrower. Mortgage lending should be a collaborative process between you and your lender.

Our Mortgage Loan Officers are here to help make the loan process as smooth as possible for you, and can help you:

  • Determine the best mortgage for your needs, that also fits within your budget
  • Complete your application, whether online, over the phone, or in person
  • Gather the required documentation to process your application
  • Lock in your rate and fees once you find the home you want to purchase


If you are already working with a loan officer, please select that individual from the list below and apply through their personalized web page. If you are not working with a loan officer at this time, please select the one assigned to the branch most convenient for you.

Paola Aguilar

Paola Aguilar

Branches: Chester
Middletown & Montgomery

Phone: 845.464.4089
Fax: 845.240.7193
Email: aguip@hvcu.org

NMLS ID: 500218

HVCU NMLS ID: 411348

Kathy Benz

Kathy Benz, 
Residential Lending Manager

Orange & Rockland 
Counties

Phone: 845.303.4693
Fax: 845.240.7193
Email: benzk@hvcu.org

NMLS ID: 566004

HVCU NMLS ID: 411348

Apply Online

Matthew Eugenio

Matthew Eugenio 

Branches: Hyde Park, Pleasant Valley & Rhinebeck

Phone: 845.329.5471
Fax: 845.240.7193
Email: eugem@hvcu.org

NMLS ID: 1044321

HVCU NMLS ID: 411348

Tom Henry

Tom Henry

Branches: LaGrangePoughkeepsie
& Wappingers Falls

Phone: 845.235.5810
Fax: 845.240.7193
Email: henrt@hvcu.org

NMLS ID: 423366

HVCU NMLS ID: 411348

Apply Online

Marjorie McCoy

Marjorie McCoy

Branches: BeaconBrewster 
& Cortlandt Manor

Phone: 845.420.0477
Fax: 845.240.7193
Email: mccom@hvcu.org

NMLS ID: 1259264

HVCU NMLS ID: 411348

Apply Online

Ricardo Pimentel

Ricardo Pimentel

Branches: Highland
New Windsor & Kingston

Phone: 845.489.0157
Fax: 845.240.7193
Email: pimer@hvcu.org

NMLS ID: 2053981

HVCU NMLS ID: 411348

Apply Online

Claudia Ramos-ONeil

Claudia Ramos-O'Neill

Branches: Arlington, Hopewell Junction & Newburgh

Phone: 845.242.8974
Fax: 845.240.7193
Email: ramoc@hvcu.org

NMLS ID: 1707698

HVCU NMLS ID: 411348

Apply Online

James Ryan

James Ryan

Branches: CarmelFishkill
& Mahopac 

Phone: 845.380.6750
Fax: 845.240.7193
Email: ryanj@hvcu.org

NMLS ID: 1638070

HVCU NMLS ID: 411348

Apply Online

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 decision making

Explore Further

  • Homebuyer Guide
  • Mortgage Calculators
  • Mortgage Accelerator Program (MAP)

We Are Here To Help

Important Legal Disclosures & Information


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.