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
Branches: Chatham, Chester,
Middletown & Montgomery
Phone: 845.464.4089
Fax: 845.240.7193
Email: aguip@hvcu.org
NMLS ID: 500218
HVCU NMLS ID: 411348
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
Branches: Colonie, 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
Branches: Guilderland, LaGrange, Poughkeepsie
& 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
Branches: Beacon, Brewster
Cortlandt Manor, & Halfmoon
Phone: 845.420.0477
Fax: 845.240.7193
Email: mccom@hvcu.org
NMLS ID: 1259264
HVCU NMLS ID: 411348
| Apply Online |
Ricardo Pimentel
Branches: Highland, Hudson
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-O'Neill
Branches: Arlington, Hopewell Junction, Malta, & Newburgh
Phone: 845.242.8974
Fax: 845.240.7193
Email: ramoc@hvcu.org
NMLS ID: 1707698
HVCU NMLS ID: 411348
| Apply Online |
James Ryan
Branches: Carmel, Fishkill,
Mahopac, Niskayuna, & Rotterdam
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
- Mortgage Calculators
- Mortgage Accelerator Program (MAP)
Mortgage Accelerator Program (MAP)
Our Mortgage Accelerator Program is a free service for fixed rate mortgages that offers a payment structure similar to a bi-weekly payment option. You can start or discontinue the program at will without the need or expense of refinancing your mortgage. To take advantage of MAP, please complete and return our MAP AutoPay form.
How MAP Works
Every two weeks, one half of your regularly scheduled mortgage payment is automatically deducted from your HVFCU checking or savings account and deposited into a specially marked savings account (your Mortgage Accelerator Program account).
On the first of each month your payment is “swept” from your MAP account and applied to your mortgage payment.
After your mortgage payment is paid, additional funds and dividends are applied to your outstanding principal balance. In essence, twice per year your principal is reduced by one half payment.
You can also choose to increase your payments for additional interest savings on your mortgage. Deposits can be made to your MAP account at any time.
- Home Insurance
- Personal Umbrella Insurance
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 www.dfs.gov.
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.