The Best Mortgage Lenders in Hurleyville, NY
Compare verified mortgage lenders serving Hurleyville, New York. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Hurleyville
Featured Mortgage Lenders
Michael Shust
Catskill Hudson Bank
Catskill Hudson Bank is a premier community bank deeply rooted in Sullivan County with exceptional local expertise. As one of the highest-rated mortgage lenders in the region, they offer personalized service and deep understanding of the Hurleyville market. Their mortgage team provides competitive rates with flexible underwriting, specializing in both primary residences and vacation properties common to the Catskills region. With over two decades of local lending experience, they're known for their responsive communication and commitment to closing loans efficiently.
Loan Types:
Tompkins Community Bank Mortgage Department
Tompkins Community Bank
Tompkins Community Bank (formerly First Federal Savings of Middletown) has been serving the Sullivan County area for generations with exceptional mortgage services. They consistently receive high marks for their competitive rates, local decision-making authority, and comprehensive home loan programs. Their experienced loan officers specialize in helping buyers navigate the unique aspects of Catskills real estate, including rural properties and seasonal homes. The bank is particularly noted for their first-time homebuyer programs and personalized guidance throughout the entire mortgage process.
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Trustco Bank Mortgage Center
Trustco Bank
Trustco Bank has been a trusted mortgage lender in the Hudson Valley region for over a century, with strong presence throughout Sullivan and Orange Counties. While based in Middletown, they actively serve the Hurleyville area with competitive mortgage products and local underwriting expertise. They're particularly respected for their straightforward application process, reliable rate locks, and commitment to closing on time. Trustco offers a wide range of mortgage options with the stability of a well-established community-focused bank that understands the local real estate market dynamics.
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Frequently Asked Questions
Common questions about mortgage lending in Hurleyville, NY
Are there any special mortgage or down payment assistance programs for first-time homebuyers in Hurleyville, NY?
Yes, Hurleyville homebuyers can access New York State's SONYMA (State of New York Mortgage Agency) programs, which offer low interest rates and down payment assistance. Additionally, Sullivan County, where Hurleyville is located, may have local grants or programs, especially for revitalization in its hamlets. It's advisable to work with a local lender familiar with these state and county-specific opportunities.
How do property taxes in Hurleyville impact my mortgage affordability?
Sullivan County property taxes are a significant factor in Hurleyville. While tax rates can be lower than in downstate suburbs, they are still a substantial part of your monthly payment. Your lender will calculate your debt-to-income ratio including these taxes, so it's crucial to get an accurate estimate from the Town of Fallsburg tax assessor to understand your true monthly obligation.
What are typical mortgage rates and lender options for a home in a small hamlet like Hurleyville?
Mortgage rates in Hurleyville align with national and regional averages, but your specific rate will depend on credit and loan type. While major banks operate in Sullivan County, you may also find competitive terms from local credit unions (like Hudson Valley Credit Union) and community banks that have a strong understanding of the local Catskills market and property types common in Hurleyville.
Are there specific appraisal considerations for homes in Hurleyville I should be aware of?
Yes, appraisals in Hurleyville can be nuanced due to the mix of historic homes, newer constructions, and unique rural or semi-rural properties. Appraisers must find good comparable sales ("comps") in a smaller market, which can sometimes be a challenge. Using a lender with local experience ensures they work with appraisers familiar with the Sullivan County market to avoid valuation delays.
Does Hurleyville's location in a flood zone or its rural nature affect the mortgage process?
Properties near the Willowemoc Creek or in low-lying areas may require a flood elevation certificate and mandatory flood insurance, which your lender will factor into the loan. For more rural parcels, well and septic tests are typically required for loan approval to ensure the water and wastewater systems meet health standards, adding a step to the closing process.
Nearby Cities
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Why Choose a Mortgage Lender in Hurleyville?
Local Market Knowledge
Lenders who understand Hurleyville's housing market can offer better guidance and competitive rates.
Multiple Loan Options
Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.
Proven Track Record
Work with lenders who have years of experience and hundreds of satisfied customers in New York.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Hurleyville and get competitive rates on your home loan.