Top 3 Mortgage Lenders in Philmont

Hudson Valley Credit Union stands out as one of the most trusted mortgage lenders serving the Philmont area, with deep roots in Columbia County and the broader Hudson Valley region. As a not-for-profit financial cooperative, HVCU offers highly competitive rates and personalized service through their local branch network. Their mortgage specialists provide comprehensive guidance through the entire home buying process, with particular expertise in first-time homebuyer programs and government-backed loans. The credit union's community-focused approach and extensive local knowledge make them a top choice for Philmont residents seeking reliable mortgage financing with exceptional customer service.

Trustco Bank has been serving the Capital Region and Hudson Valley communities for over a century, establishing itself as a reliable local mortgage lender with a strong presence in Columbia County. Their experienced loan officers provide personalized mortgage solutions with competitive rates and flexible terms. Trustco excels in offering a wide range of loan products tailored to meet diverse borrower needs, from first-time homebuyers to investment property financing. The bank's local decision-making process and commitment to community banking principles ensure responsive service and thorough guidance throughout the mortgage application and closing process for Philmont area homebuyers.

Tom Baird of Guaranteed Rate brings exceptional mortgage expertise to the Philmont area, combining national lending resources with local market knowledge. As a top-producing loan officer serving Columbia County and the Hudson Valley, he offers access to competitive rates through Guaranteed Rate's extensive product portfolio while providing personalized, hands-on service. Specializing in both purchase and refinance transactions, Tom has built a reputation for transparent communication, efficient processing, and creative problem-solving for complex financing scenarios. His deep understanding of the local real estate market and commitment to client education make him a preferred choice for Philmont homebuyers seeking a sophisticated mortgage experience with local personal attention.