a red house attached to a key

Personal Lending

Mortgages and Home Loans

Our residential mortgage team will help you apply for and quickly process a home loan that fits your needs. Whether for your primary residence or the perfect vacation home, when you choose Catskill Hudson Bank for your residential mortgage, you will encounter an unmatched client experience.

Fixed Rate Mortgage Options

Very common choice these days! The rate is fixed for the entire repayment term of the mortgage. The repayment term can be as short as 10 years or as long as 30 years. It's up to you. There is no penalty for early repayment.

Adjustable Rate Mortgage (ARM) Options

May be right for you if you plan to stay in your home for a short period of time. The initial rate is fixed for five, seven or ten years. Thereafter, rate and monthly payment can adjust up or down annually depending on market conditions. 

Home Equity Line of Credit (HELOC)

A HELOC provides for ongoing access to your loan money. Similar to a credit card, a line of credit allows you to access loan funds during  your "draw period". The draw period for this HELOC is 10 years. During this time, required minimum monthly payments are interest only, based on your outstanding balance. When the draw period expires the "repayment period" begins. Your outstanding loan balance will be amortized over 15 years and monthly principal and interest payments will be required.
Residential Mortgage Servicing
2511 Route 9
Malta, New York 12020
Billing Questions and Inquiries: 1-888-209-2265
Catskill Hudson Bank utilizes third-party providers and will remain responsible for all actions taken by the third-party provider.

Catskill Hudson Bank is a registered loan servicer with the NYS Department of Financial Services ("NYSDFS") Therefore, if you encounter a problem with your loan servicing, that we are unable to resolve, you are able to file a complaint with the NYSDFS. If you would like further information, or assistance with filing a complaint, please call NYSDFS's Consumer Assistance Unit 1-800-342-3736 or visit their website at www.dfs.ny.gov .