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MORTGAGE

A Residential Mortgage is a loan secured by real property through the use of a mortgage.

  • Property must be a 1 to 4 family dwelling
  • Minimum Loan Amount $25,000
  • Fixed Rate and Adjustable Rate* Programs Available
  • Prequalification for purchase transactions available

*Reach out to our Mortgage Specialists for our ARM rates. Contact us at 845-341-5036, or email JLynch@orangebanktrust.com to schedule a time to have us call you to discuss your financing options.

COMMUNITY HOME MORTGAGE PROGRAM

Affordable financing option for home buyers meeting program criteria.

  • .25% rate reduction applied to any current 1st mortgage product
  • Owner Occupied, home purchase transaction only
  • Loan to value of up to 85%, NO PRIVATE MORTGAGE INSURANCE REQUIRED
  • Income limits apply1

FHLBNY HOMEBUYER DREAM PROGRAMS

The Homebuyer Dream Program® (HDP®), Homebuyer Dream Program Plus® (HDP® Plus) and the Homebuyer Dream Program Wealth Builder® (HDP® Wealth Builder) are grant programs offered by the Federal Home Loan Bank of New York (FHLBNY) that are available through Orange Bank & Trust Company. First-time homebuyers may be eligible for grant money that can go towards the down payment and closing costs of their primary residence to help reduce the cost of buying a home.

Program funds are limited and are subject to change at any time. Grants are also subject to income limits and additional loan terms and conditions apply. For more information on these programs, please visit the FHLBNY website at: Homebuyer Dream Program® Suite – Federal Home Loan Bank of New York.

RESIDENTIAL MORTGAGE RATES: Effective as of 11/19/2025

Term APR3 Interest Rate2 Monthly Payments Per $1,0004

4 Monthly payments per $1,000 shown below includes principal and interest and does not include taxes and insurance, actual payment amount may be greater. Mortgage interest rates shown are for one to four-family owner-occupied primary residences with a loan to value of 80.00% or less.

 Points
10 Year Fixed 5.897% 5.875% $11.04 0
15 Year Fixed 6.016% 6.000% $8.44 0
20 Year Fixed 6.138% 6.125% $7.24 0

Explore monthly mortgage payments with our Loan Calculator.

VIEW MORTGAGE FEE SCHEDULE HERE

1 Income that is less than 80% of the area median income, published annually

2 Rates are subject to change anytime. Rates shown are based on first-lien mortgage loan for a 1 to 4 family, owner-occupied residential property.

3 The Annual Percentage Rate (APR) represents the cost of credit over the term of the loan expressed as an annual rate. The APR shown here is based on a loan amount of $120,000, the fixed term per stated interest rate and life of loan fees only, with no balloon payment. It does not include other loan specific finance charges you may be required to pay such as prepaid interest. Your actual APR may be different.

This is not a commitment to lend or extend credit. All loans are subject to credit approval. Conditions and restrictions may apply.

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