Home Mortgages

​We provide an array of mortgage loan solutions tailored to make your dream home purchase a reality!

​At PCSB Bank, we have a full suite of mortgage products to make your New York, Connecticut, or New Jersey home ownership dreams come true. You’ll certainly benefit from working with an experienced and dedicated Mortgage Specialist throughout the entire process.


​Why choose PCSB Bank for your mortgage?
  • Free pre-qualifications
  • Loan process is fast and simple
  • Competitive interest rates and low fees
  • Local decision making

Residential Mortgages

PCSB Bank offers a variety of fixed and adjustable-rate home loans with competitive interest rates and flexible loan terms.

Mortgage Rates
  • Conforming and jumbo loans
  • 1-4 family, co-ops and condos
  • Second home financing
  • Investment property loans (1-4 family)
  • Construction and permanent financing
  • Low down payment options
  • Free pre-qualifications
Mortgage Rates

Free Mortgage Pre-Qualification

Get a FREE mortgage pre-qualification so you can shop with full confidence!

Get Pre-Qualified
  • It helps to understand what size mortgage you'll likely qualify for when shopping for a new home.
  • A mortgage pre-qualification can give you an advantage over other buyers competing for the same home.
  • Get the peace of mind that comes with knowing you're pre-qualified! 
Get Pre-Qualified

Construction Loans

Looking to build the home of your dreams? PCSB Bank offers construction loans to help make your dreams come true! Once your home is complete, we can help you transition into permanent financing.

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Mortgage Refinancing

There are significant benefits to refinancing your current mortgage.

Mortgage Rates
  • Get cash out for a large purchase or home improvement
  • Consolidate your debt at a potentially lower interest rate
  • Opportunity to lower your monthly mortgage payment
Mortgage Rates

Homebuyer Dream Program® (HDP®)

Through the Federal Home Loan Bank of New York (FHLBNY), we now offer the Homebuyer Dream Program® (HDP®) to help low-to-moderate income first-time homebuyers purchase their first house with a grant that can offer up to $20,000!

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  • For eligible first-time homebuyers earning at or below 80% of the Area Median Income, this program can provide you with the following benefits:
    • Up to $19,500 towards down payments and closing cost assistance
    • Up to $500 towards the defrayment of homeownership counseling costs

      * Subject to approval through the Federal Home Loan Bank of New York (FHLBNY)

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True Community 2.0 Mortgage

True Community 2.0 Mortgage is specially designed to help make purchasing a home more affordable for first-time homebuyers in the Hudson Valley. We have put together a list of great features.

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  • Down payment can be as little 3% (Income restrictions apply)
  • Competitive rates, either fixed or adjustable
  • Up to $3,500 in Lender Credits
  • Processing fee waived
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Contact a Loan Officer

Scott Wallingford (NMLS# 697533) – 845-279-1031
Joe Siciliano (NMLS# 894851) – 914-241-4701

NOTE: All persons are subject to additional requirements. Contact a loan officer for details

Personal Checking Accounts
Choose from several options customized to fit your financial needs.