Home Mortgages

​We offer a variety of mortgage loan options to help you purchase the home of your dreams!

​PCSB mortgages are straight forward and user friendly. Work with a PCSB mortgage representative to better understand your home financing options and choose the right mortgage for your specific needs. We make it easy!


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

Residential Mortgages

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

Contact Us
Contact Us

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 lower interest rate.
  • Simply lower your monthly mortgage payment.
Mortgage Rates

Contact a Loan Officer

Scott Wallingford (NMLS# 697533) – 845-315-4459
Joe Siciliano (NNMLS# 894851) – 914-241-4701

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