Home Mortgages

​We offer a variety of mortgage 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 options and choose the right mortgage for your specific needs. We make it easy!


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

Residential Mortgages

PCSB offers a variety of fixed and adjustable rate loans with competitive rates and flexible 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
  • SONYMA program lender
  • 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 with for the same home.
  • Get the peace of mind that comes with knowing you're pre-qualified! 
Get Pre-Qualified

First-Time Home Buyers

PCSB understands that buying your first home can be intimidating.

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You’ll enjoy working closely with a PCSB mortgage specialist to make buying your first home a stress-free and positive experience.
PCSB works with the State of New York Mortgage Agency (SONYMA), which offers mortgage programs to assist first-time home buyers in New York State with features designed to make your home purchase more affordable.
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True Community Mortgage

True Community Mortgage is specially designed to help make purchasing a home more affordable for Hudson Valley residents. We’ve put together a list of great features.

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  • Down payment can be as little as 3%
  • Competitive rates, either fixed or adjustable
  • Grants available to help with closing costs
  • No application fee
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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.

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There are significant benefits to refinancing your current mortgage to take advantage of today's lower rates.

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