Rhinebeck Savings Bank offers a variety of residential mortgage programs to suit your needs and, more importantly, we service your mortgage after closing. In other words, your mortgage payments are made directly to Rhinebeck Savings Bank! fixed rate mortgages Your mortgage is offered at a fixed monthly principle and interest payment. This way you know exactly how much your mortgage payment will always be. Competitive rates are available. If you're in need of temporary financing, an Adjustable Rate Mortgage may be just the thing. Contact us to discuss your mortgage needs and we'll help you find the best funding option. sonyma Build your dream home - we finance stick-built, modular homes and log homes. Click here for additional mortgage resources or contact us. All mortgage applications are accepted at any of our branch locations. Or, you can apply online for your next Fixed Rate Mortgage. We also offer Free Pre-Qualification, so you can shop for your new home knowing you can afford the mortgage! Or, if you prefer, you can call (845) 229-8800, option 3, to make an appointment to meet with one of our Residential Mortgage Lenders. Rhinebeck Savings Bank offers a variety of Home Equity programs that can be used as a multi-purpose loan. In many cases, the interest you pay may be tax deductible*. Our Fixed Rate Home Equity Loan is designed so you can repay the amount borrowed over a specified period of time. A home equity loan is a one-time disbursement to you, with monthly payments fixed at an amount that will pay the loan back in full at maturity. Home Equity Lines of Credit offers you a 5-year variable rate line of credit feature, which allows you to access the funds you need when you need them. You may pay down the line and re-access it much like you would a credit card. Monthly payments will vary based on the current interest rate and the amount of money you use. *Consult your tax advisor **An estimate of the fees you would have to pay third parties at the time of closing (closing costs) will be provided to you. If you are approved for a home equity loan / line of credit, Rhinebeck Savings Bank will waive your obligation to pay these closing costs, provided that you maintain your home equity loan / line of credit account with the Bank, in good standing, for three (3) or more years from the day of closing. If you or the Bank terminate the account for any reason you will be required to reimburse the Bank for the fees the Bank paid on your behalf. ***After the 5-year period ends, your line of credit feature ends. Should there be a balance remaining at that time, we will put you on a repayment plan with a term up to 15 years. All lines of credit and fixed rate loans are subject to credit approval; annual percentage rate will depend on credit history. Additional terms and conditions may apply based on type of collateral and other chosen conditions. At Rhinebeck Savings, we have tailored the lending process to provide you with competitive rates and superior customer service. We take pride in making the application process a comfortable experience. Apply online, at any of our branch locations or contact our Customer Solutions Center at (845) 229-8800, option 3 and apply over the phone. Most loan decisions are made within 24-hours! We offer financing for new, used and classic cars. You can be pre-approved for a loan amount that you feel comfortable with before you go shopping for your new car. Fixed monthly payments, extended terms and competitive rates are available*. Personal loans are available to finance a variety of your needs - debt consolidation, weddings, vacations and unexpected emergencies, just to name a few. Fixed monthly payments and competitive rates are available*. Secure a personal loan with a qualified Rhinebeck Savings deposit account. There's no need to dip into your savings. Fixed monthly payments and competitive rates are available.* contact us for further information. With Priority Plus Credit you're in control! Priority Plus Credit has been designed to give you peace of mind and additional spending power when you need it. With Priority Plus Credit, you have the ability to write yourself a loan when you decide you want it. This feature, is directly tied to your checking account, taking away the pressure of having to run to the bank to cover a check. You no longer have to worry about your account being overdrawn*. *Certain terms and restrictions may apply.loans & lines
residential mortgages
adjustable rate mortgages
Rhinebeck Savings Bank is a State of New York Mortgage Agency (SONYMA) participating lender. SONYMA offers first-time homebuyers low down payment options, as well as low interest rates. Contact us for more details and rates. Certain restrictions may apply.construction loans
home equity programs
fixed rate home equity loan
home equity lines of credit
consumer loans
automobile loans
personal loans
secured personal loans
priority plus credit
