For more information E-mail us at info@sawyersavings.com

All rates are current as of

TYPE	TERM	INTEREST RATE	APR*	Monthly Payment per $1,000
Home Equity**	Up to 10 Years	6.250%	6.250%	$11.23
Home Equity**	Up to 15 Years	6.750%	6.750%	$8.85
Home Equity**	Up to 20 Years	7.000%	7.000%	$7.76

TYPE	TERM	INTEREST RATE	POINTS	APR*	Monthly Payment per $1,000
40 Year Fixed	40 Year	6.750%	0	6.759%	$6.00
30 Year Fixed	30 Year	6.750%	0	6.761%	$6.49
30 Year Fixed	30 Year	6.500%	1	6.607%	$6.33
15 Year Fixed	15 Year	6.125%	0	6.142%	$8.51
15 Year Fixed	15 Year	5.875%	1	6.048%	$8.38
30 Year Biweekly	30 Year	6.625%	0	6.669%	$6.41
15 Year Biweekly	15 Year	6.000%	0	6.064%	$8.44
Jumbo Loan 15 Year Fixed	15 Year	6.750%	0	6.767%	$8.85
Jumbo Loan 15 Year Fixed	15 Year	6.500%	1	6.676%	$8.72
Jumbo Loan 30 Year Fixed	30 Year	7.375%	0	7.386%	$6.91
Jumbo Loan 30 Year Fixed	30 Year	7.125%	1	7.237%	$6.74

Rates are subject to change without prior notice.
*APR=Annual Percentage Rate. The APR does not include costs other than interest. Sawyer Savings Bank cannot be held responsible for online calculator errors.
**The Home Equity Rates quoted are for fixed rate home equity loans on primary residences only. Contact us for current rates on Home Equity Lines of Credit and other Home Equity products.

Call (845) 246-7000
or
(800) 486-9266
for additional loan rates!

OTHER INFORMATION ABOUT SAWYER MORTGAGES
  Interest Rate Lock-In's are available
  We pride ourselves in Fast Approvals
  We are committed to offering the best customer service throughout the mortgage process, closing procedures AND for the life of your loan. Sawyer Savings will be Your Mortgage Partner.

Our Goal at Sawyer Savings Bank
is to make it simple for you to apply for and get a mortgage loan.

HERE'S HOW WE DO IT
  We provide you with a Mortgage Consultant who gives you personal, individualized service based on expertise, experience and YOUR needs.
  When necessary your Mortgage Consultant will travel to your location.
  As a multi-branch bank, our sense of organization allows us to make decisions quickly and get you answers in the shortest turnaround time.
  We have been in the banking and lending business for more than 130 years. Experience counts!
  We treat our first meeting with each customer as the beginning of a long relationship…for the length of your loan, and then some.
  We will walk you through each step of the mortgage loan process, for a stress-free experience.
  We are a builder-friendly bank. Making things easier for your contractor will make things easier for you.
Whatever your loan needs are, call Michael Horodyski at (845) 236-7800 ext 304, or E-mail Michael at mhorodyski@sawyersavings.com.

HERE'S WHAT WE'LL NEED FROM YOU
  PROPERTY INFORMATION including Binder or Sales Contract (for purchase) OR deed and most recent tax bills (for refinance).
  VERIFICATION OF INCOME including W2's for the last two years, and one month's most recent pay stub. For self-employed individuals, we will need complete copies of tax returns for the past two years, plus YTD Profit and Loss Statement.
  VERIFICATION OF ASSETS including last three months bank statements and/or investment accounts.
  VERIFICATION OF LIABILITIES including creditor(s) name(s), account number(s), present balance(s) and monthly payment(s) for all credit card(s) and installment loan debt(s) (e.g., auto, student loan, real estate).
  ADDITIONAL INFORMATION (where applicable) may include current landlord's name and address, signed divorce decree and/or separation agreement, lease agreement for rental properties owned, corporate tax returns for two years.
Please be advised that the above items may not be all the documents you are required to submit for approval. The list is, however, fairly inclusive, so you will be well prepared to meet with our experienced sales staff. Please contact:

Michael Horodyski at (845) 236-7800 ext 304 E-Mail

Click Here for our loan calculator