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Why choose Walden Savings Bank when refinancing your home?

We offer flexible products, listen to and understand your needs and provide fast responses. Regardless if it is your primary residence, second home or investment property you are looking to refinance, we are here to help you.  Are you looking to take advantage of today's low rates, get cash out or just payoff your loan sooner?  Our local underwriting decisions and knowledge of the Hudson Valley provide you with the service level you expect and deserve.  Contact one of our Mortgage Loan Consultants today to get started or to discuss your options.


Free Pre-Qualification          Free Rate Lock            Low Closing Costs 

Fixed Rate Mortgages

Fixed Rate Mortgages are perfect for those borrowers looking to stay in their home for a longer period of time or want the peace of mind that comes with a stable payment.


Adjustable Rate Mortgages

If you are looking for low interest rates, low payments or only plan to spend a short time in your home, then an Adjustable Rate Mortgage is for you.  You may even qualify for a larger loan amount in certain interest rate environments.  Your interest rate will be fixed for the initial term of your loan after which your rate will adjust annually thereafter based upon the index and margin.




"Both Michael and Gloria were excellent! Two thumbs way up!"


"Ana & Gloria were extremely helpful with the whole process."


"Keep hiring people like Helen Gordon"

S.M. & S.M.

"Helen was the best originator I have ever used, she was excellent!!!"


"Sheri Herbert is an asset to your bank. Some people are good, but sheri is GREAT!"

C.B. & J.B.

"Sheri even returned calls on her vacation and after business hours!"


"I have dealt with Sheri Herbert through a few mortgages, I would not want anyone else."


"Best service ever!!!"

M.M. & L.M.

"Excellent experience – start to finish 4 weeks – thank you!"


"Tracy was a pleasure to work with - Thank you!"


"Great staff, I was so pleased!! Thank you! I will tell anyone who I believe is in the market."

A.D. & J.D.

"Ana was a pleasure to work with and she is a great addition to your staff!!!"


"I would recommend everyone to Walden Savings & have since opened an account as well."


"Excellent customer service."


"We thought the overall experience was great. Tracy is very professional + supportive."


"Everything went very smoothly. We were very pleased with the process."


"I appreciate all the hours and hard work, in the end achieving a great mortgage."


"It was a great experience."


"This is our 4th mortgage and/or equity/refi with Walden. All have been good + only getting better."

M.T. & G.T.

"Easiest, smoothest loan service ever."


"Thanks for making this such a smooth process!"


"What more can you say…Excellent & we saved money $! I refer you all the time – whenever I hear of someone doing a refinance or buying I tell them Walden Savings!"

M.B. & B.B.

"Sheri - makes things easy."


"Very professional."


"One very satisfied customer. Thanks!!!"


"WSB is unique in that you have all the services and programs of a large bank with the small town bank attention to detail. Keep up the great work!"


"Ana, Thank you again so much for all your help with getting my refinancing done with such ease. You made a stressful situation so much easier."


"Excellent job - Helen Gordon is truly a gifted originator & a pleasure to work with."

M.M. & C.M.

"Ana was friendly, efficient + accommodating. Pleasure to deal with"


"We have not purchased a home in thirty (30) years, so much has changed. Tracy helped me and my daughter immensely. Couldn't have done it without her assistance."


"Sheri Herbert is a great asset to your bank, she moved the process along very professionally!!!"


"Great Job. People actually answer the phone."


"Refreshing compared to dealing with Wells Fargo, Professional. The whole experience was exceptional particularly since money is not my forte, I was supported and provided all the information. I felt the ancient art of good customer service has been revived."


"As always, a pleasant, professional experience. Many thanks."

C.F. & L.F.

"Thought you did a great job. Outstanding – so good I opened an account with the Bank!"


"Sheri was fabulous. A problem cropped up with the title just before closing and she was quickly able to resolve it."


"Sheri and the staff made us feel comfortable and safe to bank at Walden Savings Bank, we had a great experience."

F.C & V.C

"As a first time homebuyer, Helen was great in letting me know what the process would be and where they were with the loan."


"Ana is a steller asset to your organization!"

M.S. & C.S.

"Would give high praise to Walden Savings Bank to anyone who asks"


"Tracy was amazing, we had a wonderful experience. Thank you"


"The whole process was seamless, no glitches as with past experiences"


"Overall excellent experience and happy to have a relationship with Walden Savings Bank"

    Loan TypeRateAPR
    30-Yr Fixed 4.125% 4.157%1
    15-Yr Fixed 3.375% 3.423%2
    10/1 ARM 3.500% 3.769%3
    7/1 ARM 3.375% 3.800%4
    5/1 ARM 3.250% 3.840%5
    3/1 ARM 3.125% 3.924%6

    as of 04/24/17 09:14:08 AM

    APR Assumptions

    (APR = Annual Percentage Rate)

    * Required FieldPrivacy Policy

  • Get Pre-Qualified

    Download and complete the PDF, then visit your nearest branch or call a loan officer to discuss further.

    Click Here To Download PDF

    Your request has been received. We will contact you as requested.Thank you.

    Apply Now

    1003 Application

    Download and complete the PDF, then visit your nearest branch or call a loan officer to discuss further.

    Click Here To Download PDF

    If you are a customer of Walden Savings Bank and have a question regarding your existing mortgage loan, please call:

    Customer Service:
    845-457-7700 - option 3

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