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Mortgage Loans

Report a lost or stolen Debit/ATM Card please call 1 (844) 890-6189. | Routing #221971086 | NMLS #684320

Monday, December 6 2021

Meet our Mortgage Specialists

Michael Kinsch Senior Residential Loan Originator, NMLS #768988

Michael Kinsch
(845) 334-4023
(845) 706-2669
(845) 331-6818

Each time I meet with someone who is looking to get a mortgage to buy or build a home or refinance their existing mortgage or make improvements, I am confident that Rondout Savings Bank offers the right financing solution that I can deliver in a friendly , knowledgeable and timely manner. My 20 years of experience in the Banking industry provides the skills necessary to tailor the right solution for the client, regardless of the need.  I am a Kingston High School graduate and a 1998 Marist College graduate with a Bachelor’s degree in Finance.  My dedication to residential lending has been recognized by Hudson Valley Magazine as the 2014-2016 “5 Star Professional Award Winner” and the 2015 Who’s Who recipient.

I currently live in Highland, NY and look forward to the opportunity to help you achieve your homeownership goals.

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Liz Moeller Senior Residential Loan Originator, NMLS#19253

Liz Moeller
(845) 802-5363
(845) 406-2317
(845) 514-2363

My goal is to make a complex process easy, and to provide my customers with information that is presented clearly, so they can make informed decisions about their mortgage loan. I am a long-time resident of the Hudson Valley, and currently live with my family in Saugerties, NY. I began my banking career over 25 years ago as a Mortgage Loan Underwriter, working at both community and regional banks before joining Rondout Savings Bank as a Senior Residential Loan Originator. My decision to join Rondout Savings came from a belief that a community bank is best able to serve the needs of my customers. We work with local attorneys to ensure that the mortgage experience is both friendly and professional. Our underwriting and loan approvals are done locally, allowing closings to happen quickly.

I am proud to be part of the team at Rondout Savings bank, and to help support Rondout’s “Dividends to the Community” program, which donates 10% of the bank’s profits each year to the communities we serve.

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Matthew Treglia Residential Loan Originator

(845) 532-2726
(845) 331-6818

Matthew was born and raised in the Hudson Valley, growing up in New Paltz he gained a passion for working with and supporting local businesses in the community. Rondout Savings Bank being a local community bank shares those same values and he is proud to be a member of this team.

Throughout Matthew’s journey in banking he has held roles in customer service, management and financial advising. He has always prided himself on listening to customers’ needs and delivering a solution that helps them achieve their goals.

Whether it be making home improvements, refinancing your current mortgage, purchasing an investment property, or building your dream home; Rondout Savings Bank offers the right solution to meet your needs.

Matthew graduated from The College at Brockport, State University of New York in 2006 with a Bachelor’s Degree in Business with a concentration in Marketing. He is thrilled to be part of the Rondout Savings Bank team and looks forward to helping you accomplish your homeownership aspirations.

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Online Mortgage Center

View rates and terms

Fixed Rate Mortgages

We also offer competitive fixed rate mortgages. If you are planning to stay in your home for several years and would like the stability of an interest rate that won’t rise, then a Rondout Savings Bank fixed rate is perfect.

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ARM Adjustable Mortgage Loans

If you are planning to stay in your home a short time or expect your income to rise in a few years, then a lower adjustable rate mortgage may be good for you. For more information or current rates please contact any of our loan professionals today.

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Construction Loans

Rondout Savings Bank offers construction loans which fund the construction of your new home in disbursements as work progresses.

Once your home is completed, your construction loan converts to permanent financing.

  • One time closing with only one set of closing costs
  • Fixed rate and adjustable rates available
  • Conforming and jumbo loan amounts available
  • Interest only payments during construction
  • Primary residence & second homes

Jumbo Mortgages

Rondout Savings Bank offers competitive rates for loan amounts exceeding $548,250.00 If your loan needs exceed this limit, please call one of our loan specialists for current rates.

All loans are subject to credit approval.


Home Equity Loan/Line of Credit

Using the equity in your home to pay for major expenses is an easy and smart financial strategy that can save you money with low rates.

Regardless of the need, Rondout Savings Bank will help you determine which home equity solution fits your individual needs. We offer both a fixed rate loan or flexible line of credit, each offering competitive interest rates and flexible repayment terms. At Rondout Savings, all credit decisions are made locally in a timely, professional and accurate manner.

Home Equity Fixed Rate

This loan allows you to borrow against the equity you have built in your home, offering a competitively priced fixed interest rate, fixed term and payments. These features provide you the peace of mind in budgeting and protects you against interest rate fluctuations.

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Home Equity Line of Credit

Opening a Rondout Savings Bank home equity line of credit allows you to borrow against the equity in your home – enabling you to pay for major items, such as education, home improvements, or medical bills. A Home Equity Line of Credit (HELOC) gives you ongoing access to your loan money. As you repay the borrowed amount, you can use it again during the initial draw period.

This is a variable rate that may change and is based on the Prime Rate published in the “Money Rates” section of the Wall Street Journal. All lines may be subject to a floor of 4.25%. The maximum rate that may apply is 14.90% APR. The rate may be adjusted monthly. The APR contains interest and no other closing costs. Hazard Insurance is required. For loan amounts under $125,000: if you pay off the loan within three years you may be required to reimburse the bank for a portion of the fees paid in conjunction with the loan closing. All rates are subject to change without notice. All loans are subject to credit approval.

Genworth Homebuyer Privileges®

Rondout Savings Bank offers our borrowers money- saving offers on the things they need most for their home through the Genworth’s Homebuyer Privileges®. Click here for discounts and special offers.

Homebuyer Privileges® Genworth Mortgage Insurance our discount can fill a home- top to bottom!