Overview
Tom McHugh
Mortgage Originator - NMLS # - 697524
NMLS # - 697524
3 North Broad Street, Peekskill, NY 10566
Cell Phone: | 845.363.8993 |
Office: | 845.336.4444 ext. 3113 |
Email: tmchugh@mhvfcu.com
I have been helping people achieve the American Dream of
Homeownership since 1997! As a 30+ year resident of Dutchess County, I am
well-versed in all aspects of Mortgage Lending, including Residential Purchase,
Construction, and Renovation loans. Member needs are met by fact finding and
matching with the best products and services that MHVFCU has to offer! I
previously had an Insurance Agency in Poughkeepsie, where I helped people
protect what they love, and have earned NYS Licenses in many areas, including
Series 6 and 63.
I understand that home financing is one of the biggest
financial decisions you will make in your life. I also know that, without the
aid of a knowledgeable partner, getting a mortgage can become an overwhelming
task. That is why I will work with you to get you the right loan, to lock in
the best rate, and to make your loan process anxiety-free, trouble-free, and
completely satisfying every step of the way.
What You Will Need to Apply:
*Last two years of W2 forms and two current paystubs, showing at least 30 days of year to date income
*If self-employed, please provide the last two years of signed tax returns (business and personal) with all schedules, along with a signed year-to-date profit and loss statement
*Last two months of bank statements for all checking and savings accounts
*For purchases, please provide a binder or fully executed (dated and signed by all parties) Contract of Sale
*Payment for appraisal and application fee
Personal Assistance with Technology
Once you complete your online application I will be in contact you to within 3 business hours and work with you through closing. Join the families and friends in our community that I have assisted over the last 10 years, putting homes and dreams together
Mortgage Programs to Suit Your Needs
We have a wide variety of mortgage products tailored to meet your needs. Our products range from first time homebuyer programs to refinances and construction loans. I will work with you to find the right mortgage program to fit your circumstances. If you are not sure what you want, call me for a personal consultation.
We Offer Additional Resources
Through our online lending services, we offer a wide range of information to help make you an informed borrower. We will keep you posted on rates with our Rate Watch service, let you calculate your monthly payment with our Calculators, and give you answers to your questions through our mortgage Resource Center.
Rate Watch
Keep an eye on rates via email. Sign up for Rate Watch.
Calculators
How much would my monthly payment be?Can I save money by refinancing now?
more…
Today's Rates
FIXED RATE PRODUCTS | ||
30 Year Fixed Rate | ||
Rate | APR | Points |
7.000% | 7.460% | 0.000% |
20 Year Fixed Rate | ||
Rate | APR | Points |
7.000% | 7.246% | 0.000% |
15 Year Fixed Rate | ||
Rate | APR | Points |
6.500% | 6.658% | 0.000% |
SONYMA | ||
Rate | APR | Points |
6.375% | 6.789% | 0.000% |
BIWEEKLY FIXED RATE PRODUCTS | ||
Biweekly 30 Year Fixed | ||
Rate | APR | Points |
7.000% | 7.449% | 0.000% |
Biweekly 15 Year Fixed | ||
Rate | APR | Points |
6.875% | 7.044% | 0.000% |
ADJUSTABLE RATE PRODUCTS | ||
5 Year Adjustable Rate | ||
Rate | APR | Points |
6.250% | 7.778% | 0.000% |
7 Year Adjustable Rate | ||
Rate | APR | Points |
6.250% | 7.542% | 0.000% |
10/1 ARM NC | ||
Rate | APR | Points |
6.375% | 7.235% | 0.000% |
HOME EQUITY PRODUCTS | ||
Fixed Equity Loan (5 Year) | ||
Rate | APR | Points |
6.500% | 6.500% | 0.000% |
Fixed Equity Loan (10 Year) | ||
Rate | APR | Points |
6.750% | 6.750% | 0.000% |
Fixed Equity Loan (15 Year) | ||
Rate | APR | Points |
7.000% | 7.000% | 0.000% |
Fixed Equity Loan (20 Year) | ||
Rate | APR | Points |
7.250% | 7.250% | 0.000% |