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…

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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%

Personalized Quote