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Meet Our Mortgage Loan Officers

Think of our Mortgage Loan Officers as your personal guide on your journey to home ownership. They are here to help make the loan process as smooth as possible for you, and can help you:
  • Determine the best mortgage for your needs, that also fits within your budget.
  • Complete your application, whether online, over the phone, or in person.
  • Gather the required documentation to process your application
  • Lock in your rate and fees once you find the home you want to purchase.

If you are already working with a loan officer, please select that individual from the list below and apply through their personalized web page. If you are not working with a loan officer at this time, please select the one assigned to the branch most convenient for you.

Stephanie Baran
Stephanie Baran Stephanie Baran LinkedIn Profile
Beacon, Highland, &
Montgomery Branches
Phone: 845.309.8755
Fax: 845.240.7193
Meet Stephanie
Kathy Benz
Kathy Benz Kyle Buckley LinkedIn Profile
Phone: 845.303.4693
Fax: 845.240.7193
Meet Kathy
Kyle Buckley
Kyle Buckley Kyle Buckley LinkedIn Profile
Arlington, LaGrange, &
Pleasant Valley Branches
Phone: 845.303.4694
Fax: 845.240.7193
Meet Kyle
Rosie Giammatteo
Rosie Giammatteo Rosie Giammatteo LinkedIn Profile
Hyde Park, Kingston, &
Rhinebeck Branches
Phone: 845.891.5059
Fax: 845.240.7193
Meet Rosie
Tom Henry
Tom Henry Tom Henry LinkedIn Profile
Hopewell Junction, Poughkeepsie, & Wappingers Falls Branches
Phone: 845.235.5810
Fax: 845.463.4495
Meet Tom
Claudia Ramos-O'Neill
Claudia Ramos-O'Neill Claudia Ramos-O'Neill LinkedIn Profile
Newburgh & New Windsor Branches
Phone: 845.242.8974
Fax: 845.240.7193
Meet Claudia
James Ryan
James Ryan James Ryan LinkedIn Profile
Brewster, Carmel, Fishkill,
& Mahopac Branches
Phone: 845.380.6750
Fax: 845.240.7193
Meet James


What to Expect with an HVFCU Mortgage

  • Low mortgage rates
  • Low down payment options
  • Free pre-approvals
  • Fast turnaround
  • Low closing costs
  • No mortgage pre-payment/payoff penalties
  • In-house account servicing
  • Local decision making

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