Ready to move from renter to homeowner?

Now may be a smart time to free yourself from rent payments and start paying a mortgage rather than a landlord. When you're ready to make a move, we're ready to help you find the right mortgage.

Affordable Mortgage Options

As a community bank, we strongly believe in providing affordable mortgage solutions. We are an approved SONYMA lender with a broad selection of programs to make homeownership affordable by helping remove many of the hurdles faced by first-time homebuyers.

We also developed the Ridgewood Good Move Mortgage that provides some unique benefits not available with the SONYMA programs. Explore both programs below or speak with our experienced Mortgage Consultants to find the program that works best for you.

Featured Rate
Good Move Plus - 30 Year Fixed Rate

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Good Move Mortgage loans are available for owner-occupied properties located in the five boroughs of NYC, Nassau, Westchester, Suffolk, Putnam, Rockland and Fairfield Counties. Income Limits Apply. Maximum Loan Amounts Apply. Available for 1-4 Family, Condos and Co-ops. LTV Guidelines Apply.

CPM = Cost Per Thousand Borrowed.

Rates are effective as of 4/29/2025.

Rate (a)This interest rate is an estimate of the rate that will apply for the remaining term of the loan. However, the actual interest rate will adjust periodically in accordance with the loan terms.

Rate (b)This payment is an estimate of the payment that will apply for the remaining term of the loan. However, the actual payment will adjust periodically in accordance with the loan terms. For first lien mortgages, the payment shown does not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater.

Loan products and services subject to credit approval.

Rates & terms are subject to change without notice.