Apply online! It's easy to do!

Fill in the easy-to-follow application. When you have completed the application, click submit and your information will be reviewed for instant online approval in as little as 20 minutes. A Rhinebeck Bank Mortgage Lender will follow up to answer any questions you may have.

Today's Featured Rates

30 Year Fixed Rate
 Rate  APR  Points
 4.500%  4.573%  0.000%
20 Year Fixed Rate
 Rate  APR  Points
 4.375%  4.475%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 4.000%  4.052%  0.000%
FHA 30 Year Fixed Rate
 Rate  APR  Points
 4.250%  5.320%  0.000%

Personalized Quote

Some of the best mortgage rates around on:

Conventional Fixed Rate

Fixed rate mortgages provide you with the security of a monthly payment that doesn't change and are one of the most popular loan options today. Rhinebeck Bank offers a variety of fixed rate mortgages and our expert loan advisors can help you choose one that best meets your needs.

Adjustable Rate

If you're in need of temporary financing, an Adjustable Rate Mortgage may be just the thing. Contact us to discuss your mortgage needs and we'll help you find the best funding option.


A jumbo mortgage provides higher dollar financing than a conventional fixed rate mortgage. If you are a looking to purchase that special dream home or refinancing an existing mortgage with a higher balance, Rhinebeck Bank has a variety of jumbo products to meet your needs. Contact a loan advisor today to find out how we can help.

First Time Homebuyer

We know that a first time home purchase can be an intimidating task, but our expert loan advisors have the experience and knowledge to guide you on the path to homeownership. The Bank has a variety of programs designed to get you in your first home. Contact us to find out more about our programs specifically designed to assist first time homebuyers.


Rhinebeck Bank is a State of New York Mortgage Agency (SONYMA) participating lender. SONYMA offers first time homebuyers low down payment options, as well as low interest rates. Contact us for more details and rates. Certain restrictions may apply.

Construction Loans

Build your dream home – we finance stick built, modular homes and log homes.

Construction Rehab Loans

Are you thinking about a fixer-upper? Rhinebeck Bank offers flexible construction rehab loans to turn that handyman special into your special home.

Rate Watch

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Mortgage Calculators

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