*Mortgage pre-approval offer is valid for 90 days. If a formal mortgage application is not submitted within 90 days of the issuance of the pre-approval Rondout Savings Bank will consider the pre-approval expired. This commitment is subject to reconsideration and/or termination by Rondout Savings Bank if there is any material change in your financial status or with information provided by you in your mortgage application or issues regarding the condition of the property. Prior to loan origination all terms and conditions as stated in the commitment letter must be agreed to and/or satisfied.

**Receive $500 towards borrower’s closing costs in accordance with the loan program selected and that program’s eligibility requirements. Customer pays for all other fees and services. Eligible mortgages include owner-occupied purchases of primary residences. Not valid for pre-qualifications, refinances, home equity products, construction loans. Offer may not be combined with any other offers or discounts unless otherwise noted. Limit one (1) per loan transaction. Lender credit will only be given for originated loans. Certain conditions apply. Offer expires 10/31/2023.