mortgage PROMOTION - $700 OFF CLOSING COSTS

Limited Time Offer -  Apply Between September 1, 2022 and November 30, 2022

When thinking about purchasing or refinancing a home, you want to know you’re in good hands. While everything else is getting smarter, so should your home loan!  We’ve designed smarter mortgages that help preserve more of your savings. 

A Different Approach to Mortgages

No PMI
$700 Off Closing Costs
Down Payments As Low as 5%
Fast Closings
Felxible Options
Neighborly Advice

Keep your money, we insist!
Get a smarter mortgage for your smarter home.

Apply

Rates

 

Mortgage Programs

The credit union offers a full suite of mortgage programs.  We look forward to helping with all your mortgage needs.

Other Featured Products

 

Meet our Mortgage Team
 


Lisa McCoy

Vice President, Branch Operations
518.583.2323 x123
email
NMLS# 1454285 


Paige Carlquist

Branch Manager
518.583.2323 x122
email
NMLS# 1802733
 

 

 

Real Estate Agents


 

When you partner with us, we meet you on a level playing field and open a world of possibility.

We would love to connect whether on the phone or over a cup of coffee to discuss how we can work together. Plus, take advantage of our FREE programs to help you and your client feel confident with all aspects of the buying and selling process.

  • Seminars for you and your clients
  • Office visits with custom presentations, plus breakfast!
  • Open house visits

Read More

 

 

When it's important to you, it's personal to us.

 

   Ready for a consult?
We can't wait to meet you!
23 Division Street, Saratoga Springs, NY 12866
444 Geyser Road, Ballston Spa, NY 12020
 
  

Know what you need?
Apply online!
 

   Questions?
Speak directly to staff!
518.583.2323
 

 

 

Limited time promotion available to credit qualifying borrowers. Minimum loan amount of $100,000. Property must be owner occupied. Private Mortgage Insurance may be waived for loans up to 95% CLTV (Combined Loan to Value) and points of up to 2.50% will apply for loans over 80% CLTV. Tax escrow may be required. The credit union will provide $700 off closing costs for first mortgage loan applications submitted between 9/1/2022 and 11/30/2022, does not apply to government loans or cimple mortgage refinance products. This offer must be presented at time of application. Cannot be combined with any other promotion. Geographical Requirements: Albany, Essex, Fulton, Hamilton, Montgomery, Rensselaer, Saratoga, Schenectady, Warren and Washington. No PMI mortgage promotional product expires December 31, 2022. Credit union reserves the right to discontinue promotion at any time. 

 

 

 

About Saratoga's Credit Union

Saratoga’s Community Federal Credit Union is a full service financial institution founded in 1945 by a group of educators in the Saratoga Springs Public School System. Since that time the credit union has grown to service the financial needs of the communities within Saratoga County offering a wide range of services from student loans, mortgages, and auto financing to savings and retirement options. Saratoga’s Community FCU is committed to integrity, innovation, and individualization, providing fair and honest products for all individuals.