saratoga mortgage

Limited Time Promotion - 5% Down, PMI Waived

Affording your dream home can be a reality with our limited time, low down payment program. Available to new and existing homeowners!

As low as a 5% Down Payment
Fixed or Adjustable Rates
Owner Occupied Properties Required
1 - 4 Family Residences
Cash-Out Available

No Application Fee
No Income Limit Restrictions
No First Time Home Buyer Requirement
No Homebuyer Education Requirement
No Pre-Payment Penalty

Get Started Today!

Mortgage Programs for Everyone

Conventional | ARMs | FHA | Home Ready | Investment Property (Owner Occupied) | USDA | Vacation Home | Veteran Affairs (VA)
With flexible options and competitive rates, we have the perfect mortgage for everyone. Our local team of friendly professionals is here to guide you through the entire process—from application to closing. Buying a home is an exciting journey, and we’re excited to be part of it. Whether you’re clear on what you need or simply want to explore your options, we’re here to help you find a mortgage that fits your life and your goals.

Learn More

Meet our Mortgage Team

Howard
Mortgage Loan Originator
518.583.2323 x119
email
NMLS #1914414

Lisa
Vice President/CLO
518.583.2323 x123
email
NMLS #1454285

Misty
Branch Manager
518.583.2323 x101
email
NMLS #925524

Barb
Branch Manager
518.583.2323 x108
email
NMLS #938589

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

	Ready for a consult? We can't wait to meet you! 189 Ballston Avenue, 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

Mortgage Promotion: 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. Sample payment based on 360 monthly payments of $62.39 for each $10,000 borrowed with an annual percentage rate of 6.731%. Rates may vary depending on each borrower's credit history and the credit union's underwriting standards. Rates are subject to change. Geographic Areas: Only properties located in the following counties will be considered: Albany, Essex, Fulton, Hamilton, Montgomery, Rensselaer, Saratoga, Schenectady, Warren and Washington. Must meet membership eligibility. Membership eligibility: Immediate relatives of members are eligible. Non-family members must live, work, worship or attend school in Fulton, Montgomery, Saratoga, Warren or Washington County to qualify for membership. Federally insured by NCUA. NMLS #619051.

About Saratoga Federal

Saratoga Federal 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.