You find your home and we’ll take care of the mortgage.  With flexible options and competitive rates, we have a mortgage for everyone.  And the best part is, you get the best in mortgage servicing and processing from friendly, local professionals.  Buying a home is an exciting process.  We want to be a part of that process and have a mortgage that fits your needs.  Whether you know what you need or just want to talk about options, we ar here for you.

Fast Closings | Flexible Options | Neighborly Advice

Featured Product

Buying or upgrading your home may be more affordable than you think. We will personally review your options and help find the right program for you.

Low Down Payment Mortgages with NO PMI

  • $400 OFF Closing Costs
  • No PMI Required
  • Down Payments As Low As 5%
  • Credit Scores As Low As 600 Accepted

Keep your mortgage local with Saratoga Federal & Saratoga Mortgage!


80.1% - 85% 600 45% REQUIRED 1.50% NOT REQUIRED
85.1% - 90% 640 45% REQUIRED 1.23% NOT REQUIRED
90.1% - 95% 680 50% REQUIRED 1.40% NOT REQUIRED

Mortgage Calculator | Mortgage Web Center


Mortgage Programs

The credit union offers a full suite of mortgage programs.  Connect with us and we will help find the right program for your unique needs.
80/20 Loans, ARMs, FHA, Home Ready, Investment Property (Owner Occupied), USDA, Vacation Home, Veteran Affairs (VA)

Learn More


Meet our Mortgage Team

Lisa McCoy

VP, Branch Operations
518.583.2323 x123
NMLS# 1454285 

Misty Malatino

Branch Manager - Ballston Spa Branch
518.583.2323 x107
NMLS# 925524

Cristella Parsons

Branch Manager - Saratoga Springs Branch
518.583.2323 x103
NMLS# 2192991



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!

Speak directly to staff!



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 $400 off closing costs for first mortgage loan applications submitted through this offer, 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, 2024. Credit union reserves the right to discontinue promotion at any time. 




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.