Feel at home with Saratoga Mortgage
Life is full of everyday moments, enriched with moments of a lifetime. You need support for both.

Let us help you find a home that fits your budget. Our mortgage experts will determine how much you qualify to borrow and review proposed payments and costs to get you on the fast track to home-ownership.

 

Featured Saratoga Mortgage Products
 

10% DOWN & NO PMI
Limited time promo expires 9/1/2021

 

Benefits & Features
Minimum credit score of 640+
Purchase or refinance
For first time or repeat homebuyers
No income limit
No application fee
No prepayment penalty
Rate lock


 

Apply Today

Additional Mortgage Products


10% DOWN & NO PMI
Limited time promo expires 9/1/2021

 

Qualifications & Terms
Minimum credit score of 640+
Up to 20 year term
Property must be suitable for year-round occupancy, available for the borrower's exclusive use and cannot be subject to rental agreements.
Geographical Requirements: Albany, Fulton, Montgomery, Rensselaer, Saratoga, Schenectady, Warren and Washington

Apply Today

Additional Mortgage Products


3% DOWN & REDUCED MORTGAGE INSURANCE (MI)

 

Benefits & Features
Minimum credit score of 640+
Cancelable MI
No application fee
No prepayment penalty
Income limit
Homeowners education required

Income Look Up Tool

 

Apply Today

Additional Mortgage Products

$400 Off CouponRates

 

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


 

Meet our Mortgage Team
 

Patti Montgomery

Mortgage Loan Originator
518.583.2323 x113
email
NMLS# 580567


Lisa McCoy

Manager, Branch Operations
518.583.2323 x123
email
NMLS# 1454285 


Paige Carlquist

Branch Supervisor
518.583.2323 x122
email
NMLS# 1802733

 

 

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 90% CLTV (Combined Loan to Value) and points of 2.00% will apply for loans over 80% CLTV.  Tax escrow may be required.  The credit union will provide $400 off closing costs for first mortgage loans through this offer, does not apply to government loans.  The coupon must be presented at time of application.  Cannot be combined with any other promotion. Geographical Requirements: Albany, Fulton, Montgomery, Rensselaer, Saratoga, Schenectady, Warren and Washington. Offer expires September 1, 2021.  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.