Mortgage Discounts

The following discounts are paid advertising. The appearance of these ads does not imply any endorsement by or connection with the United Federation of Teachers or NYSUT.

Paid advertising

Berkshire bank

Jason E. Rappaport, NMLS #21357
Manager — Affinity Lending
Berkshire Bank — America’s Most Exciting Bank®
Life is exciting. Let us help.

For more information contact the UFT Liaison listed below:

Jason Rappaport
TEXT or Call: 516-351-8040


  1. UFT / NYSUT members may be eligible for bank portfolio program which may offer lower interest rates
  2. FREE Priority Buyer Letter which may provide you with more leverage with your realtor than a simple pre-qualification letter
  3. FasTTrack program available to UFT/NYSUT members when your transaction requires a FAST approval and/or closing
  4. Access to DOWN PAYMENT ASSISTANCE programs that may enable you to save money on your purchase
  5. LOW down payment options with minimal closing costs


  1. Debt consolidation – Use your home equity to consolidate your credit cards, student loans, and other debts into one low monthly payment
  2. Home improvements – Use your home equity to make home improvements to your home
  3. Cash out – Use your home equity to pay tuition for yourself, your children, or other purposes such as buying an investment property or a second home


  1. Lower your current interest rate and monthly payment
  2. Reduce your mortgage from a 30 year loan to a 20 or 15 year loan which can save you hundreds of thousands of dollars of interest


Federal Savings Bank logo


Jerry Willard
Senior Vice President
NMLS #589982

The Federal Savings Bank
395 N. Service Road, Suite 407W
Melville, NY 11747

Cell: (516) 430-5573
Fax: (516) 430-5567

HAP is a mortgage benefit that provides you a service related to your home financing. Whether you are an aspiring or current homeowner you have access to:

  • A consultative approach tailored to your individual short and long-term home financing goals
  • Closing cost credits
  • Access to down payment assistance programs and other specialty loan programs not available through other banks
  • A full portfolio of loan products and programs to meet your needs
  • A dedicated team to guide you through the mortgage process from start to finish
  • Live and web based educational classes and seminars

For more information:

Loan Depot logo

Dan Moschetti NMLS #420643
Mortgage Loan Originator
Direct: 845-269-3700
Cell: 845-222-9844
Fax: 845-675-5076

520 White Plains Road
Tarrytown, NY 10591

Ann Marie Manfredi NMLS #58811

Mortgage Loan Originator
Direct: 914-586-1139
Mobile: 845-406-5218

loanDepot LLC
387 South Main Street, New City, NY 10956

Lifetime loanDepot Guarantee

loanDepot, LLC operates local branches across the nation offering a dynamic suite of lending products and programs for purchase and refinance transactions. Central to the Company’s success is its relationship-driven, referral-based lending platform and commitment to delivering a wide array of competitively priced loan products such as SONYMA, condo and co-op financing, renovation programs, jumbo loans and more. We work with each of our clients one-on-one to identify the products and services best suited to meet their financial needs. To learn more about our products, click here!

When you fund your home loan with loanDepot, you are automatically protected by our Lifetime loanDepot Guarantee¹. If the opportunity arises and you decide to refinance for any reason including cash-out, pay off debt or home improvements, loanDepot will waive all lender fees and reimburse appraisal fees on your refinance!

loanDepot Lifetime Guarantee: Refinancing is conditional on whether the program type or applicable state/federal laws contain “seasoning” restrictions that would make refinancing during a specific period legal. For example, waiting until after the 12th month may be required. This may not be redeemed within 180 days of the Date Issued. Your loan approval for the future refinance is not guaranteed. You must fully qualify for the selected refinance and meet all the requirements of the loan program you select at the time you apply for the refinance. The appraised value of your home for the future refinance is not guaranteed. There must be a full appraisal of your home when the new refinance is requested and the value at that time must be acceptable for the program and loan terms you request. Appraisal fees will be reimbursed at the closing of the refinance transaction. The interest rate for the future refinance is not guaranteed. You will have to qualify for the loan requested and will be quoted the interest rates in effect at the time of your next refinance. This program is only available to applicants who closed their previous loan with loanDepot and received a "loanDepot Lifetime Guarantee" certificate. Certificate must be presented in order to qualify for program. Future application must be made directly to loanDepot via the website or via telephone (888-263-1435) This document is non-transferable., LLC. 102 Elm Street, Walpole, MA 02081. All rights reserved. NMLS #174457 ( Licensed Mortgage Banker – New York State Department of Financial Services d/b/a, LLC.

Bank of America: Mortgage ad
Bank of America Home Loans
Retail Sales Manager
NMLS #420643
Mobile: (646) 373-1571
Office: (212) 850-2117



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