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

ICC Mortgage Services

Union Assist Mortgage Program for First-Time Homebuyers and Current Homeowners

Federal Mortgage Program for Educators

The Mortgage Program may enable you to obtain a substantially lower interest rate than a conventional mortgage program. ICC Mortgage Services provides assistance for all types of mortgage transactions whether you are purchasing a new home, refinancing your current home, commercial lending, home equity lines of credit as well as many other specialized lending products. Since ICC Mortgage Services is a Direct Lender, we have the ability to make the credit decision on your loan which allows us to take special circumstances into account such as past credit problems that arose from extenuating circumstances.

Union Assist Program

  • No mortgage broker fees
  • No origination fees
  • No points
  • No processing fees
  • No underwriting fees

Purchasing: Superior interest rates, 100% financing available, and free pre-qualification

Refinancing: Save up to $1000 per month, consolidate debt, and lower your interest rate

ICC Mortgage Services offers many other lending programs other than Union Assist.

Visit for more information.

ICC Mortgage Services - Community Lending Division
1600 Stewart Avenue, Suite 404
Westbury, New York  11590

For questions or concerns contact:

UFT/NYSUT Liaison: Jason Rappaport
800-500-6323 or via: e-mail at

Paid advertising

Union Plus

“Learn more about benefits available through the Union Plus Mortgage program”

Wells Fargo Home Mortgage

Click here to contact your local Union Plus Mortgage specialist

Ann Marie Manfredi

NMLSR ID 58811


Daniel Moschetti

NMLSR ID 420643




Paid Advertising

Mortgage Banner Ad: Homestead Funding

Homestead Funding Corp.

Homestead is a full service mortgage bank that is big enough to deliver the best of what the industry can offer, but small enough to give attention to your individual goals, concerns and dreams. With one of the most diversified portfolios of products in the area we have the capability to offer a multitude of services in one friendly package. Homestead Funding Corp. supports the efforts of NYSUT and UFT and we are proud to offer their members the following benefits:

Whether purchasing, refinancing, or building a home the following program benefits can apply.

  • Homestead Funding CLOSING COST CREDIT..........Save $200
  • Homestead Funding's Appraiser, will REDUCE THE APPRAISAL FEE..........Save $75
  • Homestead Funding's bank attorney, will REDUCE THE SETTLEMENT FEE..........Save $245
  • Total Savings....................$520

Mary Jo Traversone
Branch Manager
Cell: (716) 696-0036 (PREFERRED)
Office: (716) 932-7863 x113
Fax: (716) 932-7871

Homestead Funding Corp
5684 Main Street (Carriage House)
Williamsville, NY 14221

Please see the link below to go to the partner portal.

Username: NYSUT-UFT
Password:  hfcbenefits


Licensed Loan Originator NMLS #589509/Company NMLSR#3232
New York State Banking Department; NJ Department of Banking and Insurance #894554; Licensed in FL #MLD425 (Loan Originator License #19202)

First Choice Loan Services

First Choice Loan Services Inc.

First Choice Loan Services Inc. provides a wide range of mortgage products including FHA and VA loans, fixed and adjustable rate mortgages, refinancing options, Jumbo loans, and renovation mortgages.

Having recently been recognized as one of the Top 100 Mortgage Companies in America by Mortgage Executive Magazine and a Top Tech Savvy Lender and Servicer by Mortgage Technology Magazine, we are well prepared to begin working with you on home financing needs.

For more information on home financing options and benefits, contact:

Stephen Edenbaum
Senior Loan Originator
NMLS #: 54685
First Choice Loan Services Inc. (NMLS #: 210764)
a wholly owned subsidiary of First Choice Bank (NMLS #: 177877)

500 Campus Drive, Suite 102
Morganville, NJ 07751
Phone: 609-472-1217
Fax: 267-464-7573
Hours: 7AM - 11PM (including weekends)


Stephen Edenbaum’s dedication to his clients includes:

  • Customer Service is his #1 priority
  • Works hard to find you a great rates
  • Ability to lend nationwide (except NH and AR)
  • Provides consistent communication with the borrower
  • Available 7AM-11PM Daily (inclusive of weekends)
  • Apply on-line (20 minutes)
  • Same day Pre-Qualification Certificate


Citibank logo


We can help make your homebuying process easier.

It’s a great time to take advantage of Citibank’s mortgage program benefits. Our Home Lending Officers look forward to helping you choose the right mortgage program for where you are, and where you’re going.

  • SureStart Pre-Approval1: Shop with confidence, knowing your financing is secure.
  • On-Time Closing Guarantee2: You can rest assured that your loan will close on time with our $1,500 on-time closing guarantee.

To learn more about working with Citibank, please contact:

Brian Gallagher
Vice President, Producing Lending Manager
601 Lexington, 4th Floor
New York, NY 10022
NMLS# 481252

Terms, conditions and fees of accounts, programs, products and services are subject to change. This is not a commitment to lend. All loans are subject to credit and property approval. Certain restrictions may apply on all programs.

Offer cannot be combined with any other mortgage offer.

1 SureStart is a registered service mark of Citigroup Inc. Final commitment is subject to verification of information, receipt of a satisfactory sales contract on the home you wish to purchase, appraisal and title report, and meeting our customary closing conditions. This offer is not a commitment to lend and is subject to change without notice. There is no charge for the SureStart pre-approval, but standard application and commitment fees apply.

2If you are purchasing a home, we guarantee to close by the date specified in the purchase contract, unless prohibited by federal law*, and further provided that the date is at least 30 days after the application date and the date of the purchase contract. If the loan fails to close on time due to a delay by Citibank, you will receive a credit towards closing costs of $1,500. Offer not available for refinance loans, co-ops, unapproved condos, residences under construction, community lending loans, and government loans. In Texas, the credit may not result in your client receiving cash back. (*Federal law requires certain disclosures be delivered to the borrower at least 3 business days before consummation. The guarantee to close does not apply if such disclosures are required and the closing is delayed due to the 3 business day waiting period.)

© 2014 Citibank, N. A. equal housing lender, member FDIC. NMLS# 412915. Citi, Citibank, Arc Design and Citi with Arc Design are registered service marks of Citigroup Inc.

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