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


Federal Savings Bank logo ICC Mortgage - Union assist

Jason E. Rappaport
Regional Senior Vice President
NMLS number (21357)

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

(If you are a UFT member and need information, e-mail is the best method of contacting a liaison)

Cell: (516) 351-8040
Fax: (516) 430-5588


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

Robert Bisberg
NMLSR ID 422745

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. For more licensing, please visit

Mortgage ad: Citizens Bank logo

Successful home ownership starts with a conversation.

Whether you’re looking to buy your first home, looking for a new home, trading up or refinancing, our mortgage experts will guide you through your options and provide sound advice to help you choose the loan that’s right for you. Enjoy these advantages and more:

  • Free and fast pre-qualification. You’ll know how much home you can afford and have an added advantage as a qualified buyer.
  • Financing that fits your budget. We offer a wide range of competitive mortgage products – including fixed and adjustable rate mortgages, first-time home buyer products, jumbo loans, construction-to-permanent loans, tandem loan financing, FHA and VA loans and more.
  • Peace of mind. Citizens Bank has financial strength and stability you can trust.

It’s never too early to explore your options, so speak with our team today.

Brian Gallagher
Producing Sales Manager
NMLS ID# 481252
Phone: 212-857-6695

Mortgages are offered and originated by Citizens Bank, N.A. Citizens Bank is a brand name of Citizens Bank, N.A. (NMLS ID# 433960) and Citizens Bank of Pennsylvania (NMLS ID# 522615). Citizens Bank, N.A. and Citizens Bank of Pennsylvania are affiliates. All loans are subject to approval. Equal Housing Lender. 474761

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