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

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

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

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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