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Mortgage discounts

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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.

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  • Reduced Interest Rates and PMI may be available through Government Programs to UFT/NYSUT members.
  • UFT / NYSUT members may be eligible for bank portfolio program offering competitive rates, terms and conditions.
  • Free Pre-Approval for UFT/NYSUT members.
  • Expedited Processing available to UFT/NYSUT members when your transaction requires a quick approval and/or closing.
  • Access to down payment assistance programs that may enable eligible buyers to save money on your purchase.
  • Programs for self-employed borrowers with reduced income verification requirements available.

Home Equity Loans

  • Debt consolidation – Use your home equity to consolidate your credit cards, student loans, and other debts into one low monthly payment*
  • Home improvements – Use your home equity to make home improvements to your home
  • 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


  • Lower your current interest rate and monthly payment
  • Reduce your mortgage term which can save you interest by paying off the mortgage sooner

Refinance to Lower Your Interest Rate and/or Eliminate PMI

  • Lower your current interest rate and monthly payment.
  • Reduce your mortgage term which can save you interest by paying off the mortgage sooner.
  • Reduce or eliminate expensive PMI which you may have on your current mortgage.

Refinance to Consolidate or Make Home Improvements

  • Use your equity to consolidate date while simultaneously reducing your interest rate.
  • Use your equity to do home improvements.
  • Use your equity to help pay for tuition.

For more information contact the UFT Liaison listed below:

Jason E. Rappaport
Manager — Strategic Lending Division
NMLS #21357

Text or Call: 516-351-8040

Citizens Bank: Equal Housing Lender icon

INLAND HOME MORTGAGE NMLS #402498 Information is subject to change without notice. This is not an offer for extension of credit or a commitment to lend. Terms and Conditions may apply. Subject to credit approval. The Inland name and logo are registered trademarks being used under license. *This does not constitute a pre-preapproval as defined under Regulation B and HMDA Regulation C.

*Debt consolidation does not pay off the debt, please consult a financial advisor regarding the effect of consolidating short-term debt into long-term debt

Citizens Bank - logo

Buying or refinancing a home can sometimes feel a little overwhelming, which is why we take a personal approach to the borrowing experience. At Citizens Bank, we’ll work hand-in-hand with you during the mortgage process – discussing your goals, budget and answering your questions with the expert advice you expect from a top 15 lender.

We are pleased to offer:

So no matter where you are in the home ownership journey – buying a first home, moving up, sizing down or refinancing an existing home – we’ll make sure you get the information you need about the mortgage process to see your way forward with confidence.

Ask a Citizens how to get started:

Dan Moschetti
Sales Manager, NMLS ID# 420643

Cell: (845) 222-9844

125 Park Avenue
18th floor
New York, NY 10017

49 Maple Avenue
New City, NY 10956

*Citizens Bank consumer checking account set up with automatic monthly mortgage payment deduction required at time of loan origination to be eligible for the 0.125 percentage point rate discount. One offer per property. Not applicable to Bond or CRA loan programs. Other exclusions and restrictions may apply. Checking account must have sufficient funds to cover the mortgage payment amount at time of automatic payment deduction in order to avoid potential overdraft fees and late mortgage payment charges. Customers should refer to their account agreement(s) for more information. 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.

Citizens Bank: Equal Housing Lender icon

Equal Housing Lender. © 2018 Citizens Financial Group, Inc. All rights reserved.


Bank of America logo
Bank of America Home Loans
Retail Sales Manager
NMLS #481252

Office: (212) 850-2117
Mobile: (646) 828-8845

As a New York City area homebuyer, you may be eligible to receive up to $7500 toward closing costs* Please call or email us to discuss eligibility for America’s Home Grant and other mortgage products and programs you may qualify for. Please contact or call (212) 850-2117 with any questions you may have.


Federal Savings Bank logo

Jerry Willard
Senior Vice President
NMLS #589982

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

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

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: