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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.

Inland Bank banner


  • 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.


Federal Savings Bank logo

The Federal Savings Bank isn't just a bank - we're mortgage experts! With lending in 50 states, a large variety of programs, and amazing technology - we'll make your homebuying process a breeze.

Your All State Lender

  • As a federally chartered bank, we can lend in all 50 states.

  • Whether you're a first time homebuyer, relocating and moving upstate, moving out of state, or buying a second home out of the city - we can help!

Unmatched Programs

  • We're a large bank that operates like a correspondent lender, giving us the ability to offer a large variety of programs for our clients including:

    • Conventional
    • FHA
    • VA
    • Jumbo
    • SONYMA & more!
  • Down payment assistance programs are available to help buyers remove the barrier of down payment.

    • Programs like SONYMA's Down Payment Assistance Loans in New York, give us the ability to give our clients the support they need.

  • We're also a Fannie, Freddie, & FHA direct lender and our rates are low!

Cutting-Edge Technology

  • Our online application portal allows borrowers to complete their loan application, upload documents, and sign their initial loan application documents electronically.

  • Snap E-Close turns your coffee table into your closing table! This program allows clients to close 100% online for a contactless closing. During the process, we'll be just a phone call away to help guide you through the steps.

To learn more about how The Federal Savings Bank can help you - call us today!

Keshav Singh
Vice President, NMLS #191674
Office: (516) 430-5719
Cell: (917) 371-1138
Website: The Homeownership Advantage Program

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

Terms and conditions may vary. Subject to underwriting approval.

Cross Country Mortgage Ad

Major savings up to $2,198* when you buy or refi!

CrossCountry Mortgage is proud to offer the hardworking members of UFT/NYSUT the Preferred Mortgage Savings Plan. You’ll get mortgage education and guidance, and best of all, a lender credit of up to $2,198* towards closing costs on a home purchase or refinance. We offer this benefit to your family members too!

With our FastTrack Credit Approval Process, we will provide you with a fully underwritten credit approval before you select the home you want to buy. This could help you close in as few as 10 days after a signed purchase contract.

FastTrack gives you more purchasing power in a competitive market, decreases the cycle time from application to closing, and provides all parties with peace of mind, knowing you are a fully qualified borrower and there will be no surprises!

We are now offering our Lock Before You Look program and Bridge Loans if you need to access the equity in your existing home before you sell.

Get started today by calling Brian Gallagher - NMLS 481252 at 646.989.0288 or emailing:

For more details or to apply now for a loan or pre-approval, please visit:

Equal Housing Opportunity. All loans subject to underwriting approval. Certain restrictions apply. Call for details. CrossCountry Mortgage, LLC. NMLS3029 ( Licensed by the New Jersey Department of Banking and Insurance. Licensed Mortgage Banker – New York State Banking Department. Rhode Island Licensed Lender.
*Terms & Conditions: This is not a commitment to lend. All loans subject to program guidelines and underwriting approval. Loan program terms and conditions are subject to change without notice. Available for first lien mortgage purchase money loans or refinance loans only, subject to certain minimum loan amounts. Discounts will be applied at closing as a lender credit up to a maximum of $2,198, limitations may apply. Borrower cannot receive cash at closing. Only one offer per loan transaction will be accepted. No cash value. Available only on loans originated by CrossCountry Mortgage, LLC. Borrower must mention the program at the time of application. CrossCountry Mortgage, LLC has the right to accept, decline, or limit the use of any discount or offer. Copyright© 2021 CrossCountry Mortgage, LLC.