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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.


Bank of England Mortgage logo

Bank of England is the only FDIC Insured Bank offering “Educators First” to UFT & NYSUT Members

Purchasing

  • Reduced Interest Rates and PMI may be available through Government Programs to UFT/NYSUT members.
  • Get your mortgage commitment (FULL APPROVAL) before you start shopping for a home.
  • UFT / NYSUT members may be eligible for bank portfolio program offering competitive rates, terms and conditions.
  • Access to down payment assistance programs that may enable eligible buyers to save money on your purchase.
  • Free Pre-Approval for UFT/NYSUT members.
  • Expedited Processing available to UFT/NYSUT members when your transaction requires a quick approval and/or closing.
  • UFT / NYSUT members: No application fee, No processing fee, No underwriting fee, No lock in fee, No commitment fees, and NO BROKER FEES.

Home Equity

  • 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.

Refinance

  • 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.

For more information contact the UFT Liaison listed below:

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

Text or Call: 516-351-8040
Email: jrappaport@boemortgage.com

Citizens Bank: Equal Housing Lender icon

For informational purposes only. This is not a commitment to lend or extend credit. All loans are subject to credit approval including credit worthiness, insurability, and ability to provide acceptable collateral. In some instances, including but not limited to certain down payment assistance programs and brokered loans, some lender fees may be required. Not all loans or products are available in all states. Bank of England is not affiliated with any government agency or UFT or NYSUT. Bank of England Mortgage is a division of Bank of England. NMLS 418481. Member FDIC.


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
Email: daniel.moschetti@citizensbank.com

MANHATTAN
125 Park Avenue
18th floor
New York, NY 10017

ROCKLAND
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.

*UFT MEMBERS MAY BE ENTITLED TO A REDUCED INTEREST RATE AND/OR CLOSING COSTS*


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
Email: ksingh@thefederalsavingsbank.com
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.


AnnieMac Mortgage Logo

NOW AVAILABLE – State of New York Mortgage Agency (SONYMA) for Homebuyers!

  • Below Market Interest Rates Available!
  • 100% Financing Options
  • First Time Home Buyer? This is for You!

Ready to Make a CASH OFFER with Cash2Keys Program?!

  • Beat the Competition with a Cash Bid
  • Buy Your Next Home without Having to Sell First
  • Get Pre-Approved to Make Cash Offers

We Offer SOFT Credit Pulls!! – Click Here to Apply Now

  • Ask Us About Our Homestyle Renovation Loan!
  • Limited & FULL 203K Loans ALSO Available
  • Simplified Process with In-House Underwriting

Don’t Want to Move? IMPROVE!

  • Discount Lender Fees Available
  • Call Jerry Willard Today!
AnnieMac - Jerry Willard
Jerry Willard

Branch Manager - NMLS#: 589982
AnnieMac Home Mortgage
50 Charles Lindbergh Blvd 5th Floor Suite 503, Uniondale, NY, 11553
E: jwillard@annie-mac.com
O: 516-320-8220 | C: 516-603-2126
W: https://JerryWillard.annie-mac.com

Citizens Bank: Equal Housing Lender icon

American Neighborhood Mortgage Acceptance Company (dba AnnieMac Home Mortgage) is licensed by the New York State Department of Financial Services License #B501025. AnnieMac Home Mortgage (American Neighborhood Mortgage Acceptance Co. LLC) is not affiliated with the U.S. Department of Veteran’s Affairs, the U.S. Department of Housing and Urban Development, the U.S. Department of Agriculture or any other Federal Government Agency. ’Cash Offer’ and 'Buy Now, Sell Later' programs are fulfilled by AnnieMac Private Equity Cash2Keys, an affiliate of AnnieMac Home Mortgage. Cash2Keys is not a financial institution and does not originate or issue loan commitments. You must be pre-approved by Cash2Keys for the Cash Offer program’s income and collateral requirements. Once approved, the offer and purchase will be in the name of Cash2Keys. You must then purchase the home from Cash2Keys within 180 days. You are required to pay all transfer taxes associated with the purchase of the home. Visit Cash2Keys | AnnieMac Home Mortgage for terms and conditions on Cash Offer. For complete licensing information, please visit: www.annie-mac.com/page/licensing.