Home Sweet Loan

It's even sweeter when you know you have a great low rate and affordable payments!

Mobile Home Loans

Moving On Loans

Mortgages

Purchasing your dream home or refinancing your existing home has never been easier at TEGFCU!

Why Choose TEGFCU for Financing?

  • Great Competitive Rates
  • Low Closing Costs with No Junk Fees!
  • Local, In-House Processing & Underwriting
  • FREE Pre-Approvals

At TEGFCU we strive to give you the best home financing experience possible. With a variety of loan options and an established track record of great service, we will find the home loan that best suits your needs at a very competitive rate.

Whether you are looking for a traditional mortgage or need something a little outside the box, our lending experts will go the extra mile to find the financing that is right for you. 

In order to apply, you must either be a current member or become a member prior to closing.  TEG FCU Membership is open to all who live, work or worship in Dutchess, Orange or Ulster county in  NY and their immediate family.  In addition, if you are purchasing a primary residence in one of these counties you are eligible for membership.

house and magnifying glass

2nd Look Program

Let Us Take a Second Look and Get $50

If you are pre-approved by another lender, TEGFCU would like the opportunity to provide you with our own pre-approval decision, so that you can compare and to thank you for taking a second look we will give you $50.

Construction to Perm Loan

TEG’s Single Close Construction Loan is designed for a homebuyer to build their new home with just one loan – start to finish. Our convenient and simple one loan, two-step process lessens the paperwork and effort on your behalf. Build during the draw period (up to 12 months) and pay interest-only on the amount dispersed, then convert the construction loan into the permanent mortgage at the end of construction.


Home Equity Loans

Take advantage of your home’s value without having to sell it!

With our Fixed Rate Home Equity Line or Variable Rate Home Equity Line of Credit (HELOC), you can use the equity in your home to finance home improvements, consolidate debt, or perhaps take a much needed vacation. 

> Learn More About Home Equity Loans


Mobile Home Loans

If you need financing for a mobile home, you’ve come to the right place. TEG has partnered with First Credit Corporation to offer Mobile Home Financing:

  • Fast credit decisions (within 24 hours)
  • Long-term financing with low monthly payments
  • Low down payment
  • No prepayment penalty
  • Homeowner’s insurance packages

This financing is available for homes in mobile home parks only (no private or rented land).

To apply, visit any of our branch locations or call First Credit Corporation at (800) 562-6036 and let them know that you are a member of TEG.

Long-Term Lock

We build in peace of mind with our Extended Rate Lock program for as long as 9 months, so that you can focus on your home during new construction, and not worry about rates changing during the process. A long-term rate lock is a way for you to add a degree of certainty to your fixed rate conventional mortgage. Knowing that you can lock now, with a free one-time -float down option within 60 days of closing, will help minimize the stress of building your home.


Moving On Loans

Do you need to get out from underneath a home that’s worth less than what you owe on it? TEG can help with a Moving On Loan!

Moving On Loans are designed for members who:

  • Are upside down on their current mortgage
  • Want to move to a home that better suits their current needs
  • Have some money to put towards a down payment/closing costs on a new home but not enough to pay off a deficiency balance on the current home too
  • Don’t want to become a landlord

How It Works

Moving On Loans combine a mortgage for the new home you want to purchase with an unsecured loan so you can pay off the negative equity balance that may remain from the sale of your current home.

  • Terms up to 60 months
  • Amount depends on credit history and ability to pay

We’ll provide you a clear picture of what you’ll need to sell your home for, how much of an unsecured loan we can provide to pay the deficiency balance, and how much you’ll be able to borrow for the new home.

Get Pre-Approved

To get pre-approved, call one our Mortgage Loan Officers at (845) 452-7323 or visit any of our branch locations.

NMLS Registry List

NMLS (Nationwide Mortgage Licensing System & Registry) is the system of record for all federal registrations required of federally regulated mortgage loan originators. All TEG personnel who originate mortgage or home equity loans are required to be registered in the NMLS system and have been issued an NMLS number. Consumers can go to NMLS Consumer Access to obtain information on financial institutions and individual mortgage loan officers.

NMLS (Nationwide Mortgage Licensing System & Registry) is the system of record for all federal registrations required of federally regulated mortgage loan originators. All TEG personnel who originate mortgage or home equity loans are required to be registered in the NMLS system and have been issued an NMLS number. Consumers can go to http://www.nmlsconsumeraccess.org/ to obtain information on financial institutions and individual mortgage loan officers.

See Our List of Mortgage Loan Originators

Loan OfficerNMLS#
Mary AntenucciNMLS# 539587
Matthew D. BannanNMLS# 404022
Beverly S. BatesNMLS# 504741
Michael BethelNMLS# 8029
Stephanie CabreraNMLS# 1762372
Ashley ChanNMLS# 754565
Denise CruzNMLS# 753448
Linda DaltonNMLS# 539589
Leitha DickensNMLS# 1369685
Theresa L. DykmanNMLS# 556461
Sharon FarrellNMLS# 539590
Jacqueline (Jackie) J. FellinNMLS# 539592
James GreeneNMLS# 1629941
Abby HarmonNMLS# 1577948
Cori HicksNMLS# 1212782
James Elliot LentzNMLS# 539596
Patricia A. LipinskiNMLS# 539598
Maryann ManeriNMLS# 1148512
Walter ManriqueNMLS# 1585579
Malinda PollackNMLS# 752214
Kyle RichardsonNMLS# 1664495
Sharman RiedingerNMLS# 58577
Michael RobinsonNMLS# 1664505
Michelle RodriguezNMLS# 1037928
Jessica SchoenNMLS# 22486
Stephannie ShadNMLS# 491504
Cory ShapiroNMLS# 1148510
Jeffery B. Shields, Jr.NMLS# 1466211
Shannon L. ShoemakerNMLS# 741816
Heidi StrombergNMLS# 1473759
Lohana TarantinoNMLS# 1321780
Teresa TessierNMLS# 1577382
Sara VeronaNMLS# 539604
Shelby WatsonNMLS# 1577570
Chris YarussoNMLS# 539606