Save with this limited-time Mortgage offer.
$500 off Closing Costs when you attend our FREE Homebuyer Webinars
1st Wednesday of each month
Next one on 6/7/23 at 5:30 pm
Your Mortgage Center
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.
Trust TEGFCU For Your Mortgage Loan
Why Finance With TEG FCU
We take our responsibility to our members seriously. We’re proud to be local, member-owned, and not for profit.
Making a mortgage affordable means not surprising you with extra closing costs like some other loan products. Compare our closing cost to other lenders and Just Say No to Junk Fees. You won’t find them at TEG.
- ✓ No Application Fee
- ✓ No Origination Fee
- ✓ No Broker Fee
- ✓ No Processing Fee
- ✓ No Underwriting Fee
- ✓ No Mortgage Rate Lock Fee
- ✓ No Wire Transfer Fee
- ✓ FREE pre-approvals
Our experience was extraordinary. Jessica and the TEG team were incredible. They helped us from the moment we walked into the bank to after the closing was done. They were always available either via email or call. They made the process of buying our first home very pleasant. We are truly happy with the outcome and we love our home.
Mortgage Loans for the Way You Live
|Conventional Mortgages||FHA, VA, & USDA||First Time Homebuyers|
|Jumbo Mortgages||Portfolio Loans||Home Equity Loans|
|Construction to Perm Loans||Renovation Loans||Residential Lot Loans|
|Adjustable-Rate Mortgages (ARMs)|
Today's Featured Conventional Mortgage & Refinance Rates*
|30 Year Fixed||6.875%||6.931%||0.000%|
|20 Year Fixed||6.750%||6.823%||0.000%|
|15 Year Fixed||6.500%||6.589%||0.000%|
Today's Featured Adjustable-Rate Mortgage (ARM) Rates*
|Mortgage Type||Rate as low as||APR as low as||Points||First Cap||Subsequent Cap||Lifetime Cap|
|5/6 ARM||5.375%||6.557%||0.000%||+/- 2.00%||+/- 1.00%||+/- 5.00%|
|10/6 ARM||5.875%||6.395%||0.000%||+/- 5.00%||+/- 1.00%||+/- 5.00%|
Let Us Take a Second Look and Get $100
If you are pre-approved by another mortgage lender, TEGFCU would like the opportunity to provide you with our own pre-approval decision, so that you can compare lending institutions and to thank you for taking a second look we will give you $100.
Meet Our Mortgage Loan Officers
We are here to help you secure the loan approval you need! With an extensive background in mortgage lending, we are committed to helping you find the best possible financial solution. APPLY TODAY with one of our Mortgage Officers.
Get personalized, one-on-one service that is unequaled by other lenders.
Our Mortgage Loan Officers are here to help make the loan process as smooth as possible for you, and can help you:
• Compare your mortgage options
• Help you get pre-approved
• Complete your application
• Lock in your rate
• Get you to your closing with a smile
Our team has the expertise to walk you through these questions and more. We’ll start by getting to know you, then help you get you preapproved for the right loan so you know how much house you can afford. Our experienced staff will help you through the complicated mortgage process step by step.
Home Mortgage Resources
Closing CostsWith NO extra junk fees, TEG keeps your closing costs low. Learn More about Closing Costs
APR InformationEverything you need to know about Annual Percentage Rates. Learn About APRs about APR Information
Finance OptionsSee your options with financing with TEGFCU Mortgage Center See the Options about Finance Options
Document ChecklistHave everything you need? Make sure with our Document Checklist. View the Checklist about Document Checklist
Mortgage GlossaryA-Z Mortgage Terminology Read the Glossary about Mortgage Glossary
LIBOR TransitionWhat you need to know if your adjustable rate mortgage is based on the LIBOR Index. Learn More about LIBOR Transition
Mortgage FAQsHave questions? We have answers. Get Answers about Mortgage FAQs
Mortgage AssistanceIf you’re concerned about your ability to make your mortgage payment due to an unforeseen change in circumstances TEG may be able to offer assistance. Learn More about Mortgage Assistance
Who Can Apply
Membership is open to all those who live, work, worship or attend school in the New York Counties of Dutchess, Orange, Rockland, Putnam, Sullivan, Ulster and Westchester.