Mortgages In Westchester, NY

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

Trust TEG FCU For Your Mortgage Loan

  • Great Rates & Local Service

  • Low Closing Costs

  • NO Junk Fees

Why Finance With TEG FCU

We’re proud to be your local, member-owned, not for profit credit union. We exist to serve our members and take that responsibility seriously.

Our team of mortgage experts also live and work in the Hudson Valley. Not only do we a have a lot of knowledge about Westchester and the surrounding areas, but we also have a vested interested in our community.  We are dedicated to helping our neighbors and want to see you succeed as a homeowner here.

We offer you expertise, while also making your mortgage more affordable by not surprising you with extra closing costs or fees. Compare our closing cost to other lenders and Just Say No to Junk Fees. You won’t find them at TEG.

 

Not A TEG Member?  You can apply for a mortgage if you live, work, or worship in Dutchess, Orange, Ulster, Putnam, Sullivan, Westchester and Rockland Counties. If you are purchasing a primary residence in one of these counties you are eligible for membership. Learn More.

  1. No Application Fee

  2. No Origination Fee

  3. No Broker Fee

  4. No Processing Fee

  5. No Underwriting Fee

  6. No Mortgage Rate Lock Fee

  7. No Wire Transfer Fee

  8. FREE pre-approvals

Meet Our Mortgage Loan Officers

We are here to help you secure the loan approval you need! With an extensive backgrounds in mortgage lending, we are committed to making the process easy and to help you find the best possible financial solution. APPLY TODAY with either one of us.

Jessica Schoen Senior Mortgage Officer

NMLS#: 22486

JESSICA SCHOEN

Senior Mortgage Officer

I have many years of experience working with first time home borrowers so you can be confident I’ll help you find the mortgage loan best suited to your individual needs.

Matt Bannan

NMLS#: 404022

MATTHEW BANNAN

Senior Mortgage Officer

Home financing is one of the biggest decisions you will make. I’m here to answer your questions, find the right loan for your situation, and make the process as anxiety-free as possible.

What Our Members Say About TEG

★★★★★

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 Rehab Loans Residential Lot Loans

We also offer a 10-year mortgage with no closing costs. Borrower is responsible for prepaid items including interest, taxes and insurance if applicable. If loan is paid in full within 36 months, borrower will be responsible to pay $750 in closing cost recapture. An upfront appraisal fee may be required which will be refunded at closing.

Talk to a Mortgage expert & apply

Today’s Featured Conventional Mortgage & Refinance Rates*

Today's Featured Conventional Mortgage & Refinance Rates*

TermRateAPRPoints
30 Year Fixed3.500%3.548%0.000%
20 Year Fixed3.375%3.441%0.000%
15 Year Fixed2.750%2.833%0.000%
*These rate charts are as of 10/25/2021 based on a $250,000, 80% LTV loan amount with escrows, 740 FICO and 60 day lock period. Your individual rate may vary based on loan amount, purpose, credit, LTV, lock period and other credit characteristics. Please note that mortgage interest rates may change several times a day in reaction to market movement.



Mortgage Calculator

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Let Us Take a Second Look and Get $50

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 $50.

Learn More

Man with arm around woman while looking at a new house

Home Mortgage Resources

Closing Costs

With NO extra junk fees, TEG keeps your closing costs low. Learn More about Closing Costs

APR Information

Everything you need to know about Annual Percentage Rates. Learn About APRs about APR Information

Finance Options

See your options with financing with TEGFCU Mortgage Center See the Options about Finance Options

Document Checklist

Have everything you need? Make sure with our Document Checklist. View the Checklist about Document Checklist

Mortgage Glossary

A-Z Mortgage Terminology Read the Glossary about Mortgage Glossary

Mortgage FAQs

Have questions? We have answers. Get Answers about Mortgage FAQs

Home Loan Toolkit

Learn about your home loan. More Info about Home Loan Toolkit

Mortgage Calculators

See what matches your budget. Access the Calculators about Mortgage Calculators

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.