I’m Here To Help You
Financing a home doesn’t need to be stressful. I’m here to help you find the right home loan to fit your needs. Whether it’s a purchase, investment property, or a refinance, I strive to ensure the loan process runs efficiently and smoothly. My concentration on client comfort without the hassle and anxiety sets me apart. Ultimately, my focus on member service leads to satisfied clients with closed loans in the short term and promotes long-term financial success. I always have my borrower’s best interests at heart and make the efforts necessary to build a lasting relationship with every member.
Career Highlights
- 9+ years of mortgage experience in the Hudson Valley
- Five-star reviews on Zillow
Contact Scott
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Why Choose TEGFCU for Your Mortgage?
There’s no place like home. There’s no place like the Hudson Valley. And there’s no place like TEGFCU for your mortgage. We know that everyone’s needs are different when it comes to home financing. So, whether you are looking to purchase a primary residence, second home, or investment property or refinance to a lower rate, we will go the extra mile to find the best possible financing solution that is right for you.
We’re proud to be local, member-owned, and not-for-profit. When you buy your dream home, you can feel confident you’re getting a competitive interest rate from us. We believe that making a mortgage affordable means not surprising you with extra closing costs like some other lenders. Compare our closing cost to theirs.
Discover the TEG Difference – our friendly, knowledgeable people. Our Mortgage Officers are here to answer any questions and help you through every step of what can be an intimidating process. We want you to enjoy the experience of finding the perfect home. Buy with confidence today and have peace of mind knowing that your loan will close quickly and easily.
Conventional Mortgage & Refinance Rates
| Mortgage Type | Rate | APR | Points |
|---|---|---|---|
| 30 Year Fixed | 6.375% | 6.501% | 0.750% |
| 20 Year Fixed | 6.125% | 6.321% | 1.000% |
| 15 Year Fixed | 6.000% | 6.205% | 0.750% |
APR = Annual Percentage Rate. Rates effective as of 12/03/2024. All loans are subject to approval. APR assumes a $300,000 loan amount with escrows a FICO score of 760 or higher for a loan for an owner-occupied (primary residence), single-family dwelling in New York State with a loan-to-value ratio of 75% or less, and no cash-out.
For example, a 30-year, $300,000 conforming mortgage with a fixed APR of 6.501% has an approximate payment amount of $1,871.61. Real estate taxes, insurance, and private mortgage insurance (if applicable) are not included; therefore, the actual payment obligation will be greater. Your rate may vary based on your creditworthiness, loan amount, purpose, property type, occupancy, LTV, lock period, and other credit characteristics.
All rates and terms are subject to change without notice. No rate is guaranteed without a valid rate lock. A point is equal to 1% of the loan amount’s balance. Private mortgage insurance (PMI) is required on mortgages that exceed 75% loan-to-value (LTV). When refinancing, the maximum loan-to-value is 80% if you take cash out. Contact a TEG Mortgage Officer for further details. Other terms and conditions may apply.
Adjustable-Rate Mortgage (ARM) Rates
| Mortgage Type | Rate | APR | Points | First Cap | Subsequent Cap | Lifetime Cap |
|---|---|---|---|---|---|---|
| 5/6 SOFR ARM | 5.750% | 6.627% | 0.750% | +/- 2.00% | +/- 1.00% | +/- 5.00% |
| 7/6 SOFR ARM | 6.000% | 6.607% | 0.750% | +/- 5.00% | +/- 1.00% | +/- 5.00% |
APR = Annual Percentage Rate. Rates effective as of 12/03/2024. All loans are subject to approval. APR assumes a $300,000 loan amount with a FICO score of 760 or higher for a loan for an owner-occupied (primary residence), single-family dwelling in New York State with a loan-to-value ratio of 75% or less. Rates on 5/6 ARMs are fixed for the first five years and subsequently subject to change bi-annually. Rates on 7/6 ARMS are fixed for the first seven years and subsequently subject to change bi-annually.
For example, a 5/6 ARM at a fixed initial interest APR of 6.6327, would initially be $2,149.24 or a 7/6 ARM at a fixed initial interest APR of 6.607%, would initially be $1,798.65. Real estate taxes, insurance, and private mortgage insurance (if applicable) are not included; therefore, the actual payment obligation will be greater. After the initial fixed term, rates will adjust based on the index, Secured Overnight Financing Rate (SOFR), and a margin, not to exceed the initial, subsequent or lifetime change cap. Your rate may vary based on your creditworthiness, loan amount, purpose, LTV, lock period, and other credit characteristics.
All rates and terms are subject to change without notice. No rate is guaranteed without a valid rate lock. A point is equal to 1% of the loan amount’s balance. Private mortgage insurance (PMI) is required on mortgages that exceed 80% loan-to-value (LTV). Contact a TEG Mortgage Officer for further details. Other terms and conditions may apply.
Scott was a superstar during the home buying process! He was easy to reach and patient to ask my many, many questions. He truly had our best interest in mind. Would highly recommend him to anyone looking to secure a new loan!
Scott was a pleasure to work with. He was very responsive, always got back to us in a timely manner, educated us and gave us advice. I would, and do, recommend Scott to anyone I know applying for a mortgage.
Smooth, professional, stress-free experience. Closing took place in less than 90 days and our every need was promptly met. Scott and Ellen were wonderful. I highly recommend TEGFCU.
I would like to commend everyone at TEG federal credit Union for giving me the perfect financial product for my needs The team of professionals at TEG are simply the best in the business. From beginning to end and placement of my loan I could not have been more pleased If you’re looking for a loan of any type do yourself a favor and give them a call. You will Be extrememly pleased you did Thanks to everyone at TEG
Excellent experience from beginning to end, it was a pleasure working with Scott and the team! Thank you all.
Mortgage Resources
First-Time Home Buyer Webinar
First Wednesday of Every Month at 5:30 PM. Attend virtually and receive $500 OFF closing costs!
2nd Look Program
Pre-approved by another lender? TEG 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 $100.
Download our Free Guide
Get “The Comprehensive Guide to Finding, Buying and Financing a Home”. Learn how to get started and discover everything you need to know to help you buy a place you love – with a payment you can afford.
Mortgage FAQs
Have questions? We have answers.
We Do Business in Accordance with Federal Fair Lending Laws – Fair Housing Poster.
Home Mortgage Disclosure Act Notice – The HMDA data about our residential mortgage lending are available for review. The data show: Geographic distribution of loans and applications Ethnicity, race, sex, and income of applicants and borrowers Information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau’s website.
