Home Purchase Mortgages
for TCT Members in Saratoga County, NY and Surrounding Areas
Your home is one of the biggest investments you’ll make in your life. Whether you're purchasing a home or refinancing your mortgage, you can look to TCT Federal Credit Union for trusted guidance. | Your dream home is closer than you think! Whether you're just starting to explore your options or you're ready to make an offer, TCT Federal Credit Union is here to guide you every step of the way. With our trusted partnership with AmeriCU Credit Union, you’ll have access to competitive rates, personalized support, and tools that make the homebuying process easier than ever.
Why Pursue a Home Purchase Mortgage from Our Credit Union?
Because TCT Federal Credit Union and our partner, AmeriCU Credit Union are member-owned, not-for-profit financial institutions, we are uniquely structured to offer highly competitive interest rates and reduced fees compared with many traditional lenders. Members can enjoy many benefits, including lower borrowing costs, flexible term options, and more personalized underwriting approaches. This could allow you to qualify for more favorable loan terms, experience fewer add-on charges, and enjoy a more streamlined borrowing process.
In addition to financial advantages, our partnership with AmeriCU Credit Union delivers superior member service throughout the mortgage process. Our lending teams provide more individualized guidance and a relationship-based approach that extends beyond closing. We focus on long-term member well-being rather than short-term profit, which is reflected in our commitment to clear, transparent communication and comprehensive ongoing support. This combination of cost savings and relationship-driven service makes TCT Federal Credit Union an attractive choice for homebuyers in Saratoga County and beyond, who are looking for a trustworthy home purchase mortgage.
Homebuying Made Easy
To get started, you can request a mortgage quick quote, view current rates, or if you're ready, apply with one of TCT's dedicated Mortgage Executives.
Meet your dedicated AmeriCU Mortgage Executives
AnaMaria Lasher
Sr. AmeriCU Mortgage Executive
Phone: 315-356-3000 ext. 6023
Cell: 315-269-6726
anamaria.lasher@americu.org
NMLS# 1718893
Ana is serving TCT's Clifton Park and Ballston Spa branches.
APPLY FOR A MORTGAGE
Melissa Bradlinski
Sr. AmeriCU Mortgage Executive
Phone: 315-356-3000 ext. 6211
Cell: 315-982-8288
melissa.bradlinski@americu.org
NMLS# 1594826
Melissa is serving TCT's Cambridge and Queensbury branches.
APPLY FOR A MORTGAGE
Say Hello at a Branch Visit
AnaMaria and Melissa will be available to meet with TCT members and discuss their mortgage goals at monthly branch visits. Say Hello to AnaMaria at the Milton and Clifton Park branches. Melissa will visit the Cambridge and Queensbury branches.
The AmeriCU Mortgage App
- Seek pre-approval in minutes
- Securely scan & upload docs from your phone
- Message your loan officer instantly
- Get updates as you go
Mortgage Calculators
GreenPath Mortgage Amortization Calculator with Taxes and Insurance - Adjust the inputs to see how much your mortgage would cost over time.
GreenPath Mortgage Qualifier Calculator - See how much mortgage you can afford.
Home Mortgage Disclosure Act Notice: The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and 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 Web site (www.consumerfinance.gov/hmda). You may also inquire at TCT FCU, Lending Department, 416 Rowland St., Ballston Spa, NY regarding the locations where HMDA data may be inspected. NMLS# 643679
Homebuying Resources
