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.

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.

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

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. 

Upcoming Branch Visit: Typically on the 15th of the month, Ana visits the Milton and Clifton Park branches, alternating each month. Melissa visits the Cambridge and Queensbury Branches, alternating each month. Check with your local branch to find the exact date and location.

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 Calculator

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

Homebuyer Counseling

FAQs