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Mortgage Solutions

Welcome to SEFCU Mortgage Services. We look forward to putting our mortgage services to work for you.


Red house icon Purchase/Refiance

PURCHASE / REFINANCE

Whether you're a first-time home buyer, someone looking for
a home with more space, or a buyer who needs to downsize
we have a loan program that will fit your needs.

Red House New Construction-End Loan

NEW CONSTRUCTION - END LOAN

If you are building a home, we offer you the best
option to lock your interest rate for up to 9 months!

Red House Icon Reverse Mortgage

*REVERSE MORTGAGE

Eligible seniors, ages 62 and older who own and live in their
home. Make your "golden" years truly golden by putting to
work the home equity you've created.

 

*Only offered in the State of New York


Let's Get Pre-qualified

Apply Now For A Mortgage

Now that you've decided your next step, lets get you pre-qualified! 

There are a number of SEFCU Mortgage Services Mortgage  Loan Originators ready to help you get started.

Now that you found the home you've been looking for, let's find the right mortgage that suits your financial needs.

If you are already working with a Mortgage Loan Originator, click here to continue working with them directly, and apply online.

Get Pre-qualified
Apply Now

Mortgage Relief Options
Please see below for how we can help you. Call  518-451-2879 if you have questions or need assistance.

• If you are facing a hardship that may prevent you from making mortgage payments, you may be eligible for a forbearance. This is different from deferring your payments. An eligible hardship to qualify for forbearance is one of the following: unemployment, reduction in income, increase in housing expense, disaster impacting the property, long-term or permanent disability, divorce or legal separation, separation of borrowers unrelated by marriage, civil union, or similar domestic partnership under applicable law. If you meet one of the above criteria, please complete this form and we will get back to you.

Click here for more information on your options for repaying after your forbearance has ended.
For federally backed mortgages including, FHA, VA, USDA, Fannie Mae and Freddie Mac, SEFCU Mortgage Services must follow their guidelines, which are for forbearance programs. For additional information:  
    o CFPB: https://www.consumerfinance.gov/about-us/blog/guide-coronavirus-mortgage-relief-options/
    o Freddie Mac: https://myhome.freddiemac.com/own/getting-help-disaster.html
    o Fannie Mae: https://www.knowyouroptions.com/covid19assistance

 

Sincerely,

Robert MacLasco

President of SEFCU Mortgage Services

For refinance and new inquiries email, sales@sefcumortgageservices.com or call 518-783-1234 and a SEFCU Mortgage Services Mortgage Loan Originator will be available to help.


COVID-19 Mortgage Update

The health and safety of our borrowers, as well as the social responsibility to slow the spread of this virus, are our top priorities. As such, SEFCU Mortgage Services has taken the following measures to do our part:

Many loans are eligible for desktop, exterior only or automated valuation. You’re Mortgage Officer will advise you if your loan requires and inspection.

If your loan requires an interior inspection please know that our appraisers will wear a mask and gloves during the inspection for your safety and theirs. We ask that you maintain social distancing during the inspection.

Closings are taking place at various locations, utilizing vestibules and window partitions combined with phone and intercom communications.

Thank you for your cooperation.


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Copyright © 2018 SEFCU Mortgage Services
SEFCU Mortgage Services is a wholly owned subsidiary of SEFCU. Licensed Mortgage Banker - NYS Department of Financial Services
NMLS Company ID - 309847

Mortgage Servicing Questions Only

 

Mortgage Loan Servicing Help Center

Main Number 518-783-1234

 

Existing Mortgage Servicing Questions 518-464-5378

General Mortgage Servicing Inquiries via email:

smsloanservicing@sefcu.com

 

Existing Escrow Account 518-783-1234 ext. 4006

General Escrow inquiries via email:

realestateescrow@sefcu.com

 

Mon - Fri 8:00am - 5:00pm EST

Copyright © 2018 SEFCU Mortgage Services
SEFCU Mortgage Services is a wholly owned subsidiary of SEFCU. Licensed Mortgage Banker - NYS Department of Financial Services
NMLS Company ID - 309847