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Mortgage & Refinance

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Primary Fixed Rate Mortgage

Lock in your interest rate and monthly payments.3 for the life of your mortgage loan. Enjoy the benefits of borrowing from a local bank that services every mortgage in-house.

Features & Benefits

  • Available for loan amounts up to $999,999.00.2
  • Contact us for rates for loan amounts of $1,000,000.00 and above.
  • Only primary residence co-ops qualify, regardless of loan amount (up to $999,999.00).
  • Up to 75% loan-to-value ratio for purchases.

  • No penalty for additional principal payments or early loan payoffs.

Why Maspeth Federal Savings?

As a mutual bank, we're different from other banks, and our home loans are too. First, we offer 15-, 20- and 30-year fixed rate mortgage loans. So the rate you lock in at closing, is the rate for the life of the loan. Second, our mortgages are based on occupancy. If it's your primary residence, that means you own and live in it. If it's an investment property, that means you rent it out or it's your second home. Third, we service every mortgage in house. Bank local. Bank smart. Bank Maspeth.


Effective Date: 8/28/2026

TermRateAPR1PointsProperty2Monthly Payment per $1,000 Borrowed
15 Years6.00%6.014%NonePrimary 1 & 2 Family Homes, Condominiums & Coops180 monthly payments of $8.44
15 Years7.00%7.015%NonePrimary 3- to 4-Family Homes180 monthly payments of $8.99
20 Years6.25%6.261%NonePrimary 1 & 2 Family Homes, Condominiums & Coops240 monthly monthly payments of $7.31
30 Years 6.50%6.509%NonePrimary 1 & 2 Family Homes, Condominiums & Coops360 monthly payments of $6.32
30 Years7.50%7.509%NonePrimary 3- to 4-Family Homes360 monthly payments of $6.99
Get Pre-ApprovedApply NowDo the Math

1APR = Annual Percentage Rate.

2Available for loan amounts up to $999,999.00. Contact us for rates for loan amounts of $1,000,000.00 and above. Co-ops must be primary residence and are available for loans up to $999,999.00. Up to 75% loan-to-value for purchases, 70% loan-to-value for refinances.

3 Does not include escrow fluctuations. Payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater. 

Terms and rates are subject to change without notice. Rates are for informational purposes only and are not binding until a formal commitment has been issued. Maspeth Federal Savings is an Equal Housing & Equal Opportunity Lender.

First-Time Homebuyer Program

Maximize the excitement and minimize the stress of buying your first home with out First-Time Homebuyer Program.2 Our team will be there every step of the way to help you navigate the process and make smart decisions. We are offering a 0.25% discount off our current rate.3

 **An additional 0.25% discount can be obtained by opening a checking account with us or using an existing one, and enabling Mortgage Autopay.

Features & Benefits

  • Available to potential borrowers who have not owned any properties in the last three years.
  • Applies only to fixed-rate mortgages on primary one- or two-family houses, condominiums and co-ops.
  • Maximum purchase price of $999,999.00 for single-family, two-family, condominiums and co-ops.
  • Minimum down payment of 15% - 19% required.4 Private Mortgage Insurance (PMI) is also required.

  • No penalty for additional principal payments or early loan payoffs.


Effective Date: 8/28/2026

TermRate APR1PointsProperty2Monthly Payment Per $1,000.00 Borrowed
15 Years5.75%5.764%NonePrimary 1 & 2 Family Homes, Condominiums & Coops180 monthly payments of $8.30
20 Years6.00%6.011%NonePrimary 1 & 2 Family Homes, Condominiums & Coops240 monthly payments of $7.16
30 Years6.25%6.259%NonePrimary 1 & 2 Family Homes, Condominiums & Coops360 monthly payments of $6.16
Get Pre-ApprovedApply NowDo the Math

1APR = Annual Percentage Rate.

2 First-Time Homebuyer Program is available for purchase of primary single-family and two-family homes, condominiums & co-ops with maximum purchase price of $999,999.00.  

3 You will receive 0.25% discount on interest rate (discount has already been applied to the rate shown). 

4 Down payment of 15% to 19% will require private mortgage insurance (PMI).

** Eligible borrowers may qualify for an additional 0.25% rate reduction by opening or using an existing MFS checking account and enabling Mortgage Autopay. Opening or maintaining an eligible checking account with Mortgage Autopay is not required to obtain credit. However, applicants who choose not to open or maintain an eligible checking account with Mortgage Autopay will not receive the additional 0.25% rate reduction.

Payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater. 

Terms and rates are subject to change without notice. Rates are for informational purposes only and are not binding until a formal commitment has been issued. Maspeth Federal Savings is an Equal Housing & Equal Opportunity Lender.

First Responder & Military Discount Program

We honor the dedication and sacrifice of first responders and military personnel by offering a dedicated program.2 that recognizes their service. This program includes a 0.25% mortgage rate discount.3

**An additional 0.25% can be obtained by opening a checking account with us or using and existing one, and enabling Mortgage Autopay.

Features & Benefits

  • Available to police officers (NYPD, MTA, EMT, Port Authority, state & local police), fire fighters (including volunteer), correctional officers and military (active, reservists and veterans).4
  • Applies only to fixed-rate mortgages on primary one- or two-family houses, condominiums and co-ops.
  • Maximum purchase price of $999,999.00 for single-family, two-family, condominiums and co-ops.
  • Minimum down payment of 15% - 19% required.5 Private Mortgage Insurance (PMI) is also required.

  • No penalty for additional principal payments or early loan payoffs.


Effective Date: 8/28/2026

TermRateAPR1PointsProperty2Monthly Payment Per $1,000.00 Borrowed
15 Years5.75%5.764%NonePrimary 1 & 2 Family Homes, Condominiums & Coops180 monthly payments of $8.30
20 Years6.00%6.011%NonePrimary 1 & 2 Family Homes, Condominiums & Coops240 monthly payments of $7.16
30 Years 6.25%6.259%NonePrimary 1 & 2 Family Homes, Condominiums & Coops360 monthly payments of $6.16
Get Pre-ApprovedApply NowDo the Math

1APR = Annual Percentage Rate.

2 First Responder and Military Loan is available for purchase of primary single-family and two-family homes, condominiums & co-ops with maximum purchase price of $999,999.00. 

3 You will receive 0.25% discount on interest rate (discount has already been applied to the rate shown). 

4 Eligible First Responders are police officers (NYPD, MTA, EMT, Port Authority, state and local police), fire fighters (including volunteers), correctional officers, military (active, reservists and veterans). Evidence of employment is required.

5 Down payment of 15% to 19% will require private mortgage insurance (PMI).

** Eligible borrowers may qualify for an additional 0.25% rate reduction by opening or using an existing MFS checking account with Mortgage Autopay. Opening or maintaining an eligible checking account with autopay is not required to obtain credit. However, applicants who choose not to open or maintain an eligible checking account with Mortgage Autopay will not receive the additional 0.25% rate reduction.

This discount may not be combined with any other discounts, offers and/or promotions.

Does not include escrow fluctuations. Payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater.

Terms and rates are subject to change without notice. Rates are for informational purposes only and are not binding until a formal commitment has been issued. Maspeth Federal Savings is an Equal Housing & Equal Opportunity Lender.

Investment Property

Found a great investment opportunity? Lock in your rate and payments.4 for the life of your mortgage loan.

Features & Benefits

  • Available for loan amounts up to $999,999.00.2
  • Up to 75% loan-to-value ratio for purchases.
  • $550 non-refundable application fee on loans for investment properties.3

  • No penalty for additional principal payments or early loan payoffs.


Effective Date: 8/28/2026

TermPointsRateAPR1Property2,3Monthly Payment per $1,000 Borrowed
15 YearsNone7.00%7.015%Investment Property 1- to 4-Family & Investment Condominium180 monthly payments of $8.99
30 YearsNone7.50%7.509%Investment Property 1- to 4-Family & Investment Condominium360 monthly payments of $6.99
Get Pre-ApprovedApply NowDo the Math

1APR = Annual Percentage Rate.

2 Available for loan amounts up to $999,999.00. Contact us for rates for loan amounts of $1,000,000.00 and above. Co-ops must be primary residence and are available for loans up to $999,999.00. Up to 75% loan-to-value for purchases, 70% loan-to-value for refinances.

3 $550.00 non-refundable application fee is required on investment properties.

4  Does not include escrow fluctuations. Payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater. 

Terms and rates are subject to change without notice. Rates are for informational purposes only and are not binding until a formal commitment has been issued. Maspeth Federal Savings is an Equal Housing & Equal Opportunity Lender.

Refinancing Loan

Lower your interest rate, reduce your monthly mortgage payment.4 and maybe even pocket some extra money. Whether it's your primary residence, second home or investment property, you'll enjoy the benefits of a fixed-rate refinancing loan from a local bank that services every mortgage in-house.

Features & Benefits

  • Available for loan amounts up to $999,999.00. Contact us for rates for loan amounts of $1,000,000.00 and above.2 Co-ops must be primary and are available for loans up to $999,999.00
  • Only primary residence co-ops qualify, regardless of loan amount (up to $999,999.00).
  • Up to 70% loan-to-value
  • $550 non-refundable application fee on loans for investment properties.3

  • No penalty for additional principal payments or early loan payoffs.


Effective Date: 8/28/2026

TermRateAPR1PointsProperty2Monthly Payment Per $1,000.00 Borrowed
15 Years6.00%6.014%No pointsPrimary 1-2 Family Homes, Primary Condominiums & Coops180 monthly payments of $8.44
15 Years7.00%7.015%No pointsInvestment Property3 1- to 4-Family & Primary 3- to 4-Family Homes & Investment Condominiums180 monthly payments of $8.99
20 Years6.25%6.261%No pointsPrimary 1 & 2 Family Homes, Primary Condominiums & Coops240 monthly payments of $7.31
30 Years6.50%6.509%No pointsPrimary 1 & 2 Family Homes, Primary Condominiums & Coops360 monthly payments of $6.32
30 Years7.50%7.509%No pointsInvestment Property3 1- to 4-Family & Primary 3- to 4-Family Homes & Investment Condominiums360 monthly payments of $6.99
Apply NowDo the Math

1APR = Annual Percentage Rate.

2 Available for loan amounts up to $999,999.00. Contact us for rates for loan amounts of $1,000,000.00 and above. Co-ops must be primary residence and are available for loans up to $999,999.00. Up to 75% loan-to-value for purchases, 70% loan-to-value for refinances.

3 $550.00 non-refundable application fee is required on investment properties.

4 Does not include escrow fluctuations. Payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater. 

Terms and rates are subject to change without notice. Rates are for informational purposes only and are not binding until a formal commitment has been issued. Maspeth Federal Savings is an Equal Housing & Equal Opportunity Lender.

Start or Manage Your Mortgage Application

Already started your mortgage application? Log in to your Consumer Connect account anytime to check the status of your application or review your documents.

Ready to apply for your mortgage? Click the How to Apply button to find out what you need and how to complete the application.

Manage My Mortgage ApplicationHow to Apply

Jump to a Product

  • Loan Title
  • Term
  • Rate
  • APR1
  • Points
  • Property Type2
    • Primary Fixed Rate Mortgage
    • 15 Years, 20 Years, 30 Years
    • 6.00%, 6.25%, 6.50%
    • 6.014%, 6.261%, 6.509%
    • None
    • Primary 1- & 2-Family Homes, Primary Condominiums & Co-ops
    • Primary Fixed Rate Mortgage
    • 15 Years, 30 Years
    • 7.00%, 7.50%
    • 7.015%, 7.509%
    • None
    • Primary 3- to 4-Family Homes
    • Investment Property
    • 15 Years, 30 Years
    • 7.00%, 7.50%
    • 7.015%, 7.509%
    • None
    • Investment Property 1- to 4-Family3 & Investment Condominium
    • Refinancing Loan
    • 15 Years, 20 Years, 30 Years
    • 6.00%, 6.25%, 6.50%
    • 6.014%, 6.261%, 6.509%
    • None
    • Primary 1- & 2-Family Homes, Primary Condominiums & Co-ops
    • Refinancing Loan
    • 15 Years, 30 Years
    • 7.00%, 7.50%
    • 7.015%, 7.509%
    • None
    • Investment Property 1- to 4-Family3 & Primary 3- to 4-Family Homes & Investment Condominiums

    1APR = Annual Percentage Rate

    2Available for loan amounts up to $999,999.00. Contact us for rates for loan amounts of $1,000,000.00 and above. Co-ops must be primary residence and are available for loans up to $999,999. Up to 75% loan-to-value for purchases, 70% loan-to-value for refinances.

    3$550.00 non-refundable application fee is required on investment properties.

    Terms and rates are subject to change without notice. Rates are for informational purposes only and are not binding until a formal commitment has been issued. Maspeth Federal Savings is an Equal Housing & Equal Opportunity Lender.

    Mortgage Autopay

    Our free automatic loan payment service allows you to set it and forget it. All you need is a Maspeth Federal Savings Checking or Statement Savings account. 

    Just contact our Member Support team via the Contact Us form or Live Chat button (bottom right corner of screen) to request the application or stop by your local branch for assistance.

    Please note:

    • Automatic withdrawals of your monthly mortgage payment on the 8th of each month1
    • Withdrawals of home improvement loans are on a designated due date2
    Contact Usabout Automatic Loan Payment

    1A Maspeth Federal Savings checking or Statement Savings Account is required to set up automatic loan payments. Please note: If your account has insufficient funds on your final loan payment due date, the next request for payment will automatically include any applicable late charges.

    2If the designated payment date falls on a weekend or holiday, the payment will be made on the next business day.

    Our primary lending area consists of the five NYC boroughs (Manhattan, Queens, Brooklyn, Bronx, and Staten Island), Nassau, Suffolk, and Westchester Counties. Terms and rates are subject to change without notice. Rates are for informational purposes only and are not binding until a formal commitment has been issued. Maspeth Federal Savings is an Equal Housing & Equal Opportunity Lender and generates loans without regard to race, color, religion, national origin, sex including gender, gender identity, sexual orientation and disability.

    Meet the Lenders

    Our mortgage lenders know the local market and will work with you to find a solution that fits your budget and lines up with your financial goals.

    Vicky Kulma

    Vice President & Mortgage Origination Manager, NMLS#641258

    Phone: (718) 651-7888

    William Wong Profile Picture

    William Wong

    Vice President & Assistant Mortgage Origination Manager, NMLS#1209056

    Phone: (718) 651-7888

    Dorota Jankowski profile photo

    Dorota Jankowski

    Senior Bank Officer & Mortgage Origination Supervisor, NMLS#677545

    Phone: (718) 651-7888

    Additional Services and Resources

    Mortgage/Home Financing Calculators

    Borrow FAQs

    Routing Number #:
    221472792
    NMLS #:
    410836
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