Financial Services

Banks and Credit Unions

Financial Planners

Janney Montgomery Scott

Northwestern Mutual/Tronco Financial Group

  • Ryan Hungershafer, Wealth Management Advisor & Veteran Contact, Folds of Honor Board Member 518 459-4665 e-mail: or go to Ryan’s Website

UBS Financial Services

Specialty Mortgages

Homes 4 Wounded Heros and Gold Star Moms

VA Home Loans:

Eligibility Requirements: Your length of service or service commitment, duty status and character of service determine your eligibility for specific home loan benefits.

  • Purchase Loans and Cash-Out Refinance: VA-guaranteed loans are available for homes for your occupancy or a spouse and/or dependent (for active duty service members). To be eligible, you must have satisfactory credit, sufficient income to meet the expected monthly obligations, and a valid Certificate of Eligibility (COE). Learn More
  • Interest Rate Reduction Refinance Loan (IRRRL): The IRRRL is a “VA to VA” loan, meaning it can only be done if you have an existing VA guaranteed loan on the property. The IRRRL is generally performed to lower the interest and reduce the monthly payment on the existing VA guaranteed loan. Learn More
  • Native American Direct Loan (NADL) Program: The NADL program helps Native American Veterans purchase, construct, improve, or re-finance a home on Native American trust lands. Your tribal organization must participate in the VA direct loan program. You must have a valid Certificate of Eligibility (COE). Learn More
  • Adapted Housing Grants: VA helps Veterans with certain total and permanent disabilities related to your military service obtain suitable housing with either a Specially Adapted Housing (SAH) or Special Housing Adaptation (SHA) grant. Learn More

Local Credit Union for VA Loan:



Sunmark FCU

Active Duty Service Members Benefits & Protections

Service Members Civil Relief Act (SCRA)- Contact your local bank for more information

Up to 6% reduction in interest rates while actively deployed

Real estate loans may receive a deduction 12 months after leaving service

Protections against foreclosures and repossessions

Those eligible:

  • Active Duty Service Members: Army, Navy, Air Force, Marine Corps or Coast Guard
  • Active Duty National Guard
  • Commissioned officers of the Public Health Service or the National Oceanic and Atmospheric Administration

Great Training: Hands on Banking “Money Skills You Need for Life”

AARP Fraud Watch Network