Michael DeCandia

Mike DeCandia joins UNFCU with over seven years of experience at Valley National Bank. He has dedicated his career to helping individuals and families achieve their financial and homeownership goals. Working within the Residential Mortgage Department, he has guided clients through purchasing their first home, refinancing for better financial stability, and consolidating debt through HELOC solutions. Known for being hardworking, caring, and committed, he strives to make the mortgage process as smooth and stress-free as possible. Building trust and delivering exceptional service are at the core of his professional values.

NMLS Registry Number: 1778370

Connect with me directly:

Cell: +1 973-294-8560
Fax: +1 703-448-6186
mdecandia@unfcu.com

Business Hours:

09:00–18:00 (New York time), Monday–Friday

Branch address:

United Nations Federal Credit Union
Court Square Place, 24-01 44th Road
Long Island City, NY 11101, USA

All UNFCU mortgage representatives are permitted to lend in all 50 states.

Click below to submit your application directly to me. I will be in contact with you within 24–48 hours to review your application and discuss any special circumstances you may have.

Start your application

Today’s featured rates

Not a UNFCU member? See if you are eligible to join.

APR = Annual Percentage Rate. Rates listed are based on a 45-day lock for purchase. The rates assume a loan amount of $640,000, a credit score of 740 or higher, a 20% down payment, and a debt-to-income ratio less than 40%. Rates and fees may vary and are based on factors including, but not limited to, market change, credit history, down payment, property type & other factors associated with your loan application. Private Mortgage Insurance (PMI) is required if your mortgage amount is more than 80% of the value or purchase price of your home. Loan approval subject to qualification. Membership eligibility required. NMLS #456916.

Interest rates and annual percentage rates (APRs) displayed here are based on loans secured by property in the state of New York. Actual interest rates and APRs available to you may vary based on the state where your property is located and other factors, and may be higher than those displayed here. Rates, closing costs, and points may vary by property location, loan type, borrower credit, income, and other characteristics. All financing is subject to credit approval.

Understanding adjustable rate mortgages (ARMs): With an ARM, the interest you pay will be subject to change after your initial fixed period. Each ARM is described using two numbers. The first number indicates how many years your initial rate will remain in effect. The second number indicates how often your rate will adjust. For example, a 3/6 ARM has an initial fixed period of three (3) years. After three years, the rate will adjust every six (6) months.

To protect you from wide rate fluctuations, UNFCU places caps on how much your interest rate can change, but it is possible that the interest rate, APR, and payment may increase after the initial fixed period when the rate adjusts. ARM interest rates can increase or decrease each time the rate adjusts. Any of these rate changes may significantly impact your monthly payment over the remaining term of the loan.

Rebates: A rebate is a closing cost credit provided by the lender to a borrower for selecting a specific product’s interest rate.