Want to talk to a Mortgage Loan Officer in person? No problem, the home loan team at Suffolk Credit Union in NY can arrange for a consultation.Buy a first home, move to a new one or add a vacation home with great interest rates on a mortgage from Suffolk Credit Union in NY. Apply for a home loan. Q: How Can I Obtain a Mortgage Modification? To obtain a modification a homeowner needs to apply to their lender who will send them an application. When you make an overpayment to your mortgage you may have the option to reduce your mortgage term or reduce your monthly payment. Credit scores used for mortgage loan decisions range from approximately 300 to 900. Your mortgage payment (principal, interest, taxes and mortgage insurance) should be no more than 33 percent of your monthly gross income. Debt-to-Income Ratio. Taxes in the Town of Huntington can be paid with cash, check, money order, E-check or major credit card see the Payment Instruction tab for more information.