Before you begin looking at homes, you will want to get prequalified by a bank to determine what price range of homes you should be looking at. The bank will verify your income and debt, run your credit report, and issue a Prequalification Letter that you will use when making an offer on a property.  This letter will help make your offer more attractive to the seller.  There are a number of local lenders as well as online companies that offer mortgages. There are several advantages to working with local lenders as you have a name and a face to work with and someplace local to drop off and pick up paperwork.  We encourage you to shop around for your loan, speak with more than one bank, and select the bank you are most comfortable with

CFCU
Route 281 Tops Plaza
Cortland  NY 13045
607-756-6968
Nicole Cottone
nicole.cottone@mycfcu.com

Key Bank
25 S. Main St.
Homer  NY  13077
315-470-5149
John Petrus
john_f_petrus@keybank.com

USDA Rural Development
1 N. Main St.  2nd Floor
Cortland  NY  13045
607-753-0851 ext. 122
Barbara Morris
barbara.morris@ny.usda.com

M&T Bank
118 N. Tioga St.
Ithaca  NY 14850
607-274-8991
Bonnie Osadchey
bosadchey@mtb.com

NBT Bank
65 Main St.
Cortland  NY 13045
607-758-1218
Chris Hotchkiss
chotchkiss@nbtbank.com

Commonfund Mortgage Corp.
717 Erie Blvd. West
Syracuse  NY 13204
315-430-1476
John H. Birkmier, Jr.
birkmierj@commonfundmtg.com

Thoma Development
34 Tompkins St.
Cortland  NY  13045
607-753-1433
Linda Armstrong
linda@thomadevelopment.com

Tompkins Trust Company
33 Clinton Ave.
Cortland  NY 13045
607-274-2035
Timothy Thomas
tthomas@tompkinsfinancial.com