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.

Local Lenders

Route 281 Tops Plaza
Cortland, NY 13045
Nicole Cottone

Commonfund Mortgage Corp.

717 Erie Boulevard West
Syracuse, NY 13204
John H. Birkmier, Jr.

First National Bank of Dryden

853 State Route 13
Cortland, NY 13045
Ehren Bahns

Key Bank

25 South Main Street
Homer  NY  13077
Karen Gaebler

M&T Bank

118 North Tioga Street
Ithaca, NY 14850
Ryan Wuerthner

NBT Bank
65 Main Street
Cortland, NY 13045
Chris Hotchkiss

Thoma Development

34 Tompkins Street
Cortland, NY 13045
Linda Armstrong

Tompkins Trust Company

33 Clinton Avenue
Cortland, NY 13045
Laurie Anania

USDA Rural Development

1 North Main Street • 2nd Floor
Cortland  NY  13045
607-753-0851 ext. 4
AnnMarie Donovan