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

Route 281 Tops Plaza
Cortland  NY 13045
Nicole Cottone

Commonfund Mortgage Corp.
717 Erie Blvd. 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 S. Main St.
Homer  NY  13077
Karen Gaebler

M&T Bank
118 N. Tioga St.
Ithaca  NY 14850
Ryan Wuerthner

NBT Bank
65 Main St.
Cortland  NY 13045
Chris Hotchkiss

Thoma Development
34 Tompkins St.
Cortland  NY  13045
Linda Armstrong

Tompkins Trust Company
33 Clinton Ave.
Cortland  NY 13045
Laurie Anania

USDA Rural Development
1 N. Main St.  2nd Floor
Cortland  NY  13045
607-753-0851 ext. 4
AnnMarie Donovan