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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


NBT Bank

65 Main St.

Cortland  NY  13045


Chris Hotchkiss



Elmira Savings Bank

77 South West St.

Homer  NY  13077


Jackie Newton


Commonfund Mortgage Corp.

717 Erie Blvd. West

Syracuse  NY  13204


John H. Birkmier, Jr. 


First Niagara Bank

1 N. Main St.

Cortland  NY  13045


Michele Clark



Thoma Development

34 Tompkins St.

Cortland  NY  13045


Linda Armstrong



Key Bank

25 S. Main St.

Homer  NY  13077


John Petrus



Tompkins Trust Company

33 Clinton Ave.

Cortland  NY  13045


Timothy Thomas



M&T Bank

118 N. Tioga St.

Ithaca  NY  14850


Bonnie Osadchey 


USDA Rural Development

1 N. Main St.  2nd Floor

Cortland  NY  13045

607-753-0851 ext. 102

Barbara Morris


Mortgage Calculator

Hage Real Estate
4070 West Road (Rte. 281) - Cortland, NY 13045
(607)753-6766 - Toll Free (877)320-9105 -
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