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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.

 

 

CFCU

Route 281 Tops Plaza

Cortland  NY  13045

607-756-6968

Nicole Cottone

nicole.cottone@mycfcu.com

 

NBT Bank

65 Main St.

Cortland  NY  13045

607-758-1218

Chris Hotchkiss

chotchkiss@nbtbank.com

 

 

Elmira Savings Bank

77 South West St.

Homer  NY  13077

607-749-7251

Jackie Newton

jnewton@elmirasavingsbank.com

 

Commonfund Mortgage Corp.

717 Erie Blvd. West

Syracuse  NY  13204

315-430-1476

John H. Birkmier, Jr.

birkmierj@commonfundmtg.com 

 

First Niagara Bank

1 N. Main St.

Cortland  NY  13045

607-758-2250

Michele Clark

michele.clark@fnfg.com

 

 

Thoma Development

34 Tompkins St.

Cortland  NY  13045

607-753-1433

Linda Armstrong

linda@thomadevelopment.com

 

 

Key Bank

201 S. Warren Ave.

Syracuse  NY  13202

315-470-5022

Felix Melendez

felix_melendez@keybank.com

 

 

Tompkins Trust Company

33 Clinton Ave.

Cortland  NY  13045

607-662-0376

Carol Burgess

cburgess@tompkinstrust.com

 

 

M&T Bank

118 N. Tioga St.

Ithaca  NY  14850

607-779-5931

Kent Sisco

ksisco@mtb.com 

 

USDA Rural Development

1 N. Main St.  2nd Floor

Cortland  NY  13045

607-753-0851 ext. 102

Donna Rugino

donna.rugino@ny.usda.com

 


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