Front view of living room furniture
Ready to buy a house, but worried about having enough cash on hand to cover the down payment and closing costs? Tompkins is proud to offer a No Closing Cost Mortgage for purchases or refinances of your primary or second home!

The bank pays all non-personal, third party fees on your behalf1, leaving you with more cash on hand for all the things you’ll need for your new home. Upgraded kitchen, anyone?

Loans subject to credit approval, income, and other guidelines.
1 These non-personal third party fees will be paid on your behalf by the bank:.Application Fee, Underwriting Fee, Appraisal Fee, Closing/Settlement Fee, Credit Report Fee, Flood Certification Fee, Tax Service Fee, Recording Fees (Including Recording Service Charge/Fee, Deed Recording Fee,), Mortgage Tax/Transfer Tax, Lenders Title Insurance, Buyer Abstract Fees (will not pay seller abstract fees), Overnight/Courier Fee, Origination Fee. Fees paid by bank are subject to repayment if the loan is paid off within 36 months of closing. These fees are not covered: Prepaids (including escrow fees), Real Estate Taxes and /or other related assessments, Insurance, Personal Attorney Fees and any fees assessed by personal attorney, Home inspection or other nonappraisal related inspections, Owners Title Insurance, Deed Related Fees, Any fee customarily paid for by the seller, Survey Fees, Mansion Taxes, or Extension Fees.

Subject to credit approval, income, and other qualifying guidelines. Maximum term: 30 years. Terms on the no closing cost program subject to change without notice. Deposit and loan products are offered through Tompkins Community Bank, Member FDIC. Investments and insurance products are not FDIC insured, are not bank guaranteed, and may lose value. Tompkins Insurance is licensed to conduct insurance business in all 50 states.