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Looking to put down roots or make a move?

We understand. After all, we’ve been your neighbor for a long time.  The home buying and mortgage process can sometimes be a bit challenging, but we’re here to make it a bit easier. Whether you’re a first-time homebuyer just getting started, or you know the real estate market like the back of your hand, we’ll help get you through the process.

Our mortgage products and programs include competitive rates, expert mortgage advice, an easy mortgage application process and quick decisions. We’d call that a win!

 

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Worried about not having 20% to put toward a down payment? We understand – the world’s changing. 

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Federal Housing Administration (FHA) loans offer flexibility for a borrower who may not realize they can qualify for a mortgage.
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If you’re just starting out on your own and are concerned about saving for a down payment, Home One from Freddie Mac can help.
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Whether we like it or not, some areas are on the pricier side. However, it is where we want to call home! 
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As a participating SONYMA Lender, we offer the Low Interest Rate and Achieving the Dream mortgage programs.
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We partner with the United States Department of Agriculture (USDA) to offer USDA loans. Basically, a USDA loan is special type of a zero down payment mortgage that eligible homebuyers in rural areas can get through a partnership between the United States government and their local bank.
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Did you or are you currently serving our country in the Armed Forces? You may be eligible for a VA loan to buy your dream home. Veterans, currently active members in any military branch, and surviving military spouses are welcome to apply for a VA loan.
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Fixed Rate Programs
This is your standard mortgage loan you may already know quite a bit about. Basically, you’ll choose from several terms – whether that be 15-years, 30-years, or something else. During the life of the loan, you’ll make regular monthly payments at the same interest rate. 
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Adjustable Rate Programs
Adjustable rate programs are a bit different. They are sometimes more affordable as you may qualify for a lower interest rate now. However, the interest rate can change over time. They offer the same flexibility in terms as a fixed rate loan.
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Construction and Land Loans
Hoping to build your dream home? Sometimes the right house isn’t out there and you just need to build your vision. We can help! One loan - with one closing and fewer fees - does it all from start to finish. Funds are allocated during the construction period. The loan then converts to a permanent mortgage when construction is completed.








































Loans subject to credit approval, income, and other guidelines.

Requests for information and Notices of Error, including Qualified Written Requests.

If you wish to request information or assert an error relating to the servicing of your mortgage loan, including any Qualified Written Requests, you must use the address below and include your name, your mortgage loan account number, property address and a statement of either the information you are requesting or the error you believe has occurred:

Loan Servicing
P.O. Box 6569
Ithaca, NY 14851