Mortgage Loans

No Closing CostsWe believe in guiding you through every step of the mortgage process. Whether it be your first or fifth, we are here to serve you with local decisions and local servicing.

We even have a unique No Closing Cost Mortgage option which has been extremely popular with our membership. Last year alone, we saved our members over a million dollars in closing costs with our No Closing Cost Mortgages and Refinances! We are the #1 Residential Mortgage Lender in Cortland and Tompkins County for a reason. We have the options to fit your needs and the professionals to guide you.

Enter our Mortgage Center and view our Online Application!

Mortgage Options

Don't worry, we can help you find the right mortgage for you. As a local not-for-profit financial institution, you are our focus.

  • Fixed Rate Mortgage (10, 15, 20, or 30 year term)

  • No Closing Cost Fixed Rate Mortgage (10, 15, 20, or 30 year term)

  • Adjustable Rate Mortgage

  • FHA (15 or 30 year term)

  • First Home Club

  • Jumbo Loans (greater than $417,000)

  • USDA Rural Development
  • Construction Loans

Any questions? We're here to help!

Enter our Mortgage Center to view more information on our Terms and Rates!

Purchase Checklist

Here is a list of some of the things you will need to make it easier to complete your application when you're applying for a loan to purchase a home.

  •  Your current residence address, or addresses, for the past two years.  

  • Social security numbers for all borrowers.  

  • Your employment history for the past two years. You'll need your employer(s) name, address and phone number.  

  • Income information for all borrowers. You'll be asked to include salary, overtime, bonuses, commissions, retirement income and any other regular source of income.  

  • The price (actual or approximate) of the home you are buying, and how much you'd like to borrow toward the purchase.  

  • Bank and brokerage account information, including the institution name and current balances.  

  • If you own any real estate, we'll have some basic questions including, address, current market value, the amount you owe, the rental income you receive (if any), and what your monthly payment is.  

  • Information about your current debts. We'll ask for the name of the creditor, the account number, the current balance owing and the amount of your monthly payment.

Applying online only takes 15-20 minutes!

Enter our Mortgage Center and learn about our Online Application Process!

Mortgage rates are ever changing, however we do post daily rates in our Mortgage Center!

Click here to view the daily rates!

Hoping for a lower Mortgage rate?

Let us track it for you. Tell us what rate you want, we'll send you an email when we hit it!

Mortgage Rate Tracker

I’m dedicated  to helping  simplify the mortgage process for you with purchases or refinances.

Julie Banwell

I’m dedicated to helping simplify the mortgage process for you with purchases or refinances.

I look forward to working with you in Cortland and the surrounding areas.

Nicole Cottone

I look forward to working with you in Cortland and the surrounding areas.

Here for you, right out of the corporate office!

Kate Heptig

Here for you, right out of the corporate office!

I'd love to help you achieve the dream of home ownership!

Missy Park

I'd love to help you achieve the dream of home ownership!

Experience, education & sound advice is what I provide.

Kimberly Rozell

Experience, education & sound advice is what I provide.

Four Reasons to make this the Year of the Homeowner!

Rent on the rise, mortgage availability...

Why now may be the time to buy!

HOME MORTGAGE DISCLOSURE ACT NOTICE

The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at this office regarding the locations where HMDA data may be inspected. To receive a copy of these data, send a written request to CFCU Community Credit Union, Mortgage Lending Department, 1030-1050 Craft Road, Ithaca, NY 14850.