Refinance

No Closing CostsOur No Closing Cost Mortgage option can be used on Refinances too!

We have all the conventional options you need, as well as our No Closing Cost Refinance to ensure you start saving money on day one! If you are in the market for a Refi, you have found the right lender.

Enter our Mortgage Center and view our Online Application!

Refinance 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)

  • Jumbo Loans (greater than $417,000)

Any questions? We're here to help!

Enter our Mortgage Center for more information on our Terms and Rates!

Refinance Checklist

Based upon the type of refinance you are doing, some, or even most of the items on this checklist may not be necessary.

  •  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, interest/dividend, retirement income and any other regular source of income.  

  • The year you purchased the property being refinanced, its original cost, current loan balance and payment amount.  

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

  • If you own any real estate (other than the property you're refinancing), we'll have some basic questions including, address, current market value, the amount you owe, the amount of 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 today to learn about refinancing!

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 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!

Purchase or Refinance: I'll be with you every step of the way.

Patrick Mitchell

Purchase or Refinance: I'll be with you every step of the way.

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!

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.

Experience, education & sound advice is what I provide.

Kimberly Rozell

Experience, education & sound advice is what I provide.

Certain restrictions apply with current CFCU Mortgages.

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.