Mortgage Loans

Our knowledgeable professionals will guide you through every step of the mortgage process.

We have lots of options to fit your needs and our mortgages are decided on and serviced locally.

Visit our Mortgage Center to apply and find even more information.

Mortgage Center


Get Pre-Approved

Before You Shop, Get Pre-Approved!

What's the Difference Between Pre-Qualification and Pre-Approval?

  • A pre-qualification is a quick estimate of a loan amount you may qualify for. A pre-approval is a conditional commitment to provide a mortgage to you.

Why Should Getting Pre-Approved be the First Step in the Home Buying Process?

  • Getting pre-approved will provide you with a realistic budget amount when shopping.
  • During the process, you will obtain great information about the different mortgage programs available.
  • The market for buying is very competitive, having a pre-approval will increase your chances of the seller accepting your offer since it means there will be fewer issues finalizing the mortgage.

How to Get Pre-Approved

  1. Click here
  2. Fill out a loan application
  3. Receive a call from one of our knowledgeable Mortgage Lenders

Meet Our Team

Nicole Cottone

I look forward to working with you in Cortland and the surrounding areas.
Rt. 281 Branch, Cortland

Jayne Ellis

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

Sean Loomis

I can't wait to help you get into your dream home!
Mortgage Office at 1050 Craft Road, Ithaca

Missy Park

I'd love to help you achieve the dream of home ownership!
Transformation Center Branch, Ithaca

Allie Ridley

Committed to accomplishing your mortgage goals from start to finish!
Tops Plaza Branch, Waterloo

Kimberly Rozell

Experience, education & sound advice is what I provide.
East Hill Branch, Ithaca

Lisa Smith

I'm here to help you find a mortgage that suits your needs!
East Syracuse Branch, East Syracuse

Loan Choices


Are you a first time Home Buyer and looking to save more for that down payment? Check out our funds matching savings program

Dream Home Club


Our current rates are in our Mortgage Center, click below.

View 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


CFCU Insurance Services Customers save an average of $631!*

When you're busy maintaining a home as unique as you are, the last thing you want to worry about is whether or not you have the right insurance at the best rate. Get multiple quotes from the nation's leading insurance carriers so you can pick the right one for you.

Call 844-835-7646 or click to learn more!

* Average Savings figure is a national average savings number from August 2019 to July 2020 of auto, homeowner, and packaged policyholders’ savings per customer when compared to the policyholders’ former premiums. Individual premiums and savings will vary. Insurance products are not insured by NCUA or any Federal Government Agency; are not a deposit of, or guaranteed by CFCU Community Credit Union or any affiliated entity; and may lose value. Any insurance required as a condition of the extension of credit by CFCU Community Credit Union need not be purchased from our Agency but may, without affecting the approval of the application for an extension of credit, be purchased from an agent or insurance company of the member’s choice.



No Closing Cost Loans require a 3-year recapture period, Transformation Checking with Direct Deposit, and Autopay.


The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau's Web site (


CFCU is registered with the New York State Superintendent of Financial Services. You may file complaints and obtain further information about CFCU by contacting the New York State Department of Financial Services Consumer Assistance Unit at 1-800-342-3736 or at