Medical Mortgage Program

A Mortgage Program Prescribed for YOU!

You have the general public's health in mind, leave your financial health to us. Begin your application online with the link below or contact one of our Mortgage Sales Associates to begin the conversation! 

Enter our Mortgage Center and view our Online Application!

Your Prescription

A mortgage program prescribed specifically for medical professionals!

Financial Health Benefits: 

  • 100% Financing
  • No Private Mortgage Insurance
  • Loan amounts up to $750,000
  • Fixed or Adjustable Rates


  • Be a MD, DDS, DMD, OD, DPM, DO, DP, or Veterinarian
  • Have or open a Transformation Checking account with Direct Deposit and Automatic Payment set-up. 

Our Team

Kate Barth

Here for you, right down the road from the corporate office!
Triphammer Branch, Ithaca

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.
Administrative Offices, Ithaca

Caleb Frederick

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

Missy Park

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

Kimberly Rozell

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


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

Click here to view the daily rates!


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.


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