Tompkins Trust Company offers numerous options for the first time home buyer or the seasoned homeowner that includes competitive rates, expert advice, easy application process and quick decisions. We offer the following:
Fixed Rate Programs
You can choose from several terms. Make regular monthly payments throughout the life of the loan. With our bi-weekly option, you can payoff your mortgage more quickly.
ØNEW Visit our Mortgage Resource Center to get today’s rates, learn more and apply now
Adjustable Rate Programs
We have a wide selection of adjustable rate mortgages to offer you more affordability. Longer terms between rate adjustments give you many of the advantages of fixed rate mortgages.
ØNEW Visit our Mortgage Resource Center to get today’s rates, learn more and apply now
Construction Loans
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.
First Home Club*
Looking to buy your first home, but need help saving for the down payment? The First Home Club may be able to help. Offered in conjunction with the Federal Home Loan Bank of New York, this savings plan provides matching funds to help your savings grow quickly. This program is match funded 4 : 1 for a maximum of $7,500 available for qualified buyers. This program is subject to income qualifying guidelines.
SONYMA (State of New York Mortgage Agency)*
As a participating SONYMA Lender, we are currently offering the Low Interest Rate and Achieving The Dream mortgage programs. Both programs offer a below market rate with maximum financing for 1-4 family properties and manufactured homes. In addition, SONYMA will provide qualified borrowers with closing cost assistance of up to $5,000 that requires no monthly payment, is interest free and is forgiven after 10 years. Income and purchase price limits apply. This program is for SONYMA qualified borrowers only. Get today’s rates.
Community One*
The Community One Program offers below market rates, reduced fees, maximum financing and higher qualifying ratios for eligible borrowers. This program is available for owner occupied 1-2 family purchase transactions. This program is subject to income qualifying guidelines.
Other Offerings (Products) Available:
Our mortgage specialists can help you choose the mortgage that is right for you. Visit any branch office or click here to request additional information. 
All loans subject to credit approval
*Subject to credit approval and to income and other qualifying guidelines