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Mortgages

If you are in the process of obtaining a mortgage with us, please know that in an effort to ensure the safety of our customers and our appraisers, we have moved to exterior appraisals for most situations.  If your situation requires an interior appraisal and you are not comfortable with an interior appraisal inspection, please reach out to us right away and we will make the appropriate arrangements. If you are considering applying for a mortgage with us, please feel free to reach out to one of our Mortgage Loan Officers to discuss your appraisal options.

Looking to put down your roots or make a move in Ithaca, Syracuse, Auburn or Cortland? 

We understand. After all, we’ve been your neighbor for a long time.  The home buying and mortgage process can sometimes be a bit challenging, but we’re here to make it a bit easier. Whether you’re a first-time homebuyer just getting started, or you know the real estate market like the back of your hand, we’ll help get you through the process.

Our mortgage products and programs include competitive rates, expert mortgage advice, an easy mortgage application process and quick decisions. We’d call that a win!

APPLY ONLINE   FIND LOAN OFFICERPRE-QUALIFICATION FORM

Email pre-qualification form to TTCmortgages@TompkinsFinancial.com. 

Looking for Options? Let’s get Started

Fixed Rate Programs
This is your standard mortgage loan you may already know quite a bit about. Basically, you’ll choose from several terms – whether that be 15-years, 30-years, or something else. During the life of the loan, you’ll make regular monthly payments at the same interest rate. 
 
Adjustable Rate Programs
Adjustable rate programs are a bit different. They are sometimes more affordable as you may qualify for a lower interest rate now. However, the interest rate can change over time. They offer the same flexibility in terms as a fixed rate loan.
 
Construction and Land Loans
Hoping to build your dream home? Sometimes the right house isn’t out there and you just need to build your vision. We can help! 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.

Need something different? Let’s explore!

Community One

Worried about not having 20% to put toward a down payment? We understand – the world’s changing. 

 
The Community One First-Time Home Buyer Program is perfect for the first-time home buyer who may not think their homeownership dreams are a reality. 
Community One offers:
  • reduced fees,
  • low down payment options,
  • maximum financing for eligible borrowers,
  • doesn’t require private mortgage insurance.
We must say – that’s rare for these types of programs!  
Income restrictions apply.

FHA

Federal Housing Administration (FHA) loans offer flexibility for a borrower who may not realize they can qualify for a mortgage. 

 
Many homeowners who utilized the FHA program
  • enjoy a variety of payment terms,
  • do not pay pre-payment penalties,
  • have lower credit scores,
  • and only put down a 3.5% down payment. 
If you are confident you can afford a home, but may have some challenges to overcome, an FHA loan may be right for you.
 

Home One

If you’re just starting out on your own and are concerned about saving for a down payment, Home One from Freddie Mac can help.

 
  • We understand that saving up huge sums of money in this day and age can be difficult, but that doesn’t mean you can’t be a responsible borrower. 
  • Home One can make home ownership possible with only a 3% down payment for eligible for single family homes, including townhouses and condos. 
  • This program has no geographic or income restrictions and is subject to other qualifying guidelines.
 

Home Possible®

Whether we like it or not, some parts of Ithaca and beyond are on the pricier side. However, it is where we call home! 

 
  • Through our partnership with Freddie Mac, Home Possible® mortgages offer low down payments for low- to moderate-income homebuyers. 
  • The program offers 3%-5% down payment options,
  • flexible down payment sources,
  • term flexibility,
  • refinance options,
  • income flexibility and more.
 

SONYMA (State of New York Mortgage Agency)*

As a participating SONYMA Lender, we offer the Low Interest Rate and Achieving the Dream mortgage programs. 

 
  • Both programs offer competitive rates with maximum financing for 1-4 family properties and manufactured homes. 
  • In addition, SONYMA will provide qualified borrowers with a down payment assistance loan of the greater of $3,000 or 3% of the Purchase Price up to a maximum of $15,000.
  • SONYMA’s down payment assistance loan requires no down payment, is interest free and is forgiven after 10 years.  
Income and purchase price limits apply. 

USDA

We partner with the United States Department of Agriculture (USDA) to offer USDA loans. Basically, a USDA loan is special type of a zero down payment mortgage that eligible homebuyers in rural areas can get through a partnership between the United States government and their local bank. 

 
  • These loans help low- or moderate-income people buy, repair a home in a rural area. 
  • For eligible buyers, they feature great benefits such as 100% financing with no down payment and competitive rates.

Subject to geographic limitations.

VA

Did you or are you currently serving our country in the Armed Forces? You may be eligible for a VA loan to buy your dream home. Veterans, currently active members in any military branch, and surviving military spouses are welcome to apply for a VA loan. 

 
  • Benefits include no down payments or pre-payment penalties. 
  • And guess what? No private mortgage insurance is required!
 
 
 
Loans subject to credit approval, income, and other guidelines.

Requests for information and Notices of Error, including Qualified Written Requests.

If you wish to request information or assert an error relating to the servicing of your mortgage loan, including any Qualified Written Requests, you must use the address below and include your name, your mortgage loan account number, property address and a statement of either the information you are requesting or the error you believe has occurred:

Loan Servicing
P.O. Box 6569
Ithaca, NY 14851