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Mortgages

Tompkins Trust Company has a reputation as experts in personal lending services and we work with each customer to determine the best loan for their needs.

We offer the following:
  • Easy online application process.
  • Numerous loan options to meet your specific needs, including fixed and adjustable rate mortgages, special programs and more.
  • Free pre-qualifications so you can look for your home knowing what you can afford.
  • Quick decisions so you can close on your dream home quickly. Visit our what to expect section when applying with us.
  • Check out today’s rates and sign up for our free rate watch service that provides up-to-date rate information via email so you can decide when to apply.
  • Personal assistance from a local Mortgage Officer.
  • Online resources with frequently asked questions, loan calculators, glossary of terms and more.
  • Investment property financing, cash out and no cash out refinances and construction loans
  • 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


Loan Options

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:


You can choose from several terms. Make regular monthly payments throughout the life of the loan. 

Visit our Mortgage Resource Center to get today’s rates, learn more and apply now.

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.

Visit our Mortgage Resource Center to get today’s rates, learn more and apply now.

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.
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.
A flexible, low down payment financing solution.  And with no maximum income limits, FHA mortgages are available to almost any home buyer.  Looking for assistance to help pay the closing costs?  FHA can be the answer.  Sellers can contribute up to 6% of the sales price towards closing costs.
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.  Income and purchase price limits apply.  This program is for SONYMA qualified borrowers only.  Get today’s rates.
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.
  • Investment property financing  
  • Cash out and no cash out refinances  


Our mortgage specialists can help you choose the mortgage that is right for you. Visit any branch office or request additional information


All loans subject to credit approval

*Subject to credit approval and to income and other qualifying guidelines

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