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:

Fixed Rate Programs
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 

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.

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.

FHA Mortgages
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.

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.  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:

  • 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 click here to request additional information.   House Loan

All loans subject to credit approval    

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