Looking to buy or refinance your home?

Dreams of homeownership become solid plans with the help of your hometown bank. We offer a wide range of customized repayment options and specialty financing programs to accommodate each customer's unique situation.

Whether for purchase, refinance, or construction, count on competitive rates and trusted expertise by advisors familiar with local real estate standards. Plus, we handle all decision-making and processing locally — so a streamlined lending solution is never far away.

  • Competitively low rates*
  • Available for primary residence, vacation homes, and investment properties
  • Various repayment terms available to meet your needs
  • A wide range of financing programs available:
    • Conventional Loans
    • FHA Loans
    • Construction Loans
    • JUMBO Loans
    • Portfolio Loans
  • Free pre-approval or pre-qualification available
  • Mortgage advisors with working knowledge of the local real estate industry
  • Free 360-degree mortgage analysis, identifying the best, money-saving solution
  • Quick and easy application process 
  • Local decision-making and processing
  • Focused, customized attention from start to finish 
Jessica Baker

Jessica Baker

Mortgage Loan Originator / NMLS #788694

Jessica is our mortgage loan expert and is available to meet with you to discuss your lending needs at a PLACE and TIME that's convenient for you.


Cooperstown Office: (607) 547-2210           Oneonta Office: (607) 432-7000


*Subject to credit approval.