Home Mortgage Loans

Dreams of home-ownership 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 advisers 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 for home purchase, refinance, or construction*
  • 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
  • Balloon Loans
  • Fixed Rate Loans
  • Adjustable Rate Loans
  • Free pre-approval or pre-qualification available for increased confidence and buying power
  • Mortgage advisers with working knowledge of the local real estate industry
  • Free 360-degree mortgage analysis, identifying the best, money-saving solution for you
  • Quick and easy application process 
  • Local, Cooperstown region decision-making and processing
  • Focused, customized attention from start to finish
*Subject to credit approval.