Serving the Twin Tiers of New York and Pennsylvania since 1932
  • In-House Mortgages

    In-House Mortgages

    If you have a unique borrowing situation or want to keep your loan local, this is the mortgage for you.

    • Flexible terms including bi-weekly payment options
    • Interest rate determined by credit
    • Experienced advisors

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  • Freddie Mac Conforming Mortgage

    Freddie Mac Conforming Mortgage

    Perfect for those who have a good credit rating and funds for at least 5% down plus closing costs.

    • Lower rates
    • Range of terms
    • Higher credit score required

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  • Freddie Mac Home Possible 97

    Freddie Mac Home Possible 97

    Consumers who have little or no down money for down payment or closing costs, borrow up to 97% of your home's value.

    • Low rates
    • Flexible terms
    • Modular, prefabricated & double-wide homes

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