Mortgage Loans

We believe in guiding you through every step of the mortgage process. Whether it be your first or fifth, we are here to serve you with local decisions and local servicing. We even have a unique No Closing Cost Mortgage option which saved our members over $1,300,000 in closing costs last year! With options to fit your needs and the professionals to guide you, what are you waiting for?

Enter our Mortgage Center and view our Online Application!

Loan Choices

Don't worry, we can help you find the right mortgage for you. As a local not-for-profit financial institution, you are our focus.

  • Fixed Rate Mortgage (10, 15, 20, or 30 year term)

  • No Closing Cost Fixed Rate Mortgage (10, 15, 20, or 30 year term)

  • Adjustable Rate Mortgage

  • FHA (15 or 30 year term)

  • Jumbo Loans (greater than $548,250)

  • Veteran's Administration Loans

  • USDA Rural Development

Apply now!


Mortgage rates are ever-changing; however, we do post daily rates in our Mortgage Center!

Click here to view the daily rates!

Hoping for a lower Mortgage rate?

Let us track it for you. Tell us what rate you want, we'll send you an email when we hit it!

Mortgage Rate Tracker


CFCU Insurance Services Customers save an average of $631!*

When you're busy maintaining a home as unique as you are, the last thing you want to worry about is whether or not you have the right insurance at the best rate. Get multiple quotes from the nation's leading insurance carriers so you can pick the right one for you.

Call 844-835-7646 or click to learn more!

* Average Savings figure is a national average savings number from August 2019 to July 2020 of auto, homeowner, and packaged policyholders’ savings per customer when compared to the policyholders’ former premiums. Individual premiums and savings will vary. Insurance products are not insured by NCUA or any Federal Government Agency; are not a deposit of, or guaranteed by CFCU Community Credit Union or any affiliated entity; and may lose value. Any insurance required as a condition of the extension of credit by CFCU Community Credit Union need not be purchased from our Agency but may, without affecting the approval of the application for an extension of credit, be purchased from an agent or insurance company of the member’s choice.

Our Team

Nicole Cottone

I look forward to working with you in Cortland and the surrounding areas.
Rt. 281 Branch, Cortland

Jayne Ellis

I’m dedicated to helping simplify the mortgage process for you with purchases or refinances.
Administrative Offices, Ithaca

Missy Park

I'd love to help you achieve the dream of home ownership!
Transformation Center Branch, Ithaca

Kimberly Rozell

Experience, education & sound advice is what I provide.
East Hill Branch, Ithaca


The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau's Web site (


CFCU is registered with the New York State Superintendent of Financial Services. You may file complaints and obtain further information about CFCU by contacting the New York State Department of Financial Services Consumer Assistance Unit at 1-800-342-3736 or at