Medical Mortgage Program

A Mortgage program prescribed for YOU!

You have the general public's health in mind, leave your financial health to us. Begin your application online with the link below or contact one of our Mortgage Sales Associates to begin the conversation! 

Enter our Mortgage Center and view our Online Application!

Your Prescription

A mortgage program prescribed specifically for medical professionals!

Financial Health Benefits: 

  • 100% Financing
  • No Private Mortgage Insurance
  • Loan amounts up to $750,000
  • Fixed or Adjustable Rates


  • Be a MD, DDS, DMD, OD, DPM, DO, DP, or Veterinarian
  • Have a Transformation Checking account with Direct Deposit and Automatic Payment set-up. 

Our Team

Kate Barth

Here for you, right down the road from the corporate office!

Nicole Cottone

I look forward to working with you in Cortland and the surrounding areas.

Jayne Ellis

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

Caleb Frederick

Committed to accomplishing your mortgage goals from start to finish!

Missy Park

I'd love to help you achieve the dream of home ownership!

Kimberly Rozell

Experience, education & sound advice is what I provide.


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

Click here to view the daily rates!

Prepare for Final Steps

Prepare For Final Steps

Once your purchase offer has been accepted by the seller and you have chosen a CFCU loan, it's time to focus on the remaining loan process. At this stage, you will be introduced to your CFCU Loan Processor who specializes in getting the loan ready for closing. You'll need to provide your CFCU Loan Processor with additional documents, so stay alert for requests and notifications. You'll  may also want to get a home inspection and will need to shop for homeowner's insurance. 

1. Submit Documents and Answer Requests from CFCU Community Credit Union.

Once you've decided to proceed with a loan, you may be asked to provide additional financial information and to submit documents to verify the information you previously reported to CFCU. 

Gather your documents. Use our application packet checklist as a guide for what to gather, if you haven't already. Ask your Mortgage Loan Sales Associate what additional documents you may need based on your particular situation. Keep all of your documents in one place so you won't have to waste time looking for them if CFCU needs more information. 

Submit your documents. Ask your Mortgage Loan Sales Associate or Loan Processor for precise instructions on how and where to submit the information-online, in person, email, fax, etc. Submit copies, keep your originals, and confirm that the right person has received your documents. 

Be proactive and responsive to your Loan Processor. Make sure your Mortgage Loan Sales Associate and Processor have your current contact information, check your email, voicemail, and mail frequently to make sure you don't miss any requests for more information. Respond quickly to requests for additional documents. 

What to Know: Submitting Documents

Apply Now!

2. Schedule a Home Inspection 

Once you've chosen a home, schedule a home inspection appointment as soon as possible. You want to have plenty of time to resolve any problems. 

Find a home inspector. Choose an inspector with a reputation for being honest and thorough. You want someone who will give you a complete and honest assessment of the physical condition of the home. Ask friends or family in your area if they have an inspector to recommend. Ask what about their experience specifically leads them to recommend the inspector. You can also look for inspectors online. Check reviews from other buyers. 

Schedule an independent inspection for the home as soon as possible. You want to know as soon as possible if there are any major problems with the home so you can decide whether or not you still want to buy the home. also, if additional inspections are needed, you'll want to have plenty of time to get them completed. 

What to Know About Home Inspections 

3. Shop for Homeowner's Insurance

Homeowner's insurance protects you in case of accidental damage to your home. CFCU requires you to have homeowner's insurance as a condition of your loan. You can choose your homeowner's insurance company. 

Shop for homeowner's insurance. Ask your family, friends, etc. if they have a recommendation for a homeowner's insurance company. You can also look for homeowner's insurance online. Contact several companies to get quotes in writing. Compare the costs and coverage amounts. See how your premium would change if you increase the deductible. Consider the reputation of the company. If something happens to your home, you want to be well covered. CFCU Insurance Services offers Homeowner's Insurance and may be the perfect fit for you! Learn more here. 

Choose a homeowner's insurance company and policy. Send the final information to your Loan Processor. 

Determine if you need flood insurance. Flooding causes $8 billion in damages in the Unites Sates in an average year. Homeowner's insurance typically does not cover damage from floods. Learn more about flood insurance at 

If you're buying a condo or co-op, homeowner's insurance may be more complicated. When you're buying into a multi-unit building, your condominium association's or co-op board's fees usually include master insurance for the common areas of the building, but you need your own insurance for your unit. 

4. Look Out for Revised Loan Estimates

As CFCU works to verify the information in your loan application, you may receive revised Loan Estimates. These new Loan Estimates indicate that something important has changed about the loan and its costs.  

Stay alert for communication from your Mortgage Loan Sales Associate and Processor. Check your email and mail frequently to make sure you don't miss a revised Loan Estimate or other important communications from CFCU.

Compare a revised Loan Estimate to the previous one you received. Can you tell what changed? If not, or if you don't understand why something changed, ask your Mortgage Loan Sales Associate or Processor right away. Ask: 

  • Can you explain why I received a new Loan Estimate? 
  • How is my loan different from what I was originally expecting? 
  • How does this change my loan amount, interest rate, monthly payment, other loan features, and cash to close? 

What to Know: Revised Loan Estimates

5. Review Documents Before Closing

Closing can be stressful. You may be getting ready to move. There's a lot going on, and a lot of paperwork to go over and sign. Make things easier on yourself by reviewing the documents in advance. 

Find out how you will receive your Closing Disclosure. CFCU will provide you a copy of your Closing Disclosure three days prior to closing. Contact your Processor at least a week before closing to find out how you will receive your Closing Disclosure. Find out if your Closing Disclosure will come via email, mail, if you will have to download it from a website, or if you will have to stop at a CFCU branch to sign. 

Find your most recent Loan Estimate from your paperwork file. Compare it to your Closing Disclosure. Our interactive sample Closing disclosure form helps you double-check details on your form and get definitions for terms used on the form. 

Request a copy of your other closing documents in advance. In addition to the Closing Disclosure, there are other important documents to review. Ask your loan Processor to send these documents to you in advance, at the same time as the Closing Disclosure. Key documents include: 

  • Promissory Note
  • Mortgage (also known as the Security Instrument or Deed of Trust)
  • Deed

Get our guide to closing forms and our closing checklist. The guide helps you review many of the other forms you receive at closing. The step-by-step closing checklist has tips for what to do and what to look out for before, at, and after closing. 

What to Know: Reviewing Documents

6. Close the Deal

Congratulations! You're ready to sign the papers to your new home and the loan that you will use to pay for it. 

Before you sign any paper, do a final walk-through of the home. Make sure everything that you and the seller agreed would be repaired and anything the seller agreed to leave in the house is in place. If it isn't, contact your real estate agent immediately to discuss. If this is your first time buying a home, or you're nervous about it for any reason, bring along a trusted adviser to the closing. 

Take your time. There are many documents involved in a real estate closing. Many are required by CFCU, and some are required by state and federal law. Regardless of who requires a document, you have the right to take your time and review them all. Make sure the information on the closing documents is exactly what you're expecting. If things look different than what you were told or than what your earlier paperwork said, ask questions. Don't sign anything until you're fully satisfied that the paperwork matches your expectations. 

What to Know: Closing the Deal

7. Save and File Your Documents

Your mortgage is a big financial commitment. Keep your documents so you can refer to them as needed. 

Save all of your final loan and purchase documents in a safe place. Save the whole stack or electronic file. Double-check to make sure you have these four key documents:

  • Closing Disclosure
  • Promissory Note
  • Mortgage (also known as the Security Instrument or Deed of Trust)
  • Deed

Save your budgeting documents and other information you used during the mortgage process. The information may be helpful in the future. 

Your Closing Disclosure can help you with your finances in the future. Your closing Disclosure can help you save money at tax time. Some of the closing costs you paid may be tax-deductible. You'll need your Closing Disclosure to complete your tax return accurately. When it comes time to consider refinancing your home or moving to a new home, your Closing Disclosure reminds you of the types of costs you can expect. Your Closing Disclosure may also be helpful for tax purposes when you sell your home. 


CFCU Insurance Services Customers save an average of $601!*

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 December 2018 to November 2019 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.


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