We have all the conventional options you need, as well as our No Closing Cost Refinance to ensure you start saving money on day one! If you are in the market for a Refi, you have found the right lender.
Refinance
Our No Closing Cost Mortgage option can be used on Refinances too!
Options
Refinance Options
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.
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Fixed Rate Mortgage (10, 15, 20, or 30 year term)
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No Closing Cost Fixed Rate Mortgage (10, 15, 20, or 30 year term)
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Adjustable Rate Mortgage
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FHA (15 or 30 year term)
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Jumbo Loans (greater than $417,000)
Any questions? We're here to help!
Enter our Mortgage Center for more information on our Terms and Rates!
Checklist
Refinance Checklist
Based upon the type of refinance you are doing, some, or even most of the items on this checklist may not be necessary.
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Your current residence address, or addresses, for the past two years.
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Social security numbers for all borrowers.
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Your employment history for the past two years. You'll need your employer(s) name, address and phone number.
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Income information for all borrowers. You'll be asked to include salary, overtime, bonuses, commissions, interest/dividend, retirement income and any other regular source of income.
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The year you purchased the property being refinanced, its original cost, current loan balance and payment amount.
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Bank and brokerage account information, including the institution name and current balances.
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If you own any real estate (other than the property you're refinancing), we'll have some basic questions including, address, current market value, the amount you owe, the amount of rental income you receive (if any), and what your monthly payment is.
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Information about your current debts. We'll ask for the name of the creditor, the account number, the current balance owing and the amount of your monthly payment.
Applying online only takes 15-20 minutes!
Rates
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!
Insurance
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.
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.
Certain restrictions apply with current CFCU Mortgages.
HOME MORTGAGE DISCLOSURE ACT NOTICE
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 (www.consumerfinance.gov/hmda).
BORROWER COMPLAINTS AND INQUIRIES
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 www.dfs.ny.gov.
How do I make a payment?
As with every question our members face, we try to make sure there are many convenient options to fit your lifestyle.
How do I make a payment?
As with every question our members face, we try to make sure there are many convenient options to fit your lifestyle.