Offering conventional options, as well as our No Closing Cost Refinance, we have what you need to ensure you save money from day one! If you are in the market for a Refinance, you have found the right lender.

Enter our Mortgage Center and view our Online Application!


Refinance Options

  • 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 $$647,200)

Any questions? We're here to help!

Enter our Mortgage Center for more information on our Terms and Rates!


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.

  •  Your current residence address, or addresses, for the past two years.  

  • Social security numbers for all borrowers.  

  • Your employment history for the past two years. You'll need your employer(s) name, address and phone number.  

  • 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.  

  • The year you purchased the property being refinanced, its original cost, current loan balance and payment amount.  

  • Bank and brokerage account information, including the institution name and current balances.  

  • 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. 

  • 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!

Enter our Mortgage Center today to learn about refinancing!


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.
Triphammer Branch, 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

Allie Ridley

Committed to accomplishing your mortgage goals from start to finish!
Tops Plaza Branch, Waterloo

Sean Loomis

I can't wait to help you get into your dream home!
Mortgage Office at 1050 Craft Road, Ithaca

*APR = Annual Percentage Rate. All loans subject to approval; minimum credit score of 600 required for approval. Second Chance Mortgages are the refinance of non-CFCU mortgages only. Home must be a one-unit, primary residence. PMI required if LTV>80%. Transformation Checking and Autopay are required. Savings may vary and are not guaranteed. Federally insured by NCUA. Equal Housing Opportunity. NMLS# 299582.


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