Our No Closing Cost Mortgages saved our members over $4.5 Million in closing costs in the past 5 years!
Apply OnlineFeatures
- Fixed Rate
- No Closing Cost Refinance Mortgages are also available
What Will You Save
If you choose a No Closing Cost Mortgage, you save on the following closing cost fees:
- Appraisal
- Credit Report
- Flood Certification
- Mortgage Tax
- Lender’s Title Insurance
- Tax Service Fee
- Recording Charges
Meet the Team
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Jayne Ellis
Triphammer Branch
Ithaca Jayne Ellis -
Kimberly Rozell
East Hill Branch
Ithaca Kimberly Rozell -
Lisa Smith
East Syracuse Branch
East Syracuse Lisa Smith -
Missy Park
Transformation Center Branch on the Commons
Ithaca Missy Park -
Nicole Cottone
Rt. 281 Branch
Cortland Nicole Cottone -
Sean Loomis
Meadow Street Branch Ithaca
Waterloo Branch Waterloo Sean Loomis
*NO CLOSING COST MORTGAGES
No Closing Cost Loans require a 3-year recapture period and Transformation Checking with Autopay.
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/data-research/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.