Mortgages | PA and NY USDA Loans | Home Loans

Looking to put down roots or make a move?

We understand. After all, we’ve been your neighbor for a long time. The home buying and mortgage process can sometimes be a bit challenging, but we’re here to make it a bit easier. Whether you’re a first-time homebuyer just getting started, or you know the real estate market like the back of your hand, we’ll help get you through the process.

Our mortgage products and programs include competitive rates, expert mortgage advice, an easy mortgage application process and quick decisions. We’d call that a win!

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Tompkins is now accepting Homebuyer Dream Program® reservations for the 2024 year!

Adjustable Rate Programs

Adjustable rate programs are a bit different. They are sometimes more affordable as you may qualify for a lower interest rate now. However, the interest rate can change over time. They offer the same flexibility in terms as a fixed rate loan.

Community One

Worried about not having 20% to put toward a down payment? We understand – the world’s changing.

Construction and Land Loans
Hoping to build your dream home? Sometimes the right house isn’t out there and you just need to build your vision. We can help! One loan - with one closing and fewer fees - does it all from start to finish. Funds are allocated during the construction period. The loan then converts to a permanent mortgage when construction is completed.

Fixed Rate Programs

This is your standard mortgage loan you may already know quite a bit about. Basically, you’ll choose from several terms – whether that be 15-years, 30-years, or something else. During the life of the loan, you’ll make regular monthly payments at the same interest rate.

Green Mortgage

If you are considering buying a home that requires energy-efficient upgrades, Tompkins has the solution for you.

Home One

If you’re just starting out on your own and are concerned about saving for a down payment, Home One from Freddie Mac can help.

Home Possible®

Through our partnership with Freddie Mac, Home Possible® mortgages offer low down payments for low- to moderate-income homebuyers.

No Closing Cost Mortgage

Ready to buy a house, but worried about having enough cash on hand to cover the down payment and closing costs? Tompkins is proud to offer a No Closing Cost Mortgage for purchases or refinances of your primary or second home.

Rate Modification

Take advantage of rates as they drop. With Tompkins Rate Modification Program,* you can buy with confidence with our always-competitive rates. And if they drop, you can modify the rate of your mortgage without refinancing.

Renovation Loan

Don’t let anticipated repairs keep you from buying your dream home – get the funds you need to purchase or refinance and make updates, all with one loan from Tompkins.

Seasonal or Camp Property Loan

Finance the purchase of your seasonal/camp property or refinance an existing loan on your property.

USDA

We partner with the United States Department of Agriculture (USDA) to offer USDA loans. Basically, a USDA loan is special type of a zero down payment mortgage that eligible homebuyers in rural areas can get through a partnership between the United States government and their local bank.

Loans subject to credit approval, income, and other guidelines.

Requests for information and Notices of Error, including Qualified Written Requests.

If you wish to request information or assert an error relating to the servicing of your mortgage loan, including any Qualified Written Requests, you must use the address below and include your name, your mortgage loan account number, property address and a statement of either the information you are requesting or the error you believe has occurred:

Loan Servicing
P.O. Box 6569
Ithaca, NY 14851