Mortgage Lenders

CFCU Community Credit Union

Nicole Cottone, Mortgage Originator

607-756-6968 (office)

607-756-6978 (fax)


Rt 281 Tops Plaza, PO Box 149 Cortland, NY 13045


CommonFund Mortgage Corp.

John H. Birkmier, Jr, Mortgage Consultant

315-422-2325 (office)

315-422-1258 (fax)

315-430-1476 (cell)


717 Erie Boulevard West Syracuse, NY 13204


Elmira Savings Bank

Taryn L. Schwartz

607-257-3584 (office)

607-229-3112 (cell)



The First National Bank of Dryden

Michelle L. Browngardt

607-844-8141 (Dryden)

607-753-0392 (Cortland)


7 W Main St Dryden, NY 13053



John J O’Brien, Regional Sales Manager

315-445-2000 ext: 214 (office)

315-445-2008 (fax)

315-345-1999 (cell)




Mark Huefner, Mortgage Consultant

607-758-2200 (office)

607-745-4882 (fax)



Paragon Home Loans

Jackie Newton, Loan Officer

607-543-0930 (cell)

888-482-0084 (fax)



Syracuse Securities

Heather Connell, Loan Officer ()

315-399-7591 (cell)

Paul Palladino, Loan Officer ()

315-415-2093 (cell)

Eric Johnson, Loan Officer ()


1010 James St

Syracuse, NY 13203

315-424-0218 (office)

315-424-6055 (fax)


Territory Mortgage Inc.

Mark Holzhauer, Senior Mortgage Consultant

315-561-9580 (phone)


43 Oswego St Baldwinsville, NY 13027

Financing for single & double wides


Thoma Development Consultants

Linda M. Armstrong, Program Manager

607-753-1433 (office)

607-753-6818 (fax)


34 Tompkins St Cortland, NY 13045

Thoma is an innovative community development consulting firm serving municipalities and private customers throughout New York State. We specialize in planning, economic market analysis, grant preparation, and program implementation in the areas of housing, economic development, infrastructure, downtown revitalization, and community facilities.


Tompkins Trust Company

Laurie A. Anania, Residential Mortgage Officer

607-756-0436 (office)

607-662-0650 (fax)

607-745-2199 (cell)


33 Clinton St Cortland, NY 13045


USDA Rural Development

Donna M. Rugino, Area Specialist

607-753-0851 Ext. 102 (office)

607-753-3190 (fax)


1 N. Main St – 2nd Floor Cortland, NY 13045

Section 502 Direct provides loan and very low income people the opportunity to acquire, build, rehabilitate, or improve single family dwellings in rural areas. Section 502 Guaranteed Single Family housing Loan Program if your income is too high.