Home Refinancing Ithaca NY

Homeowners can apply for home refinancing, meaning they can get an entirely new mortgage on their home. This can be advantageous when mortgage interest rates fall below what they were when the original mortgage was taken out. This will result in lower payments and savings over the entire life of the loan. But homeowners must meet certain criteria before they can refinance; homeowners’ credit file will be reviewed, and a title report along with a report on liens on the property will be done, among other things, when the homeowner is going through the application process.

Cfcucommunity Credit Union
(607) 257-8500
1030 Craft Road
Ithaca, NY
 
Stanley T. Barlow Agency
(607) 257-2306
2333 N Triphammer Rd
Ithaca, NY
 
Guardian Loan Company of Massapequa Incorporated
(607) 277-6269
1001 West Seneca Street
ITHACA, NY
Services
Mortgage Brokers

Cfcu Community Credit Union
(607) 257-8500
1030 Craft Rd
Ithaca, NY
 
Citizens Bank - Ithaca
(607) 272-3731
408 Elmira Avenue
Ithaca, NY
Type
Branch
Office Hours
Mon: 9AM-4PM
Tue: 9AM-4PM
Wed: 9AM-4PM
Thu: 9AM-5PM
Fri: 9AM-6PM
Sat: na
Sun: na
Drive Up Hours
Mon: 9AM-4PM
Tue: 9AM-4PM
Wed: 9AM-4PM
Thu: 9AM-5PM
Fri: 9AM-6PM
Sat: na

HSBC Bank
1.800.975.HSBC (4722)
Across From Ithaca Mall 2315 N Triphammer Rd
Ithaca, NY
Services
Branch Services: Wheelchair Accessible Lobby, Deposit Drop Box, Night Deposit Drop Box, Notary Available
ATM Services: ATMs: 1, Wheelchair Accessible ATM
Office Hours
MONDAY: 09:00 am - 04:00 pm
TUESDAY: 09:00 am - 04:00 pm
WEDNESDAY: 09:00 am - 04:00 pm
THURSDAY: 09:00 am - 05:00 pm
FRIDAY: 09:00 am - 05:00 pm
SATURDAY: -
SUNDAY: -
Drive Up Hours
MONDAY: 09:00 am - 04:00 pm
TUESDAY: 09:00 am - 04:00 pm
WEDNESDAY: 09:00 am - 04:00 pm
THURSDAY: 09:00 am - 05:00 pm
FRIDAY: 09:00 am - 05:00 pm
SATURDAY: -
SUNDAY: -

Evolve Bank & Trust
(607) 319-4668
200 E Buffalo St Ste 301A
Ithaca, NY
 
M & T Bank - M & T Mortgage Corporation
(607) 273-7111
118 North Tioga Street
ITHACA, NY
Services
Mortgage Brokers

Cornell Fingerlakes Credit Union
(607) 257-8500
1030 Craft Road
ITHACA, NY
Services
Mortgage Brokers

Real Estate Services
(607) 277-8855
204 Cornell Street
Ithaca, NY
 
Opinion Corner
People in New York shared their opinions about Home Mortgage
Do you own or rent a home?
Own: 64%
Rent: 28%
Other: 6%
The recent credit crisis seems to have affected everyone. How has it affected you?
I have lost my home: 4%
I have had to downgrade my home: 6%
I am living paycheck to paycheck: 27%
I have eliminated some of my expenses in order to keep my home: 27%
It has not affected me: 28%
Other: 5%
What is the value of your house in relation to your outstanding mortgage?
I am in the red: 11%
I have some equity in my home: 53%
I own my home outright: 15%
I have no idea: 17%
Other: 1%
Have you been able to take advantage of the lower interest rates and refinance your mortgage?
Yes: 44%
I have tried but have not been successful: 22%
No: 32%
Have your savings/retirement funds been affected?
No, haven’t touched my savings/retirement: 51%
Yes, they were slightly affected: 30%
Yes, they were significantly affected/drained: 18%
Source: Survey.com