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
 
Jeffrey T. Dubert Agency
(607) 273-3097
609 W Clinton St
Ithaca, NY
 
Atlantic Title And Abstract Corporation
(607) 272-9310
320 North Aurora Street
Ithaca, NY
 
Guardian Loan Company of Massapequa Incorporated
(607) 277-6269
1001 West Seneca Street
ITHACA, NY
Services
Mortgage Brokers

Southern Tier Morigage CO
(607) 266-8800
2359 North Triphammer Road
ITHACA, NY
Services
Mortgage Brokers

Citizens Bank - N. Triphammer/Tops
(607) 257-3322
2300 N. Triphammer Rd
Ithaca, NY
Type
Branch
Office Hours
Mon: 11AM-7PM
Tue: 10:30AM-7PM
Wed: 10:30AM-7PM
Thu: 10:30AM-7PM
Fri: 10:30AM-7PM
Sat: 10AM-4PM
Sun: 11AM-3PM

Citizens Bank - Ithaca Tops
(607) 277-8500
710 South Meadow Street
Ithaca, NY
Type
Branch
Office Hours
Mon: 11AM-7PM
Tue: 10:30AM-7PM
Wed: 10:30AM-7PM
Thu: 10:30AM-7PM
Fri: 10:30AM-7PM
Sat: 10AM-4PM
Sun: 11AM-3PM

Fleet Private Clients Group
(800) 266-3085
304 Elmira Road
ITHACA, NY
Services
Mortgage Brokers

Atlantic Mortgage Banking
(607) 273-1602
320 North Aurora Street
ITHACA, NY
Services
Mortgage Brokers

Evolve Bank & Trust
(607) 319-4668
200 E Buffalo St Ste 301A
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