Top 3 Mortgage Lenders in Homer

Tompkins Community Bank stands as one of the most established and highly-rated regional lenders serving the Homer area through their nearby Cortland branch. With over 185 years of community banking experience, they offer personalized mortgage services with local decision-making. Their mortgage team receives exceptional reviews for responsiveness, competitive rates, and guiding borrowers through the entire process. As a community-focused institution, they have deep roots in Central New York and understand the local real estate market dynamics, making them a top choice for Homer residents seeking a trusted local mortgage partner.

Empower Federal Credit Union, while based in Syracuse, serves the entire Central New York region including Homer and has earned outstanding ratings for their mortgage services. As a not-for-profit financial cooperative, they often offer more competitive rates and lower fees than traditional banks. Their mortgage specialists are praised for providing exceptional customer service and educational guidance, particularly for first-time homebuyers. With digital mortgage applications and local underwriting, they combine modern convenience with personalized service, making them an excellent choice for Homer area borrowers.

Guaranteed Rate's Syracuse office serves the Homer area with nationally-recognized excellence in mortgage lending, earning numerous industry awards and exceptional customer ratings. They are renowned for their innovative digital mortgage platform that streamlines the application process while maintaining high-touch personal service. Their local mortgage experts receive consistent praise for expertise in navigating complex loan scenarios and securing competitive rates. With extensive experience across all loan types and a strong track record of on-time closings, they provide Homer residents with access to national lending power combined with local market knowledge.