Top 3 Mortgage Lenders in Horseheads

As the leading local financial institution serving the Horseheads area for over eight decades, CFCU Community Credit Union has built an exceptional reputation for mortgage lending. They offer highly competitive rates to members and provide personalized service through local loan officers who understand the Southern Tier housing market. Their mortgage team consistently receives praise for guiding borrowers through the entire process with transparency and expertise, particularly benefiting first-time homebuyers with educational resources and flexible loan options.

With deep roots in the Finger Lakes region and multiple branches serving the Horseheads area, Tompkins Community Bank brings exceptional local expertise to mortgage lending. They combine the personalized service of a community bank with sophisticated lending capabilities, offering competitive rates and flexible terms. Their mortgage team is praised for responsive communication and thorough guidance throughout the loan process, with particular strength in construction loans and relationship-based banking for both new purchases and refinancing.

As a leading regional mortgage lender with extensive experience serving New York State communities including Horseheads, Premium Mortgage Corporation offers a comprehensive range of loan products with competitive pricing. They are particularly noted for their expertise in complex financing scenarios and renovation loans, with loan officers who provide dedicated personal service. The company maintains strong relationships with local real estate professionals and has built a reputation for reliable closings and creative solutions for unique borrower situations.