Moving Couple


Buying a home is the biggest financial decision you’ll ever make. That’s why it’s important to choose a banking partner who can help you through the home-buying process from start to finish. When you’re ready for a loan, we’ll help you find and secure one that works best for you and your situation—with competitive rates and terms, and simple payment options. Reach out to us anytime and ask us about any of the products below. We’re here to help.

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Buying a new home is always a big deal, but adjusting to a new country at the same time is even more challenging. For Connor and Dayle, who moved from England all the way to Cooperstown, Community Bank was the key to a smooth transition. Learn how Community Bank worked with Connor and Dayle to build their credit from the ground up and help them buy their first home in the U.S.

What’s the Best Mortgage for You?

Fixed-rate loans feature predictable rates and payment schedules for certainty and peace of mind. They’re often ideal for long-term mortgages and home investments. With a fixed–rate mortgage, you'll always know what your monthly principal and interest payments will be. You can also lower your monthly payments by spreading them out over a long period of time. This is a good loan to lock in when rates are low. The predictability of the payments and payment schedule make it easier to pay ahead of your mortgage as well, such as making an extra mortgage payment every year to reduce the length of the loan. A variety of monthly repayment terms are available.

No closing cost mortgages can save you a great deal in upfront costs on your next home. Whether your household is expanding or you just want to upgrade your nest, the savings on closing costs can easily add up to thousands of dollars. For first-time homebuyers, that’s extra cash that can be used to make your new house really feel like home. You can also use the extra money to invest in a home improvement project that will help you sell your home for more down the road. Click here for details.

Mortgage refinancing can help you get more out of your home by restructuring your current mortgage terms. You can refinance for a variety of reasons, including cash-out equity, shorten/extend payment terms, borrow at a lower rate, eliminate mortgage insurance (Certain conditions apply. Speak with a mortgage loan officer for details.)

Jumbo mortgages are designed for higher-value properties and are offered in fixed-rate options. The loan-to-value ratio is available up to 90% based on borrowed amount.

Mortgages for second homes are available to those who are interested in that home away from home. You generally will need a larger down payment, ranging from 10% to 20% of the purchase price. If you plan to use the property primarily as an investment, stricter qualification rules may apply.

Construction loans can help you afford to build a new home or undertake significant remodeling jobs. Ideal for fixer-uppers, construction loans are payable only to approved contractors.

Bi-weekly loans reduce interest costs by adjusting payments to a bi-weekly schedule.

Affordable housing programs include the no closing cost mortgage, HomeReady, and United States Department of Agriculture (USDA)-sponsored loans. USDA loans are 100% financed in USDA-eligible areas.

Vacant land loans are available for either “raw land” or a buildable lot. Fixed-rate options are available with loan-to-value ratio as high as 75%. Vacant-land loans can be used only for purchasing land.

Double-wide loans are secured for home financing assistance of double-wide manufactured homes on owned land. Purchase with as little as a 5% down payment; a variety of monthly repayment terms are available. (Some conditions and restrictions may apply. Speak with a mortgage loan officer for details.)

Single-wide loans are available for single-wide homes on your own land. Loan-to- value ratio is 80% with fixed-rate options up to 15-year terms. (Some conditions and restrictions may apply. Speak with a mortgage loan officer for details.)

Contact one of your local mortgage specialists here.

Frequently Asked Questions

Yes! We have Portfolio Programs that just may interest you.

No. Many of our programs offer escrow as an optional service.

We would love to offer you a free mortgage consultation. Just stop into any one of our branch locations or call to make an appointment.

We offer fixed-rate home equity loans and a home equity line of credit option.

We are Community Bank, N.A. We're your neighbor, mortgage lender and personal banking resource. Sure, you can mail us your payment if you prefer, but you can also come in and see us every month and make your payment right at your local branch office. Need assistance? Call your Mortgage Banker at your local branch office and he or she will be happy to assist you.

You can pay your loan via your online banking account, stopping into any branch, or call 1-800-239-8513.

If you would like to request information or submit a complaint relating to the servicing of your account, please notify us in writing using the steps below:

1. Send your written request to:
   Community Bank, N.A.
   Attn: Loan Operations Department
   PO Box 628
   Olean, NY 14760-0628

   And include the following information:

     • Your name, mortgage or home equity account number and address
     • The information you are requesting and/or the nature of your complaint.


2. Call us toll-free at 1-866-764-8638

As a National bank, Community Bank is not required to nor are we registered as a mortgage servicer with the NYS Department of Financial Services. Complaints may be filed and further information about Community Bank, N.A. may be obtained by contacting the NYS Department of Financial Services Consumer Assistance Unit at 1-800-342-3736 or by visiting the Department’s website at:

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