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Finance the perfect setting for all of life’s milestones with help from your Western New York neighbors.

Key Features

  • Low Rates
  • Flexible Terms
  • Local Decision-Making
  • Experienced Lenders
  • Competitively low interest rates for home purchase, refinance, or construction
  • Several convenient mortgage options available, including:
    • Fixed rate mortgages
    • Adjustable rate mortgages
    • Construction loans
    • Rural development loans
    • And more
  • Flexible terms for comfortable repayment
  • Free pre-qualification for extra confidence when it comes to securing financing
  • Refinance your current home to potentially lower your rate
  • Experienced lenders with expert knowledge in the local real estate market
  • Fast decision-making and local processing
  • Personalized service you can trust from Western New York lenders

Get your dream home off the ground sooner with construction and permanent financing all in one. We offer several draw options for new home construction. Then roll your construction loan into full home mortgage loan upon completion. 

Save on closing costs with a convenient one-time closing. Plus, get a competitively low interest rate.

Learn more about the different types of mortgage loans we offer, and reach out to us for help choosing the right one for you.

  • Fixed Rate Conventional – Lock in your rate, various terms available. Ask about 5% down with PMI.
  • Construction Loans – Construction and permanent financing all in one. Several draw options are available for new home construction. 
  • Vacant Land Loans – Finance up to 75% of the purchase price or value of the land. Terms at competitive fixed rates.
  • Non-Conventional Property Loans – Seasonal homes and non-conventional properties.
  • Rural Development – Single family owner occupied property only. 100% financing available. May be able to roll in closing costs. Income limits apply.
  • Adjustable Rate Mortgage (ARM) – Provides greater flexibility and lower payments when market conditions are in your favor.

National Mortgage Licensing System (NMLS) #451368

Main Office – One Steuben Square, Hornell NY 14843

James M. Knapp
Residential Mortgage Lender
Home Equity Loan and Line Lender
Commercial Lender
Consumer Lender
NMLS # 544201
Phone: (607) 324-9670 

Bath Office – 201 Bath Plaza, P.O. Box 510, Bath NY 14810

Jessica L. Thomas
Residential Mortgage Lender
Home Equity and Line Lender
NMLS # 988294
Phone: (585)-205-5952

Geneseo Office – 11 Megan Drive, Geneseo, NY 14454

Craig W. Nobbs
Residential Mortgage Lender
Home Equity Loan and Line Lender
Commercial Lender
Consumer Lender
NMLS # 685575
Phone: (585) 243-0380

Wellsville Office – 475 N. Highland Ave. Wellsville, NY 14895

Marcy Bledsoe
Residential Mortgage Lender
Home Equity Loan and Line Lender
Consumer Lender
NMLS # 685570
Phone: (585) 596-2006

View our Mortgage Fee Schedule or contact information for loan payments or mortgage questions.