Online Mortgages | First Mortgages | First Adjustable Rate Mortgage
Home Equity Lines of Credit | Home Equity: Single Disbursement

CCSD Home Loan Products

CCSD offers a wide variety of mortgage loans to meet whatever your needs may be. Our offerings include, first mortgages, home equity lines of credit and second mortgages.

Each of our real estate loans feature payment frequencies ranging from weekly to monthly.

Repayment options include:

• Payroll deduction
• Automatic debit from savings or checking
• Payments through PAT, our audio response service
• Homebanking
• Cash or check

ONLINE MORTGAGES: Apply Here

It's easy and convenient to apply online for your first mortgage. Whether you're purchasing a new home or refinancing your existing loan.

CCSD has eliminated traditional paperwork and red tape in favor of a few clicks and few questions.

To speak with a Mortgage Loan Consultant, please call 607-733-4624

Check Rates and Terms | Email us | Mortgage Calculator 

• Purchase or refinance
• Fixed rates
• Terms up to 30 years
• 1 to 4 family owner occupied primary residences only
• Property must be in Broome, Chemung, Schuyler, Steuben, Tioga or Tompkins Counties in New York or Bradford or Tioga Counties in Pennsylvania
• No prepayment penalty
• Member pay credit life insurance available
• Additional financing terms available. Please contact our mortgage department at (607) 733-4624

Check Rates and Terms | Email us | Mortgage Calculator 

• 15, 20, and 25-year terms
• Purchase, 20% down payment required
• Refinance, up to 80% of the appraised value
• Fixed interest rate for 5 years
• Interest & payments adjust annually, 2% annual cap, 6% lifetime cap

• 15 year term, 8 year draw
• Variable rate only; rate change quarterly; annual payment adjustment
• Property must be in Broome, Chemung, Schuyler, Steuben, Tioga or Tompkins Counties in New York or Bradford or Tioga Counties in Pennsylvania
• 1 to 4 family owner occupied primary residences only
• Will lend up to 100% of appraised value, less existing mortgage

• Fixed and variable rates available
• Property must be in Broome, Chemung, Schuyler, Steuben, Tioga or Tompkins Counties in New York or Bradford or Tioga Counties in Pennsylvania
• 1 to 4 family owner occupied primary residences only
• Will lend up to 100% of appraised value, less existing mortgage