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Mortgages

 Tompkins VIST Bank offers expert mortgage services to help you achieve your homeownership dreams. We work with each customer to determine the best loan for their needs.

We offer the following:

  • Easy online application process.
  • Numerous loan options to meet your specific needs, including fixed and adjustable rate mortgages, special programs and more.
  • Free pre-qualifications so you can look for your home knowing what you can afford.
  • Quick decisions so you can close on your dream home quickly. Visit our what to expect section when applying with us.
  • Check out today’s rates and sign up for our free rate watch service that provides up-to-date rate information via email so you can decide when to apply.
  • Personal assistance from a local Mortgage Officer.
  • Online resources with frequently asked questions, loan calculators, glossary of terms and more.
  • Investment property financing, cash out and no cash out refinances and construction loans

Loan Options

Tompkins VIST Bank offers numerous options for the first time home buyer or the seasoned homeowner that includes competitive rates, expert advice, easy application process and quick decisions. We offer the following:
Requests for information and Notices of Error, including Qualified Written Requests.
If you wish to request information or assert an error relating to the servicing of your mortgage loan, including any Qualified Written Requests, you must use the address below and include your name, your mortgage loan account number, property address and a statement of either the information you are requesting or the error you believe has occurred:

Loan Servicing
P.O. Box 6569
Ithaca, NY 14851


You can choose from several terms. Make regular monthly payments throughout the life of the loan. 

Visit our Mortgage Resource Center to get today’s rates, learn more and apply now.

We have a wide selection of adjustable rate mortgages to offer you more affordability. Longer terms between rate adjustments give you many of the advantages of fixed rate mortgages.

Visit our Mortgage Resource Center to get today’s rates, learn more and apply now.

One loan - with one closing and fewer fees - does it all from start to finish. Funds are allocated during the construction period. The loan then converts to a permanent mortgage when construction is completed.








Our mortgage specialists can help you choose the mortgage that is right for you. Visit any branch office or request additional information


All loans subject to credit approval

*Subject to credit approval and to income and other qualifying guidelines