Home Mortgages

Home Mortgage Options to Help You Buy Your First Home or Your Dream Home

At CS, our commitment to community means helping individuals and families across Cattaraugus, Chautauqua, and the Western New York region achieve their goals for home ownership. Whether it’s your first home or your dream home, CS offers you a choice of mortgage options; competitive interest rates; fast, local approvals; and personalized guidance every step of the way, from pre-application to closing.

Types of Home Mortgages

Fixed Rate Conventional Mortgage

Features an interest rate that remains the same throughout the life of the loan, which means your monthly principal and interest payment will be steady and predictable.

No Closing Cost Mortgage

Rate is from 0.25% to 0.50% over current rates depending on the product selected and loan amount while certain closing costs are paid for by the bank.

Adjustable Rate Mortgage (ARM)

Offers lower initial interest rates and can be an excellent choice of financing under certain situations like rising income expectations and short-term ownership.

USDA Rural Development Mortgage

USDA Rural Housing loans offer homebuyers within certain income limits the perfect opportunity to own a home. Enjoy low to no down payment options.

Construction Mortgage

If you are planning on building or remodeling a home, we can help finance it through a residential construction loan.

What You’ll Need for Us to Proceed

Once we receive your completed mortgage application, including the items listed below (if required), we will begin to process it right away. This mortgage checklist will help you identify the items you will need to provide. 

  • Signed application
  • Your most recent pay stubs covering a 30-day period
  • Signed copies of your last 2 years Federal Income Tax returns with all schedules and W2 forms
  • A copy of your last mortgage statement (if applicable)
  • A copy of the property deed
  • Last year’s paid property tax receipts and any receipts for taxes paid year-to-date
  • A copy of your 40/40 lease (if applicable) along with the receipt of paid lease
  • A copy of your title search / abstract of title
  • Proof of Homeowners Insurance
  • Purchase agreement or building contract

A CS mortgage representative will help you find the home mortgage loan that’s right for you