Dear Neighbor ~

When deciding to buy a home or refinance a mortgage in the New York and Pennslyvania market, contact your local Mortgage Experts
~ at TWIN TIER MORTGAGE.

Let us take the “Fuss” out of the Mortgage lending process. We proudly service the ENTIRE Twin Tier region of New York and Pennsylvania.

Homebuyers

See how much you qualify for in today's market.

Refinance

We can help you lower your rate or take cash out.

Today's Rates

See if the time is right for you to purchase
or refinance.

Ask A Question

We can answer your mortgage related questions.

What are you waiting for?

Getting started is easy!

USDA Rural Loans

VA Loans

FHA Loans

24 Hour Pre-Qual

Conforming Loans

Authorization Docs

Our best asset is Service. We’ll take a “consultative approach” as a trusted Financial Advisor with over 15 years experience in the mortgage industry. Whether you are looking to Purchase your first Home, Refinance an Outstanding Debt in or Consolidate Debts, we will discuss your overall financial goals and present you with multiple loan alternatives comparing Rates, Terms and Fees and make the process an easy and affordable one for you. We’ll be pleased to answer each and every one of your questions about the Mortgage lending process to the fullest extent.

 

We are your New York Mortgage Expert! Whether you are looking to Purchase or Refinance… whatever the reason… Twin Tier Mortgage is here to help!

 

Call Us or Apply Online Today!
We are Local ~ We are Knowledgeable ~ We Take the Fuss Out of Mortgages!

 

P.M.B. Inc. dba Twin Tier Mortgage
Come Visit Us At: 2205 College Avenue Suite 102
Elmira Heights, NY 14903
Proud to be a NYS Registered Mortgage Broker NMLS # 64118 / All Loans Provided Through 3rd Party Lenders
NMLS Consumer Access Website

What our clients are saying

  • Patrick and Hen are wonderful! Fast efficient, great communication. I highly recommend them!!

    Michelle Paltrow Avatar Michelle Paltrow
    June 3, 2025

    I cannot speak highly enough about Twin Tier Mortgage! From start to finish, their team delivered exceptional service, unmatched professionalism, and a genuine commitment to making the mortgage process smooth... read more

    John Beckmann Avatar John Beckmann
    May 24, 2025

    From start to finish & through all off the many steps & bumps in the road, TTM was excellent in all aspects! My Loan Processor, Jenn Landon, was outstanding at communication... read more

    Gillian Clark Avatar Gillian Clark
    March 24, 2025

    Very friendly and helpful staff. They helped my spouse and I buy our first home and made the process very smooth and as stress free as possible.

    Hannah Walker Avatar Hannah Walker
    January 24, 2025
  • Excellent service and extremely helpful!!

    Amy James Avatar Amy James
    January 24, 2025

    I had the best experience with Patrick and Jenn. They made the whole process seamless and were amazing with updates on a regular basis. I highly recommend!

    Susan Crabtree Avatar Susan Crabtree
    January 24, 2025

    I had a great experience; the team was helpful. I did not have to take off work to send any documents to them. I would recommend them to anyone that... read more

    gisele dure Avatar gisele dure
    October 24, 2024

    Jenn and Patrick were a great team to work with. Jenn was very responsive and timely with any questions the Candy or myself had during the process of purchasing... read more

    James WAINWRIGHT Avatar James WAINWRIGHT
    October 24, 2024
  • I first have to shout out Patrick Bola for getting us started on our new home journey. He was awesome from the get go. Secondly I have to shout out... read more

    Anthony S Avatar Anthony S
    June 24, 2024

    Repeat customer. They made buying both our homes an easy process. Clear communication, I always recommended twin tier to friends and family who are buying and don’t know where to... read more

    Ashley Thornton Avatar Ashley Thornton
    June 24, 2024

    Absolutely phenomenal service provided to me by everybody here. After 4 long months and multiple hiccups I was finally able to close on my dream home with the help of... read more

    Josh Davonski Avatar Josh Davonski
    June 24, 2024

    Pat and his team are spectacular and helped us get our Dream home!! Great job

    Chris Silvers Avatar Chris Silvers
    June 24, 2024
  • Twin Tier Mortgage was an absolute pleasure to work with! My husband and I were first time homebuyers and Patrick and Jen were there for us every step of... read more

    Carly Cushing Avatar Carly Cushing
    June 24, 2024

    I couldn't say enough good things about Twin Tier Mortgage. The process was seamless from the very beginning. Patrick Bola was very helpful and knowledgeable. He provided answers to all... read more

    Rabii Rhrara Avatar Rabii Rhrara
    June 24, 2024

    Both Jenn and Patrick at Twin Tier Mortgage have made the buying process very smooth and easy. Thank you for all your help and knowledge!

    Britt VanAmburg Avatar Britt VanAmburg
    June 24, 2024

    Jenn and Patrick made buying a house very enjoyable. Patrick was very professional and Jenn worked very hard to get everything I needed to close on my home! Thank you... read more

    nicholas spallone Avatar nicholas spallone
    June 24, 2024
  • It was a pleasure doing business with Twin Tier Mortgage. Pat Bola and Jenn Landon were both phenomenal during the process of purchasing my home, start to finish. When I... read more

    L Scott Avatar L Scott
    June 24, 2024

    As a first- time home buyer, working with Jenn, Patrick ,and all of Twin Tier Morgage has made a goal become achievable with great ease! The communication, quick feedback, and... read more

    Shelby M Avatar Shelby M
    June 24, 2024

    I had the pleasure to work with Jenn and Patrick while buying my house through Twin Tier Mortgage. They were very thorough, quick, and helpful during the whole process.

    Wina Vanrensselaer Avatar Wina Vanrensselaer
    June 24, 2023

    Great team to work with. Bruce always responded to any questions or help I needed.

    andre mcgriff Avatar andre mcgriff
    June 24, 2023
  • Twin tiers mortgage made the home buyer process easy. The staff was attentive and worked hard to make the purchase go through. I would recommend Twin Tiers Mortgage to anyone.

    Jamie Pollack Avatar Jamie Pollack
    June 24, 2023

    Very good with communication and easy to get hold of would definitely recommend them to anyone looking to buy a home!

    Faith Kelly Avatar Faith Kelly
    June 24, 2023

    It has very easy and a great pleasure too work with Twin Tiers Mortgage! Everyone has been very friendly, helpful and accommodating. They are normally almost always available through email,... read more

    Kerwin Thompson Avatar Kerwin Thompson
    June 24, 2023

    The team at Twin Teir Mortgage is amazing! We are repeat customers and they walked us through everything and made the process very seamless. Definitely recommend!

    Joe Liotino Avatar Joe Liotino
    June 24, 2023