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 Mortgage Advisor with over 25 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 mortgage 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

  • Highly recommend working with Jen and Patrick! They have made our first time home buying process great! Always there to answer every question, every text and email! If you... read more

    Stefanie Ector Avatar Stefanie Ector
    August 28, 2026

    Closing this week and Twin Tier Mortgage has been super helpful. I'm a first time home buyer and they were so great in the process and explained everything I needed.... read more

    Edele Morgan Avatar Edele Morgan
    May 4, 2026

    Patrick was very helpful in answering my questions in the front half, and Jenn was great at keeping the process moving till signing. Thanks! Enjoying our new home 🙂

    David Enders Avatar David Enders
    March 18, 2026

    Jenn and Patrick were professional, kind, always willing to answer any questions night and day! Walk my wife and I through everything effortlessly and smoothly! We hands down recommend them... read more

    Ryan Ramos Avatar Ryan Ramos
    February 6, 2026
  • Twin Tier Mortgage was an exceptional company to work with. As a first-time homebuyer, I was unfamiliar with many aspects of the process, but their team provided clear guidance from... read more

    Lucien Kalkhof Avatar Lucien Kalkhof
    January 20, 2026

    My experience with Twin Tier Mortgage has been exceptional.Pat Bola was very responsive and on top of every detail answering phone calls on evenings and weekends. Jenn Landon was equally... read more

    its_james88perry Avatar its_james88perry
    December 18, 2025

    The whole team is great, Patrick and Jenn are both fabulous -- on top of everything and excellent communicators, which is exactly what you want through a stressful process!

    Katharine Torgersen Avatar Katharine Torgersen
    December 5, 2025

    Twin Tier Mortgage was great to work with. They helped me through every stage of the mortgage process, explained everything clearly, and broke it all down in a way that... read more

    Jaylun Smolin Avatar Jaylun Smolin
    November 19, 2025
  • Jen has been a fantastic team player throughout purchasing our home. I highly recommend using Twin Tiers Mortgage while purchasing your new home or property. They have been an absolute... read more

    Alexis Evens Avatar Alexis Evens
    September 3, 2025

    As a first-time homebuyer, I was nervous about the mortgage process, but this team made it incredibly smooth. They were responsive, patient, and explained everything clearly. No surprises—just honest guidance... read more

    Mary B Avatar Mary B
    July 28, 2025

    My girlfriend and I recently bought a home with Twin Tier Mortgage. We couldn’t have asked for better people. Pat and Jenn are both super professional and they work tirelessly... read more

    Ryan Vaughan Avatar Ryan Vaughan
    June 27, 2025

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

    Michelle Paltrow Avatar Michelle Paltrow
    June 3, 2025
  • Patrick and Hen are wonderful! Fast efficient, great communication. I highly recommend them!!

    Michelle Paltrow Avatar Michelle Paltrow
    May 31, 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

    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 12, 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
  • 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
    February 25, 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
  • 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 23, 2025

    Excellent service and extremely helpful!!

    Amy James Avatar Amy James
    January 23, 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 16, 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