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Dear Neighbor ~

When deciding to buy a home or refinance a mortgage in the New York 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 including Elmira, Corning and Horseheads.

We specialize in:

Purchase Loans - First Time Hombuyer - FHA, USDA, VA, Fannie Mae
Debt Consolidation

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!

Come Visit Us At: 108 Lake Street Elmira, NY 14901
Proud to be a NYS Registered Mortgage Broker NMLS # 64118 / All Loans Provided Through 3rd Party Lenders
Find the solution that fits your needs.

Purchasing a Home?

Turn the home of your dreams into reality. Whether you are buying your first home, second home, or vacation property, use this FREE self-help tool to determine exactly what type of purchase loan is best for you.


Need to Refinance?

Save money by taking advantage of the lowest rates available. Whether you are looking to lower your rate, lower your monthly payment, or tap into your home's equity, use this FREE self-help tool to determine exactly what type of refinance solution is best for you.


Consolidating Debt?

Use your home to help eliminate bad debt and bundle your bills into one easy monthly payment. Whether you need to pay off high-interest credit cards or you just need cash now, use this FREE self-help tool to determine exactly what type of debt consolidation program is best for you.