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    The FAIR Mortgage (Finance Addressing Inequality & Racism) is available to those who make 80% or less of the area median income (AMI) or are first-time, first generation homebuyers making up to 120% of the AMI for the counties we serve.*

    *Tompkins, Chemung, Cortland, Tioga, Schuyler, Seneca, Steuben & Cayuga
  • OK Name of primary borrower is required
  • Optional OK Names of co-borrowers (if applicable) is required
  • OK E-mail is required
  • OK Number of household members that will live in the new home is required
  • OK Ideal location of home purchase (Town/County): is required
  • OK Total Gross annual income (before taxes) from all borrowers that will be on the mortgage is required
  • OK Gross annual income from anyone else in the household who will NOT be on the mortgage is required
  • OK Estimated Credit score(s) from each borrower is required
  • OK Amount of savings available for down payment/closing costs is required
  • OK Are you anticipating any down payment assistance from other sources? is required
  • OK For each borrower – Have you been in the same job or field of work for 2 years? (If no, please provide additional information) is required
  • OK For each borrower - How long have you been at your current job? is required
  • OK Are you a First Generation Homebuyer (your parents never owned a home)? is required
  • OK is required

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