Residential Mortgages

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Our specialty since 1888
Whether you're a first time homebuyer, moving up to a second home, or refinancing your current residence, ES&L has a mortgage plan that is right for you. That's because residential lending has been our focus since 1888, and today, we continue to be the area's preferred mortgage lender.

Small Business Funding Options Here at Elmira bank we offer new small business funding opportunities to help you grow your business. Get fast cash to use for any purpose without the hassle and grow your business. We offer business funding from one of the following providers: MDS Funding, Elite Merchant Funding, Top Rated Business Funders

We offer a range of financing options, including:

	Conventional Fixed Rate Mortgages
	Adjustable Rate Mortgages
	SONYMA Financing Programs (for 1st time homebuyers)
	FHA Mortgage Programs
	Jumbo Mortgages
	Vacation or Second Home Financing
	Reverse Mortgages
	Construction to Permanent Loans (click here for more information)

Most importantly, ES&L mortgage specialists are committed to providing quality customer service. We're here to help you reduce the anxiety sometimes associated with home loans-so that you can make wise, informed decisions about your future.

Contact a Mortgage Expert

ES&L's mortgage officers would be happy to discuss your financing needs at any step along the way. You can contact them at the following numbers/email addresses:

Elmira Savings & Loan has received a rating of "outstanding" on its most recent Community Reinvestment Act examination.

The Community Reinvestment Act, first enacted into law in 1977, encourages banks to meet the credit needs of all of the communities they serve, including low-to-moderate income neighborhoods and families, and local businesses.