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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.

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:

  Phone: Email:
Lynn Morris (607) 733-5533 ext. 227 lynn.morris@elmirabank.com
Dawn Adams (607) 733-5533 ext. 263 dawn.adams@elmirabank.com




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.

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