Julia Houghton Duffee
Julia Houghton-Duffee

Loan Officers

I know some will want to use the internet for obtaining financing.  But looking at a person in the eye and dealing with one person who is accountable for the mortgage process is priceless.  Please consider this factor when making a decision as to who will be financing your home.


Please find below some local lenders or contacts for the national banks:


Elmira Savings Bank:

Bonnie Osadchey 481-5710

Taryn Schwartz 229-3112

Melissa Wright 257-3584

Jim Shippy 737-8815


Tompkins Trust Company:

Jackie Duff 257.0875

Deborah Augst 266.5448

Judy VanNest 266.5485

Kevin Cartmill 622.0376

Lisa Giannone 315.253.4310

Shirl Walters 266.5449


Community Federal Credit Union:

Martha Preston-257-3282

Kimberly Rozell-229-5008

Jessica Boynton- 229-4784

Patrick Mitchell 342-7843


Chemung Canal Trust Company

Robin Welch 257-2194



Mark Huefner 273-2140


First Niagara Bank 272-1111


Alternatives Federal Credit Union

Brian Kunk-Czatlicki aka Brian KC-273-4611


First National Bank of Groton

Gary Watrous

Andy Miller

Kelly Gavitt


First National Bank of Dryden

Bob Porteus 844.8141



Tim Thomas 274.8991


Better Housing For Tompkins County

Rosie Zufchock x203

Angela Karbel x201