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Welcome to Alternatives' Lending Station! 

** Please keep in mind that Alternatives is a regional credit union. We can finance home mortgages for properties that are within our lending area (Tompkins, Cortland, Seneca, Schuyler, Chemung, Cayuga, and Tioga Counties of Upstate NY) **

This site will make borrowing for purchase or improvement of your home as easy as a few clicks of a mouse. The tabs, located on the green strip above, enable you to find your way around.

  • Under "Loan Center" you will find a variety of calculators that will enable you to compute the mortgage payment your income can support. It also has a feature that will allow you to consider the benefits of renting a home as opposed to owning one. You can get a sense of what you might borrow or prequalify for, and apply online for the mortgage or home equity loan you need. 
  • If you need to know what loans we offer, simply click on "Products."
  • "About Us" will give you information about Alternatives and our loan officers. It also enables you to contact them by email or phone.

Once you've applied for your loan, you will have 24/7 access to the status of your application by simply logging into your account with us.

Sit back, relax, and find out how easy getting a home loan can be at Alternatives!


Learn More!

Check out our Home Equity Lines of Credit - from 80% to Future Value Home Equity Loans - by clicking "Products" above.