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Loan Center

You've arrived at Alternatives Welcome Home Center! 

To apply for a home loan, click here to create your profile and start your loan application for a variety of products.

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

The tabs, located on the header above, enable you to find your way around.

  • If you need to know what loans we offer, simply click on "Products."
  • 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. 
  • "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 loan profile with us.