Business Details
33 Years
experience
Your Trusted Mortgage Partner in Syracuse, NY
Commonfund Mortgage has been a trusted name in the mortgage industry for over three decades. Established in Syracuse, New York, we specialize in guiding clients through every step of the home financing process. Our team of experienced loan officers delivers personalized solutions tailored to individual financial goals. With offices across Central and Upstate New York, we combine local expertise with a comprehensive range of mortgage products. Our streamlined process includes 24-48 hour pre-approvals and in-house underwriting to ensure efficiency. As an agent of Westcor Land and Title Insurance Company, we provide immediate title insurance services to simplify transactions.Our loan officers bring decades of combined experience in conventional, FHA, VA, USDA, and reverse mortgage programs. We prioritize client education, helping borrowers understand tax advantages, debt management, and long-term financial planning. Our commitment to integrity and customer service has earned us recognition as a community leader in mortgage lending. Whether you're a first-time homebuyer or seeking refinancing options, we offer the expertise and resources to make your homeownership dreams a reality.
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Reverse Mortgages
New Construction Financing
Home Equity Loans
Refinance Options
Title Insurance Services
Credit Counseling
Details
- Year established: 1993
Highlights and features
- 32+ years of mortgage industry expertise with local market knowledge
- 24/7 availability of loan officers for personalized service
- In-house underwriting and title insurance for faster closings
- Diverse loan programs including FHA, VA, USDA, and reverse mortgages
- Comprehensive financial education during the homebuying process
Services
Conventional Loans
Our conventional loan programs offer fixed and adjustable rate options for primary residences, second homes, and investment properties. With terms ranging from 15 to 30 years, these loans provide flexibility for various financial situations. Our experienced underwriters help clients navigate requirements for down payments, credit scores, and debt-to-income ratios.
FHA Loans
FHA-insured loans provide accessible homeownership opportunities with lower down payment requirements and more lenient credit standards. Our specialists guide first-time buyers through the 3.5% down payment program and help investors understand FHA's property requirements. We process FHA streamline refinances for existing homeowners.
Reverse Mortgages
Our reverse mortgage specialists help seniors access home equity while maintaining ownership. We explain HECM program requirements, counseling processes, and payment options including lump sums, monthly payments, or credit lines. Our team ensures clients understand implications for heirs and government benefits.
USDA Loans
We offer zero-down payment USDA loans for qualifying properties in designated rural areas. Our experts verify eligibility based on income limits and property location, guiding clients through the unique application process and helping meet USDA's credit requirements.
Home Equity Loans
Our home equity programs provide fixed-rate loans and HELOCs for debt consolidation, home improvements, or major purchases. We help clients understand loan-to-value requirements, interest rate options, and tax implications of using home equity as collateral.
People
Tyler Cagwin
Loan Officer
With 19 years of mortgage experience, Tyler specializes in client relationship management. He provides personalized mortgage solutions while maintaining a focus on superior customer service and industry education.
John F. Dziedzic
Reverse Mortgage Specialist
John has 11 years of reverse mortgage expertise, helping seniors optimize their retirement finances. He offers personalized consultations on using home equity while maintaining quality of life.
Dominick Gaccino
Loan Officer
With 9 years as a loan officer and prior underwriting experience, Dominick structures efficient mortgage transactions. He specializes in first-time homebuyer programs and debt consolidation refinancing.
Debb Parker
Senior Loan Officer
Debb brings 23 years of mortgage experience with expertise in complex financial situations. She educates clients on mortgage insurance options and long-term financial planning strategies.
Marcie Teeter
Loan Officer
Marcie has 30 years in real estate and mortgage lending. She specializes in credit repair guidance and helping clients understand their mortgage options through life's changing circumstances.
Questions
What mortgage programs do you offer?
We offer conventional, FHA, VA, USDA, reverse mortgages, and home equity loans with competitive rates and flexible terms.
How quickly can I get pre-approved?
Our in-house process delivers pre-approvals within 24-48 hours with minimal documentation requirements.
Do you service out-of-state properties?
We primarily serve New York and Maryland markets with licensed officers available in multiple locations.
Can I refinance with bad credit?
Our specialists work with clients to improve credit profiles and explore refinance options tailored to individual situations.
What are your closing costs?
We provide transparent cost breakdowns and offer various loan programs with different closing cost options.
Reviews (2)
Carole Russell
Aug 19, 2021
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Ive had 3 great experiences with Commonfund Mortgage. Ive bought two homes. One around 1996 and my second one in 2017. I also just went through the refinance process to get a lower rate. Each time I called Debb Parker. Debb and her assistant Matthew are top notch!!! They make the process so smooth and easy. I highly recommend!!!
Reyne Smith
Jul 12, 2021
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Everything can be done thru email or fax which makes the applying process super easy and sending copies of bank statements etc easy we're close to closing and can't wait to get it done, e've worked thru the glitches that came up, water tests etc and they do VA loans, no actual cash money due at closing which is great... all the pesky fees get added on to your mortgage so wotks great being on a fixed income