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You > Loans > Mortgages


Whether you're just beginning your search for a new home, refinancing your current one, or planning on investing, CNB Mortgage Company can guide you through the loan process to determine the best financing available for your situation.

CNB Mortgage Company Solutions:
  • Local decision-making and loan processing
  • First-time homebuyer loans
  • Fixed-rate, portfolio, and construction loans available.
  • Mortgage App with helpful tools and one-button access to a Mortgage Rep.  Click download app to learn more.

It's fast, easy and secure.

Affordable Lending Programs »

First-time buyer and government insured loans offering less money down, reduced closing costs and more lenient credit requirements.

Fixed Rate Mortgage »

Lock in a great rate for the length of your mortgage.

Portfolio Mortgage »

A variety of mortgage products available to meet unique requirements.

Construction Loan »

Get the money to build your dream house.

As a subsidiary of the region's only local, full-service, community-owned financial institution in Rochester, NY, we've grown by offering competitive banking options and the kind of personalized service that builds long-lasting relationships.

SAFE Act Compliance & Mortgage Loan Originator Information 

Canandaigua National Bank & Trust and CNB Mortgage Company comply with all registration requirements for Mortgage Loan Originators (MLOs) in compliance with the federal Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act). If you would like additional information related to one of our MLOs, please use the following link to access the Nationwide Mortgage Licensing System and Registry:

Home Town Funding d/b/a CNB Mortgage Company - Licensed New York Mortgage Banker, NYS Department of Financial Services, NMLS ID 213408

CNB Mortgage Company is a wholly owned subsidiary of Canandaigua National Bank & Trust.