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Madison County NY Home Mortgage & Refinance Options

Madison County is a bucolic area located in Central New York, west of Utica and Rome and east of Syracuse, approximately 125 miles from the Capital District. The rural county is home to several towns and villages, with just one small city, Oneida, located on the county’s eastern edge. You’ll find quaint shops, farm-to-table restaurants and cozy inns throughout the area, while the Southern Hills provide both residents and vacationers with a multitude of outdoor adventures including hiking, camping, hunting, fishing, mountain biking and more.

Maple Tree Funding has helped homeowners purchase or refinance homes throughout Madison County, from Canastota to Cazenovia to Chittenango. We work closely with potential homeowners to review your finances and goals and find the best mortgage options for you, even if you have been turned down for a mortgage elsewhere! How can we do this? By working with numerous lenders and offering a wide variety of mortgage programs including conventional fixed-rate and adjustable-rate mortgages, government-sponsored FHA, USDA and VA loans, as well as jumbo mortgages and loans for those with bad credit.

Another benefit of purchasing a home in Madison County is it is almost entirely eligible for USDA mortgages, which provides 100% financing of your home loan.

Contact Maple Tree Funding for a free consultation.

Eligibility of Madison County USDA Mortgages:

The ineligible lending area begins at a point where the New York State Thruway crosses Oneida Creek (Northeast corner of border of Madison and Oneida Counties). Following Oneida Creek south to Route 5, thence westerly along Route 5 and proceed west until Hubbard Place. Proceed north on Hubbard Place to West Elm Street. At intersection of West Elm and Cowaselon Creek, proceed northerly to Canal Road. On Canal Road, proceed northeasterly to a point at the intersection of Canal Road and the New York State Thruway. Thence easterly along the New York State Thruway to the point of beginning.

For more information please fill out the quick application form to the right or contact us at 518-782-1202.

Quick Application