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USDA Mortgages & Other Home Loans for Oneida County, NY

Looking for mortgage or home refinancing options in Oneida County? This region of Central New York is situated west of Albany and the Capital Region and east of Syracuse, with the Adirondack Park to the northeast. Oneida Lake is on its western border and the Erie Canal runs through the county, as does the Mohawk River. In addition, part of the Tug Hill Plateau – infamous for its annual winter snowfall totals – lies in the northern part of the county.

Just as its geography is diverse, so too are its many communities which range from small, rural villages to the growing city of Utica, home to more than 62,000. Other popular areas include the city of Rome and the towns and villages of Boonville, Camden, New Hartford, Vernon, Whitesboro and Yorkville.

Where you wish to purchase a home within Oneida County will affect the types of mortgages available to you. While much of the county is eligible for USDA mortgages which includes benefits such as 100% home financing, there are certain areas, primarily around Utica and Rome that are not. You can check specific addresses on the USDA.gov site, and we also provide some additional information on eligibility below.

Maple Tree Funding has provided mortgage and home refinancing solutions to homeowners throughout New York State, including Oneida County, for over a decade. Our local knowledge and industry experience, as well as our ability to work with dozens of lenders, will help you put you in the home of your dreams, even if you’ve been turned down for a mortgage elsewhere. Unlike banks which can only work with the home loan programs they have available, we are able to reach out to multiple lenders, finding you the best mortgage or refinancing offer, based on your location and personal finances.

In addition to USDA mortgages, we offer other government sponsored home loans, such as FHA and VA, as well as fixed-rate and adjustable-rate loans. In addition, we can also offer bad credit mortgages and non-conforming home loans such as jumbo mortgages.

Give us a call at 518-782-1202 for a free consultation or fill out the convenient quick application form on the right.

Eligibility of Oneida County USDA Mortgages:

Utica Area

The ineligible area containing the City of Utica is defined as follows:

Starting at the Northeast corner of the Oneida and Herkimer County borders at intersection of Bell Hill and Brown Road, proceeds southerly along the border of both counties to Higby Road. Proceed in a northwesterly direction along Higby Road to a point at the intersection of Chapman Road and Valley View Road. Proceed in a westerly direction along Chapman Road to Kellogg Road thence northwesterly along Kellogg Road thence westerly along Tibbits Road to a point where Tibbits Road meets Route 12. Proceed in a northeasterly direction on Route 12 to a point at the intersection of Route 5.

Thence westerly along Route 5 to Clinton Street thence northerly along Clinton Street to Clark Mills Road. Thence easterly along Clarks Mills Road to Halsey Road. Thence northwesterly along Halsey Road to Judd Road extension. Proceed in a northerly direction along the Judd Road extension thence northeasterly along Judd Road to the intersection of Airport Road. Proceed along Airport Road in a northeasterly direction to Route 69 thence in a southeasterly along Route 69 to River Street.

Proceed in a northeasterly direction along River Street to Route 49, thence in a southeasterly direction to the intersection of Cavanaugh Road and Route 49. Proceed in a northeasterly direction along Cavanaugh Road thence southeasterly along Morgan Road continuing southeasterly along Church Road to the intersection of Route 12. Proceed on Route 12 in a northeasterly direction to Miller Road thence easterly along Miller Road to Walker Road. Proceed in a southwesterly direction along Walker Road to Bell Hill Road thence easterly along Bell Hill Road to point of beginning.

Rome Area

The ineligible area containing the City of Rome is defined as follows:

Beginning at a point on Town Line Road and the intersection of the town boundary between the Town of Floyd and the City of Rome (Outer District), thence southerly along said boundary to a point at the intersection of the town boundaries of Floyd, Marcy, Whitestown and City of Rome (Outer District). Proceeding westerly along the town boundary between Whitestown and City of Rome (Outer District), thence continuing westerly along the town boundary between Westmoreland and City of Rome (Outer District), to a point at the intersection of the Town of Verona, City of Rome (Outer District), and Town of Westmoreland. Thence northerly along the town boundary between the City of Rome (Outer District), and the Town of Verona to Rome-New London Road.

Proceeding easterly along the Rome-New London Road to the intersection of Route 69 thence southeasterly to Gifford Road thence northeasterly along Gifford Road to the northerly boundary of the City of Rome. Thence northerly along the boundary of the City of Rome to Route 26. Proceed northerly on Route 26 to the intersection of Stokes-Westernville Road. Proceed easterly along Stokes-Westernville Road to the intersection of the town boundary of the Towns of Lee and Western. Thence southerly along said town boundary to a point at the intersection of the town boundaries of Lee, Western and City of Rome (Outer District). Thence easterly along the town boundary between the Town of Western and City of Rome (Outer District) to the intersection of Route 46 and Town Line Road. Thence proceeding easterly along Town Line Road to point of beginning.

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