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Mortgage Center

Looking to buy, build or refinance your home? You have come to the right place.

LNB understands how intimidating the home buying process can be, even for the most experienced buyers. Our Online Center can help you find your area’s mortgage specialist, answer frequently asked questions, and provide insight into your specific lending needs using our handy calculators.

And, what makes LNB stand out from the rest? Our team of dedicated mortgage specialists ready to assist you every step of the way to help determine the best mortgage solution for you and make the application process fast and easy.

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If you are considering the purchase of a new home, LNB has a variety of loan options available. We offer low down payment options, a No Closing Cost Program, and other lending programs customized to your needs. All of our mortgage programs offer the security of a fixed rate for the length of your loan. These can be used to purchase a primary residence, second home, or an investment property. And, if you’re buying a home that could use some renovations, ask about our Purchase and Rehab Program- the perfect loan to finance both the purchase of the home and those upgrades all into one! Contact an LNB Mortgage Specialist to help determine which mortgage program is right for you.


With current low rates, this may be a great time to consider a mortgage refinance. Refinancing your existing mortgage may help reduce your monthly payment, or you can choose a shorter loan term that will provide potentially substantial interest savings. Additionally, you can use the equity in your home to take cash out, which can be used to pay off higher-rate debt, complete home improvement projects, or for any other purpose. One of our knowledgeable Mortgage Specialists can review your existing mortgage details and see if refinancing may be worthwhile for you.


Home Equity

LNB offers an assortment of Home Equity Loans and Lines of Credit to meet your needs. Home Equity Loans can be used for a variety of purposes, including debt consolidation, home improvements, and college expenses. You can choose the security of a fixed-rate Home Equity Loan, with a fixed payment and rate for the life of the loan. Or, enjoy the flexibility of a Line of Credit and the ability to advance funds when you need it. Ask about our Assurance Home Equity Line of Credit, which combines the convenience of a line and the protection of a fixed-rate for the first five years. And, with all our home equity products, there are no closing costs! Contact your local LNB Branch to find the home equity product that best suits your needs.



Building your dream home can be an amazing experience but it can also be a daunting task with so many decisions to make. A Construction-to-Permanent Loan from LNB can simplify the financing process. Our Mortgage Specialists are experienced at the additional challenges of a construction loan. We work closely with you and your builder throughout the process. And, we offer long-term rate lock options to provide the security of knowing what your payment will be, and offer flexible draw schedules to keep your builder happy. Our Construction Program can also be used to complete an addition or renovations to your current home. Contact an LNB Mortgage Specialist, and take advantage of our expertise in construction lending.




Community Lending Specialist

Locations: Cayuga, Monroe, Onondaga, Ontario, Seneca, Wayne and Yates County


Assistant Vice President & Mortgage Specialist

Locations: Cayuga County, Onondaga County, Eastern Wayne County

Grant Voges

Banking Officer and Mortgage Specialist

Locations: Farmington, Newark & Victor


Assistant Vice President & Mortgage Specialist

Locations: Perinton & Fairport


Assistant Vice President & Mortgage Specialist

Locations: Canandaigua & Lyons


Banking Officer & Mortgage Specialist

Locations: Yates County

Kevin M. LoCicero

Banking Officer and Mortgage Specialist
Locations: Macedon & Ontario, Western Wayne County
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Banking Officer & Mortgage Specialist
Locations: Monroe County


Assistant Vice President & Mortgage Specialist

Locations: Geneva, Seneca County and Clyde

Frequently Asked Questions