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New York Mortgage Originator

Jeffrey Witherwax

Jeffrey Witherwax

NMLS # 1087651

Mohawk Valley

270 Genesee Street
Utica, NY 13502

jwitherwax@nbtbank.com

PREQUALIFY APPLY NOW

Business Hours:
Monday through Friday – 8:00 a.m. to 5:00 p.m.

Fax Number: 315-738-8720

Bio:
Servicing both Oneida and Herkimer counties, I have over a decade of experience working for NBT Bank. I pride myself on the level of service I provide to my clients and communicating with you about our wide array of mortgage products. Whether you are interested in financing your first home, vacation property or a constructing a forever home, I am here to guide you through the entire process.

Ready to Apply?

Please Have These Items Ready

Current and Previous Addresses (2 years)
Property Information including purchase agreement (if applicable), tax bills and homeowners insurance (if applicable)
Current and Previous Employment Information and dates (2 years)
Sources and income amounts for all borrowers
  a. If a W2 employee, previous 2 years W2's and most recent paystub with year-to-date income
  b. If rental or business income, 2 years personal and business (if applicable) signed tax returns, including all schedules
  c. If retirement income, award letter, 1099 or equivalent documentation
Bank Account Statements (2 months)
Current monthly housing expenses such as rent and mortgage payments
Property address and Estimated Market Value for properties you own, including taxes & insurance
If working with a real estate agent, their name, company and phone number

Required documents to apply for mortgage financing are listed in the Mortgage Financing Checklist.

DOWNLOAD CHECKLIST

What Can I Afford?

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Mortgage Programs

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Mortgage Process

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