Get Moving with Jeffrey Witherwax

Mortgage Originator

Jeffrey Witherwax Image

Jeffrey Witherwax

Mortgage Originator
NMLS #1087651

Rome, Utica & Herkimer

270 Genesee Street
Utica NY, 13502

315-235-0067 (Office)
315-749-3168 (Cell)

Use the link below to get started on your Home Financing application or check the status of a submitted application.


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

Fax Number: 315-738-8720

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 constructing a forever home, I am here to guide you through the entire process.


Ready to Apply?

Please Have These Items Ready

  1. Current and Previous Addresses (2 years)
  2. Property Information including purchase agreement (if applicable), tax bills and homeowners insurance (if applicable)
  3. Current and Previous Employment Information and dates (2 years)
  4. 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
  5. Bank Account Statements (2 months)
  6. Current monthly housing expenses such as rent and mortgage payments
  7. Property address and Estimated Market Value for properties you own, including taxes & insurance
  8. 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.