Margaret A. Hurd

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For the purchase of your new home or to recieve a quote for a refinance.

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Margaret A. Hurd
Mortgage Originator
NMLS ID #: 479326
Office: (607) 481-5710
Mobile: (607) 481-5710

Welcome to my site!  Congratulations on taking the first step in making an important decision about your home.  Whether you're in need of a new loan or a refinance, I'm looking forward to putting my expertise to work for you.  No question or concern is too big or too small.  You can feel confident relying on me to make the mortgage process as straightforward and simple as possible.

With Elmira Savings Bank you're in good hands and can have the peace of mind knowing we offer an expansive variety of loan programs and the most current mortgage rates available, together with the assistance of a seasoned customer support team.

Competitively Priced Mortgage Programs:

  • Purchase, Rate & Term Refinance, and Cash-out Refinance Programs
  • 10, 15, 20, 25, and 30 year mortgage terms
  • Conventional Fixed and Adjustable-Rate Mortgages (ARM's)
  • FHA/VA/USDA fixed mortgage terms.
  • First Time Homebuyer (FTHB) Mortgage Products
  • Full Suite of Jumbo, Portfolio, Investor and Niche Mortgage Products
  • Construction and Renovation Mortgage Programs
  • Land Loans

My team and I are here to guide you and simplify the often confusing processing of choosing the best mortgage to meet your needs.   Feel free to utilize our site to educate yourself on all the options, or just pick up the phone and give me a call (or text) anytime.  


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Elmira Savings Bank is an approved Seller/Servicer of Freddie Mac, FHA/Department of Housing & Urban Development, VA, USDA, and SONYMA (NY Only). Elmira Savings Bank is an Equal Housing Lender committed to ensuring every applicant for credit receive fair and equal treatment throughout the credit application and approval process, as embodied in the Equal Credit Opportunity Act and the Fair Housing Act. All mortgage lending products are subject to credit and property approval. Rates and program terms and conditions are subject to change without notice. Not all products are available in all states or for all amounts. Other restrictions and limitations apply.

External links and content are being provided for informational purposes only. Elmira Savings Bank has no control over any other website and is not able to endorse, guarantee or monitor content, availability, viewpoints, products or services that are offered or expressed on any site other than this one.

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