At Geddes Federal, We Make The Mortgage Process Easy
We are a local community financial institution that focuses on residential mortgage loans. Our employees are here to assist you from the prequalification, during the origination process, and through the life of your loan. Unlike many financial institutions, we will not sell your loan to a third party, and we will be here to answer your questions through the years.
For those customers who want to apply from the convenience of their own home, Geddes Federal Savings also provides our customers the ability to apply online for both their prequalification and mortgage. And, if you need a little extra help during the online application process, please feel free to call us at (315) 468-6803 or contact us by submitting your question below.
Download our Mortgage Application
Need help completing the mortgage loan application process?
We Have The Mortgage Programs, Terms And Rates Designed With You In Mind
Everyone’s needs are different. Because of this, Geddes Federal offers mortgage products that are sure to meet your needs. We offer our customers fixed rate mortgages from 5 to 30 years, as well as Adjustable Rate Mortgage Products such as the 10-1 ARM, 7-1 ARM and 5-1 ARM.
In addition to the monthly payment option, we offer a bi-weekly payment option. The bi-weekly payment is popular with those individuals who would prefer to make a payment every two weeks, and pay off their mortgage sooner. Often, this saves them thousands of dollars!
We also do not charge PMI (Private Mortgage Insurance) which can save our customers even more money.
First Time Homebuyer Program
Are you a first time home buyer? Maybe you haven’t owned a home for 3 years and are ready to enjoy the benefits of home ownership again. If so, Geddes Federal’s First Time Homebuyer Program may be for you. For qualifying borrowers, Geddes Federal will pay the mortgage tax and attorney fee due at closing, up to $1,600. Terms and conditions may apply, so call us at (315) 468-6803 to see if the First Time Homebuyer Program is right for you.
GeddeStart
This program is designed for Low to Moderate Income Customers who may need a little extra help realizing their dream of homeownership. It is also for those individuals purchasing a residential home in a low to moderate income area. Qualifying Onondaga County residents only need a 3% down payment for loans up to $150,000. Better yet, it can be combined with the First Time Homebuyer Program. Contact us to learn if you qualify, and receive a full understanding of the additional benefits available as well as terms and conditions that may apply.
Frequently Asked Mortgage Loan Questions
Do you have questions? Please see our frequently asked questions below, or better yet, call us at (315) 468-6803. You can also submit your question here and someone will reach out to you to help.