Mortgage Loans

We Service All Of Our Mortgage Loans

That is one of the advantages of using a mutual community financial institution like Geddes Federal Savings and Loan Association. We service all of our home loans, and we do not charge PMI (private mortgage insurance).

Here is what that means to you:

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  • You have the peace of mind that comes with knowing your home mortgage lender, and knowing that we will service your home lending needs for the life of your loan.
  • Your payments can be made easily, either by local mail, bill pay, auto debit or in person at one of our locations.
  • Any problems may be resolved by a local phone call or a simple visit to one of our offices. In fact, the original personnel that assisted with your loan application may be the same person that answers any questions or provides assistance later on.
  • If you are someone who prefers the premium service and peace of mind that comes from dealing with a local community financial institution, then Geddes Federal Savings and Loan Association is the place for you.

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home loans for first time homebuyers from geddes federal savings and loan association near syracuse ny

If you're a first time home buyer, Geddes Federal Savings & Loan Association offers home loans to meet your unique needs. Our professional, knowledgeable and friendly staff are here to help you through this important milestone in your life.

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The GeddeStart program is for borrowers of low to moderate income and/or those purchasing property in low to moderate income areas by reducing the required down payment for home loans. This program may be combined with our First Time Homebuyer program!

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15 year mortgage loans can come with long term savings benefits. Because 15 year mortgage loans are half the term of a 30 year mortgage loan, you can save on interest in the long term by paying back your mortgage loan faster.

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What exactly is a discount point?

One discount point is a fee equal to 1 percent of the loan amount. Example: for a $150,000 mortgage 1 point = $1,500.00. A lender can charge 1, 2 or more points.

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Adjustable Rate Mortgage Loans

mortgages near syracuse ny and home loans from geddes federal savings and loan association

Adjustable rate mortgages (ARMs) are a good alternative mortgage for the customer who initially needs a smaller monthly payment or for the customer who hasn't moved up to their dream home. ARMs usually have rates lower than the fixed rate mortgage.

Features Include:

  • Rate is fixed up to the 10 years, 7 years or 5 years.
  • After that the rate is based on a 1 year ARM
  • Fast turnaround on application
  • Protective rate caps
  • Competitive rates

If you need a mortgage loan, contact us today!

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*Prequalification for a loan is available for first Lien purchases with monthly and biweekly payments.