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Do you have a question about what Loan Product is Right for You?
We're owned by our depositors so we make decisions that are local and in the best interest of our customers.
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:
Apply Online for Pre-Qualification*
Need help completing the mortgage loan application process?
Checkout some of our other Accounts
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.
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!
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.
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.
Adjustable Rate Mortgage Loans
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:
If you need a mortgage loan, contact us today!
Try Our Mortgage Calculator, or See our Current Mortgage Rates
*Prequalification for a loan is available for first Lien purchases with monthly and biweekly payments.