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Mortgage Loans

mortgages and loans in syracuse ny

We Service All Of Our Mortgage Loans

View 2022 Bi-Weekly Mortgage Payment Schedule

That is one of the advantages of using a mutual community bank like Geddes Federal Savings and Loan Association. We're owned by our depositors so we make decisions that are local and in the best interest of our customers. We service all of our home loans, and include never change PMI (private mortgage insurance).

Learn More Here 

Apply Online or Pre-Qualification*

*Available for Fixed Rate with monthly or bi weekly payments and must be First lien only.

Here is what that means to you:

Advantages of Getting a Geddes Mortgage Loan

  • 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 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.

Apply Online*

*Available for Fixed Rate with monthly or bi weekly payments and must be First lien only.

Home Loans From Our First Time Home Buyer Programs

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. 

Home Loans From the Geddes Start Program

home loans geddes start program near syracuse ny

The Geddes Start 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!

Is the Geddes Start program right for you?

Let's Talk  - (315) 468-6803

Save With 15 Year Mortgage Rates

15 year mortgage

Geddes Federal Savings & Loan Association offers a 15 year mortgage featuring monthly payments. Our 15 year mortgage products also include a 15 year mortgage loan with bi-weekly payments.

Learn More About 15 Year Mortgage Rates


Benefits of 15 Year Mortgage Loans

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 money in the long term by paying back your mortgage loan faster. 

How Much Does A Mortgage Loan Cost?

Try Our Mortgage Calculator, or See Our Current Mortgage Rates

How To Apply For Mortgage Loans

Apply Online or Pre-Qualification*

*Available for Fixed Rate with monthly or bi weekly payments and must be First lien only.

Here is what that means to you:

Download our Mortgage Application
Includes lists of documents needed to complete application process:

1. Signed purchase contract
2. Legal description of subject property (deed or existing survey)
3. Last two pay-stubs
4. If overtime or bonuses, provide last two years of W-2s
5. If self-employed, provide last two years of personal tax returns
6. If partnership or corporation, provide last two years of business returns
7. All current bank statements: checking, savings, investments, 401k, Ira’s, etc.

*Mortgage application fee - Please contact us for details.

*Add $50.00 for property located outside of Onondaga County.

Application fee includes: Appraisal fee, Flood certification fee, credit report(s) and loan processing.

*Additional fees will apply for closing costs.

If a refinance, provide all of the above except #1 and #2 need both the deed & survey.
Include last two paid property tax receipts and copy of current home owners policy.

**Please include the above with completed application and deliver in person or mail to Geddes Federal Savings, 2208 West Genesee St., Syracuse, New York 13219**

Need help completing the mortgage loan application process?

Contact Us


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.

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:

  • 10/1 ARM, 7/1 ARM, 5-1 ARM-
  • 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
  • No points, no application fees, no pre-payment penalty fees
  • Owner-occupied property only
  • Protective rate caps
  • Competitive Rates

Contact Us for Home Loans


Mortgage Loan Specialists

Chris Lauricella
NMLS #491199

(315) 671-5927 (Direct)

Shauna Chernoff
NMLS #1460014
(315) 671-5939 (Direct)

Linda Meade - (Manlius Office)
(315)468-6281 ext#5961

Christy Krzywda - (Manlius Office)
NMLS #1460012
(315)-671-5907 (Direct)

If you need a mortgage loan, email one of the above mortgage loan originators, or...

Contact Us 


Check out our Checking Account Options

Save Big with our Savings Account

  • Geddes Federal Savings & Loan Association Invests $1 Million into Home HeadQuarters’ Local Enterprise Housing Fund –
    Geddes Federal Savings and Loan Association recently invested $1 Million into HHQ's Enterprise Fund. The fund, created by Home HeadQuarters to address health and safety issues in affordable housing like lead exposure, energy improvements and accessibility. Home HeadQuarters’ Executive Director, K…
    read more…
  • Helping the Homeless in Syracuse with "A Tiny Home for Good" –
    Geddes Federal Savings and Loan is proud to support the mission and work of “A Tiny Home for Good."…
    read more…
  • Helping Fund Childhood Cancer Research with The Geddes Savinators Team for St. Baldrick's –
    Congratulations and a big Thank you! to The Geddes Savinators Team for participating in the St Baldrick’s - shavings their heads event!…
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Consumer & Fraud Alerts
  • COVID-19 Related Fraud Scams Increasing –
    A Federal Bureau of Investigation public service announcement warns that scammers are leveraging the COVID-19 pandemic to steal money and personal identification information.
    read more…
  • Plan for an Emergency –
    Consider opening an Emergency Fund savings account with your STIMULUS payment.
    read more…
More Consumer & Fraud Alerts...