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Mortgage Rates

Rates effective December 10, 2018
APR= Annual Percentage Rate

Mortgage Loan Specialists

Conventional Fixed Rate Mortgage

Term/Payment APR Fixed Rate
7 Year Monthly (0 Points) 3.974% 3.750%
10 Year Monthly (0 Points) 4.037% 3.875%
12 Year Monthly (0 Points) 4.138% 4.000%
15 Year Monthly (0 Points) 4.239% 4.125%
15 Year Bi-Weekly (0 Points) 4.124% 4.000%
20 Year Bi-Weekly (0 Points) 4.474% 4.375%
20 Year Monthly (0 Points) 4.716% 4.625%
30 Year Bi weekly (0 Points) 5.115% 5.000%

Adjustable Rate Mortgages

Conventional 30 Year ARM Loans APR Interest Rate
10-1 ARM (0 Points) 4.638% 4.250%
7-1 ARM (0 Points) 4.580% 4.000%
5-1 ARM (0 Points) 4.647% 3.875%

*Conventional 30 Year ARM Loans

*Jumbo Loans over $453,100.00, add a 1/8% more to the conventional rate.

*Rates are subject to change at anytime.

*Add 1/4% to loan between 10-19% down payment.

*Weekly Special is only available up to 80% L.T.V..

*Add 1/4% to a loan under $25,000.00.



*Lending area is within 50 miles of our Syracuse New York location.

Special - 9-1 ARM Monthly, 0 Points - 20% Down.  APR 4.584% Interest Rate 4.000%. Example-For a $100,000.00 loan amount, annual percentage rate of 4.584%. 108 principal & interest payments of $477.42.  349 principal & interest payments of $533.18.  One final payment of $531.09.  Total Finance Charges of $87,025.36. Total of payments $185,920.63.  The payments do not include taxes and insurance, the actual payment obligation may be higher.

30 Year Bi-Weekly - 0 Points - 20% Down. Interest Rate 5.00%. APR 5.115%  Example-For a $100,000.00 loan amount, annual percentage rate of 5.115%, 656 Bi-weekly principal and interest payments of $268.42. One final payment of $2.23. Total Finance Charges of $87,042.53. Total of payments, $176,085.75. The payments do not include taxes and insurance, the actual payment obligation may be higher.

20 Year Bi-Weekly - 0 Points - 20% Down. Interest Rate 4.375%. APR 4.474% Example-For a $100,000.00 loan amount, annual percentage rate of 4.474%, 458 Bi-weekly principal and interest payments of $312.96. One final payment of $270.15. Total Finance Charges of $44,538.64. Total of payments, $143,605.83. The payments do not include taxes and insurance, the actual payment obligation may be higher.

20 Year Monthly- 0 Points-20% Down. Interest Rate 4.625%. APR 4.716% Example-For a $100,000.00 loan amount, annual percentage rate of 4.716%, 239 principal and interest Payments of $639.42. One final payment of $638.11. Total Finance Charges of $54,617.30. Total of payments, $153,459.49. The payments do not include taxes and insurance, the actual payment obligation may be higher.

15 Year Monthly- 0 Points-20% Down. Interest Rate 4.125%. APR 4.239% Example-For a $100,000.00 loan amount, annual percentage rate of 4.239%, 179 principal and interest payments of $745.97. One final payment of $745.37. Total Finance Charges of $35,389.34. Total of payments, $134,274.00.  The payments do not include taxes and insurance, the actual payment obligation may be higher.

15 Year Bi. Weekly- 0 Points-20% Down. Interest Rate of 4.000% APR 4.124%. Example for a $100,000.00 loan amount, annual percentage rate 4.124%, 349 Bi-weekly principal and interest payments of $369.85. One final payment of $310.59. Total Finance Charge of $30,306.66. Total of payments $129,388.24. The payments do not include taxes and insurance, the actual payment obligation may be higher.

12 Year Monthly-0 Points - 20% Down. Interest Rate of 4.000% APR 4.138%. Example for a $100,000.00 loan amount, annual percentage rate 4.138%, 143 principal & interest payments of $875.53. One final payment of $875.23. Total Finance Charge of $27,180.75. Total of payments $126,076.02. The payments do not include taxes and insurance, the actual payment obligation may be higher.

10 Year Monthly 0 Points-20% Down. Interest Rate of 3.875% APR 4.037%. Example for a $100,000.00 loan amount, Annual percentage rate 4.037%. 119 principal & interest payments of $1,006.53. One Final Payment of $1,005.25.  Total Finance Charge of $21,876.43. Total of payments $120,782.32.  The payments do not include taxes and insurance, the actual payment obligation may be higher.

7 Year Monthly 0 Points-20% Down. Interest Rate of 3.750% APR 3.974%.  Example for a $100,000.00 loan amount, annual percentage rate of 3.974%. 83 principal & interest payments of $1,355.41. One final payment of $1,354.72. Total Finance Charge of $14,937.24. Total of payments $113,853.75. The payments do not include taxes and insurance, the actual payment obligation may be higher.

10-1 ARM 0 points,20% Down. Interest rate of 4.250%. APR 4.638%. Example for a $100,000.00 loan amount, annual percentage rate of 4.638%, 120 principal and interest payments of $491.94.  239 principal and interest payments of $529.80.  One final payment of $526.19. Total finance charges $87,307.15. Total of payments $186,181.19. The payments do not include taxes and insurance, the actual payment obligation may be higher.

7-1 ARM0 points, 20% Down. Interest rate of 4.000%. APR 4.580%Example for a $100,000.00 loan amount,  annual percentage rate of 4.580%. 84 principal and interest payments of $477.42.  275 principal and interest payments of $525.31. One final payment $525.00. Total Finance Charge $86,193.26. Total of payments $185,088.53. The payments do not include taxes and insurance, the actual payment obligation may be higher.

5-1 ARM 0 Points, 20% Down. Interest rate of 3.875%, APR 4.647%  Example, For $100,000.00 loan amount,  annual percentage rate of 4.647%, 60 principal and interest of $470.24. 299 principal and interest of $527.68. One final payment of $522.51. Total Finance Charge $87,607.34. Total of payments $186,513.23.The payments do not include taxes and insurance, the actual payment obligation may be higher.

** Please contact the Geddes Federal Savings and Loan Mortgage Department at 315-468-6803 for current rates and additional information**.

EHL Black

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