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Mortgage Rates

Rates effective December 11, 2017
APR= Annual Percentage Rate

Mortgage Loan Originators

Conventional Fixed Rate Mortgage

Term/Payment APR Fixed Rate
7 Year Monthly (0 Points) 2.891% 2.750%
10 Year Monthly (0 Points) 2.984% 2.875%
12 Year Monthly (0 Points) 3.096% 3.000%
15 Year Monthly (0 Points) 3.206% 3.125%
20 Year Bi-Weekly (0 Points) 3.570% 3.375%
20 Year Monthly (0 Points) 3.693% 3.625%
30 Year Bi weekly (0 Points) 4.146% 4.000%

Adjustable Rate Mortgages

Conventional 30 Year ARM Loans APR Interest Rate
10-1 ARM (0 Points) 3.603% 3.375%
7-1 ARM (0 Points) 3.606% 3.250%
5-1 ARM (0 Points) 3.570% 3.000%

*Conventional 30 Year ARM Loans

*Jumbo Loans over $424,000.00, 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 -18 Year Biweekly, 0 Points- 20% Down.  APR 3.336% Interest Rate 3.125%. Example-For a $100,000.00 loan amount, annual percentage rate of 3.336%.   423 biweekly principal & interest payments of $301.71. One final payment of $132.32. Total Finance Charges of $29,309.86. Total of payments $127,755.65.  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 4.000%. APR 4.146%  Example-For a $100,000.00 loan amount, annual percentage rate of 4.146%, 679 Bi-weekly principal and interest payments of $237.46. One final payment of $194.35. Total Finance Charges of $62,955.90. Total of payments, $161,429.69.   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 3.375%. APR 3.570% Example-For a $100,000.00 loan amount, annual percentage rate of 3.570%, 467 Bi-weekly principal and interest payments of $285.69. One final payment of $273.29.  Total Finance Charges of $35,113.48. Total of payments, $133,744.20.   The payments do not include taxes and insurance, the actual payment obligation may be higher.

20 Year Monthly- 0 Points-20% Down/Interest Rate 3.625%. APR 3.693% Example-For a $100,000.00 loan amount, annual percentage rate of 3.693%, 239 principal and interest Payments of $586.41. One final payment of $584.13. Total Finance Charges of $45,234.00. Total of payments, $140,736.12.   The payments do not include taxes and insurance, the actual payment obligation may be higher.

15 Year Monthly- 0 Points-20% Down/Interest Rate 3.125%. APR 3.206% Example-For a $100,000.00 loan amount, annual percentage rate of 3.206%, 179 principal and interest payments of $696.61. One final payment of $696.46. Total Finance Charges of $29,422.12. Total of payments, $125,389.65.   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 3.000% APR 3.248%. Example for a $100,000.00 loan amount, annual percentage rate 3.248%, 354 Bi-weekly principal and interest payments of $344.26. One final payment of $318.13. Total Finance Charge of $23,549.71 Total of payments $122,186.17.   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 3.000% APR 3.096%. Example for a $100,000.00 loan amount, annual percentage rate 3.096%, 143 principal & interest payments of $827.79. One final payment of $827.22. Total Finance Charge of $23,020.98. Total of payments $119,201.19.   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 2.875% APR 2.984%. Example for a $100,000.00 loan amount, Annual percentage rate 2.984%. 119 principal & interest payments of $959.85. One Final Payment of $959.59. Total Finance Charge of $18,865.92. Total of payments $115,181.74.  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 2.750% APR 2.891% Example for a $100,000.00 loan amount, annual percentage rate of 2.891%.  83 principal & interest payments of $1,310.10. One final payment of $1,309.44 Total Finance Charge of $13,596.30. Total of payments $110,047.74.  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 3.375%. APR 3.603%. Example for a $100,000.00 loan amount, 20% down payment, annual percentage rate of 3.603%,  120 principal and interest payments of $442.10.  239 principal and interest payments of $462.03.  One final payment of $459.63. Total finance charges $68,163.44.Total of  payments $163,936.80.   The payments do not include taxes and insurance, the actual payment obligation may be higher.

7-1 ARM 0 points, 20% Down, Interest rate of 3.250%. APR 3.606%. Example for a $100,000.00 loan amount, 20% down payment, annual percentage rate of 3.606%,  84 principal and interest payments of $435.21.  275 principal and interest payments of $463.17.One final payment $459.12. Total Finance Charge $68,479.54. Total of payments $164,388.51.   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 3.000%, APR 3.570%  Example, For $100,000.00 loan amount, 20% down payment, annual percentage rate of 3.570%, 60 principal and interest of $421.61.  299 principal and interest of $463.17. One final payment of $460.18. Total Finance Charge $68,064.40. Total of payments $164,244.61.   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 315-468-6281 for current rates and additional information**.

EHL Black

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