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Mortgage Rates
Rates effective August 13, 2018
APR= Annual Percentage Rate
Conventional Fixed Rate Mortgage
| Term/Payment | APR | Fixed Rate |
|---|---|---|
| 7 Year Monthly (0 Points) | 3.791% | 3.625% |
| 10 Year Monthly (0 Points) | 3.870% | 3.750% |
| 12 Year Monthly (0 Points) | 3.977% | 3.875% |
| 15 Year Monthly (0 Points) | 4.084% | 4.000% |
| 15 Year Bi-Weekly (0 Points) | 3.966% | 3.875% |
| 20 Year Bi-Weekly (0 Points) | 4.197% | 4.125% |
| 20 Year Monthly (0 Points) | 4.441% | 4.375% |
| 30 Year Bi weekly (0 Points) | 4.805% | 4.750% |
Adjustable Rate Mortgages
| Conventional 30 Year ARM Loans | APR | Interest Rate |
|---|---|---|
| 10-1 ARM (0 Points) | 4.328% | 4.000% |
| 7-1 ARM (0 Points) | 4.376% | 3.875% |
| 5-1 ARM (0 Points) | 4.429% | 3.750% |
*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 -14 Year Monthly, 0 Points - 20% Down. APR 3.838% Interest Rate 3.750%. Example-For a $100,000.00 loan amount, annual percentage rate of 3.838%. 167 principal & interest payments of $766.01. One final payment of $765.16. Total Finance Charges of $29,572.32. Total of payments $128,688.83. 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 4.750%. APR 4.805% Example-For a $100,000.00 loan amount, annual percentage rate of 4.805%, 660 Bi-weekly principal and interest payments of $260.83. One final payment of $103.97. Total Finance Charges of $72,998.96. Total of payments, $172,251.77. 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 4.125%. APR 4.197% Example-For a $100,000.00 loan amount, annual percentage rate of 4.197%, 460 Bi-weekly principal and interest payments of $306.30. One final payment of $99.96. Total Finance Charges of $41,721.18. Total of payments, $140,997.96. The payments do not include taxes and insurance, the actual payment obligation may be higher.
20 Year Monthly- 0 Points-20% Down/Interest Rate 4.375%. APR 4.441% Example-For a $100,000.00 loan amount, annual percentage rate of 4.441%, 239 principal and interest Payments of $625.93. One final payment of $622.84. Total Finance Charges of $51,156.69. Total of payments, $150,220.11. The payments do not include taxes and insurance, the actual payment obligation may be higher.
15 Year Monthly- 0 Points-20% Down/Interest Rate 4.000%. APR 4.084% Example-For a $100,000.00 loan amount, annual percentage rate of 4.084%, 179 principal and interest payments of $739.69. One final payment of $738.18. Total Finance Charges of $34,048.42. Total of payments, $133,143.69The 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 3.875% APR 3.966%. Example for a $100,000.00 loan amount, annual percentage rate 3.966%, 350 Bi-weekly principal and interest payments of $366.72. One final payment of $78.64. Total Finance Charge of $29,144.27. Total of payments $128,430.64.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 3.875% APR 3.977%. Example for a $100,000.00 loan amount, annual percentage rate 3.977%, 143 principal & interest payments of $869.48. One final payment of $867.95. Total Finance Charge of $26,097.70. Total of payments $125,203.59. 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 3.750% APR 3.870%. Example for a $100,000.00 loan amount, Annual percentage rate 3.870%. 119 principal & interest payments of $1,000.62. One Final Payment of $992.52..Total Finance Charge of $20,956.79. Total of payments $120,073.30. 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 3.625% APR 3.791% Example for a $100,000.00 loan amount, annual percentage rate of 3.791%. 83 principal & interest payments of $1,349.69. One final payment of $1,349.35. Total Finance Charge of $14,246.50. Total of payments $113,373.62. 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 4.000%. APR 4.328%. Example for a $100,000.00 loan amount, annual percentage rate of 4.328%, 120 principal and interest payments of $477.42. 239 principal and interest payments of $509.12.One final payment of $507.56. Total finance charges $80,382.37. Total of payments $179,477.64. 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 3.875%. APR 4.376%. Example for a $100,000.00 loan amount, annual percentage rate of 4.376%. 84 principal and interest payments of $470.24. 275 principal and interest payments of $511.63. One final payment $507.00. Total Finance Charge $81,599.52. Total of payments $180,705.41. 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 3.750%, APR 4.429% Example, For $100,000.00 loan amount, annual percentage rate of 4.429%, 60 principal and interest of $463.12. 299 principal and interest of $513.55. One final payment of $510.56. Total Finance Charge $82,732.70. Total of payments $181,849.21.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**.
