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Mortgage Rates
Rates effective December 10, 2018
APR= Annual Percentage Rate
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**.
