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Mortgage Rates

Rates effective January 22, 2019
APR= Annual Percentage Rate

Mortgage Loan Specialists

Conventional Fixed Rate Mortgage

Term/Payment APR Fixed Rate
7 Year Monthly (0 Points) 3.721% 3.500%
10 Year Monthly (0 Points) 3.784% 3.625%
12 Year Monthly (0 Points) 3.885% 3.750%
15 Year Monthly (0 Points) 3.986% 3.875%
15 Year Bi-Weekly (0 Points) 3.873% 3.750%
20 Year Bi-Weekly (0 Points) 4.223% 4.125%
20 Year Monthly (0 Points) 4.463% 4.375%
30 Year Bi weekly (0 Points) 4.825% 4.750%

Adjustable Rate Mortgages

Conventional 30 Year ARM Loans APR Interest Rate
10-1 ARM (0 Points) 4.605% 4.125%
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 4.511% Interest Rate 3.875%. Example-For a $100,000.00 loan amount, annual percentage rate of 4.511%. 108 principal & interest payments of $470.24.  251 principal & interest payments of $531.16.  One final payment of $529.84.  Total Finance Charges of $85,720.41. Total of payments $184,636.92.  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 4.825%  Example-For a $100,000.00 loan amount, annual percentage rate of 4.825%, 660 Bi-weekly principal and interest payments of $260.83. One final payment of $103.97. Total Finance Charges of $73,198.96. 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 4.223% Example-For a $100,000.00 loan amount, annual percentage rate of 4.223%, 460 Bi-weekly principal and interest payments of $306.30. One final payment of $99.96. Total Finance Charges of $41,921.18. 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 4.463% Example-For a $100,000.00 loan amount, annual percentage rate of 4.463%, 239 principal and interest Payments of $625.93. One final payment of $622.84. Total Finance Charges of $51,344.70. 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 3.875%. APR 3.986% Example-For a $100,000.00 loan amount, annual percentage rate of 3.986%, 179 principal and interest payments of $733.44. One final payment of $733.32. Total Finance Charges of $33,102.57. Total of payments, $132,019.08.  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 3.750% APR 3.873%. Example for a $100,000.00 loan amount, annual percentage rate 3.873%, 350 Bi-weekly principal and interest payments of $363.62. One final payment of $206.42. Total Finance Charge of $28,382.26. Total of payments $127,473.42. 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 3.750% APR 3.885%. Example for a $100,000.00 loan amount, annual percentage rate 3.885%, 143 principal & interest payments of $863.45. One final payment of $861.68. Total Finance Charge of $25,408.25. Total of payments $124,335.03. 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 3.625% APR 3.784%. Example for a $100,000.00 loan amount, Annual percentage rate 3.784%. 119 principal & interest payments of $994.73. One Final Payment of $993.99.  Total Finance Charge of $20,429.81. Total of payments $119,366.86.  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 3.500% APR 3.721%.  Example for a $100,000.00 loan amount, annual percentage rate of 3.721%. 83 principal & interest payments of $1,343.99. One final payment of $1,343.52. Total Finance Charge of $13,947.36. Total of payments $112,894.69. 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 4.125%. APR 4.605%. Example for a $100,000.00 loan amount, annual percentage rate of 4.605%, 120 principal and interest payments of $484.65.  239 principal and interest payments of $533.12.  One final payment of $530.17. Total finance charges $87,207.89. Total of payments $186,103.85. 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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