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Mortgage Rates

Rates effective March 25, 2019
APR= Annual Percentage Rate

Mortgage Loan Specialists

Conventional Fixed Rate Mortgage

Term/Payment APR Fixed Rate
7 Year Monthly (0 Points) 3.465% 3.250%
10 Year Monthly (0 Points) 3.529% 3.375%
12 Year Monthly (0 Points) 3.631% 3.500%
15 Year Monthly (0 Points) 3.732% 3.625%
15 Year Bi-Weekly (0 Points) 3.622% 3.500%
20 Year Bi-Weekly (0 Points) 3.846% 3.750%
20 Year Monthly (0 Points) 4.084% 4.000%
25 Year Bi Weekly (0 Points) 4.207% 4.125%
30 Year Bi weekly (0 Points) 4.573% 4.500%

Adjustable Rate Mortgages

Conventional 30 Year ARM Loans APR Interest Rate
10-1 ARM (0 Points) 4.280% 3.750%
7-1 ARM (0 Points) 4.399% 3.625%
5-1 ARM (0 Points) 4.508% 3.500%

*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 - 18 Year Monthly, 0 Points - 20% Down.  APR 3.844% Interest Rate 3.750%. Example-For a $100,000.00 loan amount, annual percentage rate of 3.844%. 215 principal & interest payments of $637.36. One final payment of $635.90.  Total Finance Charges of $38,741.52. Total of payments $137,668.30.  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 4.500%. APR 4.573%  Example-For a $100,000.00 loan amount, annual percentage rate of 4.573%, 664 Bi-weekly principal and interest payments of $253.35. One final payment of $161.25. Total Finance Charges of $69,323.25. Total of payments, $168,385.65. The payments do not include taxes and insurance, the actual payment obligation may be higher.

25 Year Bi-Weekly - 0 Points - 20% Down. Interest Rate 4.125%. APR 4.207% Example-For a $100,000.00 loan amount, annual percentage rate of 4.207%, 567 Bi-weekly principal and interest payments of $267.39. One final payment of $156.82. Total Finance Charges of $52,690.17. Total of payments, $151,766.95. 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 3.750%. APR 3.846% Example-For a $100,000.00 loan amount, annual percentage rate of 3.846%, 462 Bi-weekly principal and interest payments of $296.45. One final payment of $142.12. Total Finance Charges of $38,010.86. Total of payments, $137,102.02. The payments do not include taxes and insurance, the actual payment obligation may be higher.

20 Year Monthly- 0 Points-20% Down. Interest Rate 4.000. APR 4.084% Example-For a $100,000.00 loan amount, annual percentage rate of 4.084%, 239 principal and interest Payments of $605.99. One final payment of $602.44. Total Finance Charges of $46,527.82. Total of payments, $145,434.05. The payments do not include taxes and insurance, the actual payment obligation may be higher.

15 Year Monthly- 0 Points-20% Down. Interest Rate 3.625%. APR 3.732% Example-For a $100,000.00 loan amount, annual percentage rate of 3.732%, 179 principal and interest payments of $721.04. One final payment of $720.27. Total Finance Charges of $30,849.38. Total of payments, $129,786.43.  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 3.500% APR 3.622%. Example for a $100,000.00 loan amount, annual percentage rate 3.622%, 351 Bi-weekly principal and interest payments of $357.45. One final payment of $101.92. Total Finance Charge of $26,466.12. Total of payments $125,566.87. 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 3.500% APR 3.631%. Example for a $100,000.00 loan amount, annual percentage rate 3.631%, 143 principal & interest payments of $851.46. One final payment of $850.34. Total Finance Charge of $23,661.79. Total of payments $122,609.12. 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 3.375% APR 3.529%. Example for a $100,000.00 loan amount, Annual percentage rate 3.529%. 119 principal & interest payments of $983.02. One Final Payment of $982.14.  Total Finance Charge of $19,003.92. Total of payments $117,961.52.  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 3.250% APR 3.465%.  Example for a $100,000.00 loan amount, annual percentage rate of 3.465%. 83 principal & interest payments of $1,332.63. One final payment of $1,33.39. Total Finance Charge of $12,972.80. Total of payments $111,940.68. 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 3.750%. APR 4.280%. Example for a $100,000.00 loan amount, annual percentage rate of 4.280%, 120 principal and interest payments of $463.12.  239 principal and interest payments of $515.50.  One final payment of $515.07. Total finance charges $80,367.19. Total of payments $179,293.97. 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 3.625%. APR 4.399%Example for a $100,000.00 loan amount,  annual percentage rate of 4.399%. 84 principal and interest payments of $456.06.  275 principal and interest payments of $520.69. One final payment $519.92. Total Finance Charge $83,081.66. Total of payments $182,018.71. 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 3.500%, APR 4.508%  Example, For $100,000.00 loan amount,  annual percentage rate of 4.508%, 60 principal and interest of $449.05. 299 principal and interest of $524.36. One final payment of $523.22. Total Finance Charge $85,302.53. Total of payments $184,249.86. 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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