Realtors love working with Geddes Federal Savings and Loan Association. We're here to help when you need it, getting you answers quickly.
When you Get It at Geddes...
- Closing is Quick, Simple and Consistent with Your Timeline
- Realtor Clients Get an Experience That They Are Happy With
- The Process for Pre-Qualification and Pre-Approval is Fast and Easy
Let's See How We Can Help Meet Your Client's Budget and Timeline.
We Make Closing a Simple, Smooth Process.
"Went through Geddes Federal for my mortgage a few years ago and had a really good experience.
They were easy to work with and they made the closing paperwork very simple, making it a quick and easy closing."
- Meredith, a satisfied customer
Committed to Efficient Communication with Realtors.
Throughout the mortgage process, when realtors or their clients have questions, Geddes Federal is here to help.
Our knowledgeable mortgage loan specialists provide quick responses, addressing your questions and concerns directly. We don't keep you waiting around, making the mortgage process fast and easy -- from application to move in day.
Simplify & Streamline the Mortgage Process with Geddes Federal Savings and Loan Association.
Transparency is the Best Policy For Mortgage Loans
At Geddes Federal Savings and Loan Association, we explain everything in a way that's easy to understand.
With us, there's no "I forgot to mention" or hidden details. Realtors and their clients know what they're agreeing to, so you know you're getting the best deal on mortgage loans near Syracuse, NY.
Our Mortgage Loan APR Disclosures
Conventional Fixed Rate Mortgage
| Term/Payment | APR | Fixed Rate |
|---|---|---|
| 7 Year Monthly (0 Points) | 3.094% | 2.875% |
| 10 Year Monthly (0 Points) | 3.157% | 3.000% |
| 12 Year Monthly (0 Points) | 3.133% | 3.000% |
| 15 Year Monthly (0 Points) | 3.109% | 3.000% |
| 15 Year Bi-Weekly (0 Points) | 3.120% | 3.000% |
| 20 Year Bi-Weekly (0 Points) | 3.344% | 3.250% |
| 20 Year Monthly (0 Points) | 3.585% | 3.500% |
| 25 Year Bi Weekly (0 Points) | 3.830% | 3.750% |
| 30 Year Bi weekly (0 Points) | 3.945% | 3.875% |
Adjustable Rate Mortgages
| Conventional 30 Year ARM Loans | APR | Interest Rate |
|---|---|---|
| 10-1 ARM (0 Points) | 4.007% | 3.375% |
| 7-1 ARM (0 Points) | 4.161% | 3.250% |
| 5-1 ARM (0 Points) | 4.298% | 3.125% |
When Realtors Need to Get Their Clients Pre-Approved or Pre-Qualified for a Mortgage, They Get It at Geddes.
At Geddes Federal, we understand that mortgage pre-qualification and mortgage pre-approval can make things easier for realtors. That's why our pre-qualification and pre-approval process is so easy.
When realtors need to get their clients pre-approved or pre-qualified for a mortgage, they Get It at Geddes.
Making a Realtor's Job Easier and Keeping Their Clients Happy.
For simple and quick closing and a responsive mortgage lender...
*Lending area is within 50 miles of our Syracuse New York location.
Special - 9-1 ARM Monthly, 0 Points - 20% Down. Interest Rate 3.125%. APR 3.776%. Example-For a $100,000.00 loan amount, annual percentage rate of 3.776%. 108 principal & interest payments of $428.38. 251 principal & interest payments of $485.67. One final payment of $483.12. Total Finance Charges of $69,673.18. Total of payments $168,651.33. 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 3.875%. APR 3.945% Example-For a $100,000.00 loan amount, annual percentage rate of 3.945%, 674 Bi-weekly principal and interest payments of $235.12. One final payment of $162.59. Total Finance Charges of $59,547.10. Total of payments, $158,633.47. The payments do not include taxes and insurance, the actual payment obligation may be higher.
25 Year Mortgage Rates with Bi-Weekly Payments - 0 Points - 20% Down. Interest Rate 3.750%. APR 3.830% Example-For a $100,000.00 loan amount, annual percentage rate of 3.830%, 571 Bi-weekly principal and interest payments of $257.07. One final payment of $74.95. Total Finance Charges of $47,770.76. Total of payments, $146,861.92. 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 3.250%. APR 3.344% Example-For a $100,000.00 loan amount, annual percentage rate of 3.344%, 465 Bi-weekly principal and interest payments of $283.60. One final payment of $66.43. Total Finance Charges of $32,830.09. Total of payments, $131,940.43. The payments do not include taxes and insurance, the actual payment obligation may be higher.
20 Year Monthly- 0 Points-20% Down. Interest Rate 3.500%. APR 3.585% Example-For a $100,000.00 loan amount, annual percentage rate of 3.585%, 239 principal and interest Payments of $579.96. One final payment of $579.86. Total Finance Charges of $40,242.97. Total of payments, $139,190.30. The payments do not include taxes and insurance, the actual payment obligation may be higher.
15 Year Monthly- 0 Points-20% Down. Interest Rate 3.000%. APR 3.109% Example-For a $100,000.00 loan amount, annual percentage rate of 3.109%, 179 principal and interest payments of $690.59. One final payment of $688.69. Total Finance Charges of $25,315.88. Total of payments, $124,304.30. 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 3.120%. Example for a $100,000.00 loan amount, annual percentage rate 3.120%, 352 Bi-weekly principal and interest payments of $345.30. One final payment of $234.36. Total Finance Charge of $22,660.03. Total of payments $121,779.96. 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 3.133%. Example for a $100,000.00 loan amount, annual percentage rate 3.133%, 143 principal & interest payments of $827.79. One final payment of $827.22. Total Finance Charge of $20,212.77. 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 3.000% APR 3.157%. Example for a $100,000.00 loan amount, Annual percentage rate 3.157%. 119 principal & interest payments of $965.61. One Final Payment of $965.25. Total Finance Charge of $16,884.42. Total of payments $115,872.84. 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 2.875% APR 3.094%. Example for a $100,000.00 loan amount, annual percentage rate of 3.094%. 83 principal & interest payments of $1,315.71. One final payment of $1,315.14. Total Finance Charge of $11,520.37. Total of payments $110,519.07. 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 4.007%. Example for a $100,000.00 loan amount, annual percentage rate of 4.007%, 120 principal and interest payments of $442.10. 239 principal and interest payments of $503.39. One final payment of $499.76. Total finance charges $74,904.37. Total of payments $173,861.97. The payments do not include taxes and insurance, the actual payment obligation may be higher. The interest rate and monthly payment amount may vary after the first 120 months.
7-1 ARM 0 points, 20% Down. Interest rate of 3.250%. APR 4.161%. Example for a $100,000.00 loan amount, annual percentage rate of 4.161%. 84 principal and interest payments of $435.21. 275 principal and interest payments of $509.90. One final payment $508.69. Total Finance Charge $78,320.95. Total of payments $177,288.83. The payments do not include taxes and insurance, the actual payment obligation may be higher. The interest rate and monthly payment amount may vary after the first 84 months.
5-1 ARM 0 Points, 20% Down. Interest rate of 3.125%, APR 4.298% Example, For $100,000.00 loan amount, annual percentage rate of 4.298%, 60 principal and interest of $428.38. 299 principal and interest of $514.45. One final payment of $511.45. Total Finance Charge $81,056.65. Total of payments $180,034.80. The payments do not include taxes and insurance, the actual payment obligation may be higher. The interest rate and monthly payment amount may vary after the first 60 months.