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Which mortgage is right for you?

Click here for today's mortgage rates.

Fixed Rate Mortgage

For those who prefer regular payments with no surprises, with limited or fixed income, who plan to stay in the home a long time.  Or, for those who are buying when rates are low.

30, 20, and 15 year terms available.

Extended rate locks.

Purchase and refinance existing mortgages with a fixed rate, can also be used for a second home, investment properties, 1-4 family homes, condos, manufactured homes, housing and urban development properties (HUD), and planned unit development properties (PUD).

FHA Mortgage

For those who have limited funds available for a down payment, or if the down payment will be gifted.

You can have a lower minimum credit score to qualify for an FHA mortgage, but will still need a regular income and employment stability.

This mortgage option may help if you have a previous bankruptcy or foreclosure.

Lifestyle Mortgage

GPO's Lifestyle Mortgage program is the perfect option for members who want to pay off their mortgage quickly.  It accelerates the payoff of your current mortgage, while locking in today's low rate.

This in-house, first lien mortgage will give you the option of five, seven, ten, or a twelve-year term, with a historically low rate... and average closing costs are less than typical secondary market closing costs.

Adjustable Rate Mortgage (ARM)

For those who want to free up money in the short term for other investments, or that plan to move or refinance within a few years.  This may also allow you to qualify for a larger loan amount than you would be able to with a fixed-rate mortgage.

1 year ARMs, convertible and non-convertible.

Extended rate locks.

5/1, 7/1, and 10/1 ARMs available

Purchase and refinance mortgages with up to 95% financing.  Also can be used for 1-4 family homes, condos, manufactured homes, HUD, and PUD properties.

Attractive capping structure.

Call a member of our mortgage team to discuss your mortgage options or apply online!

Marsha Femia, Mortgage Service Representative, MLO# 449525
(315) 737-2940 or mfemia@gpofcu.com

Cindy Vaughn, Mortgage Service Representative, MLO# 1051943
(315) 737-2951 or cvaughn@gpofcu.com

Lori Mariano, Home Lending Assistant, MLO#480774
(315) 737-2942 or lmariano@gpofcu.com



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