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Which mortgage is right
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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).
For those who have limited
funds available for a down payment, or if the down payment will be
You can have a lower minimum credit score to
qualify for an FHA mortgage, but will still need a regular income and
This mortgage option may help if you have a
previous bankruptcy or foreclosure.
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
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
Cindy Vaughn, Director of Real Estate Lending,
(315) 737-2951 or
Marsha Femia, Mortgage Service Representative,
(315) 737-2940 or
Lending Assistant, MLO#480774
(315) 737-2942 or