• Accounts
    • Checking Accounts >
      • Classic Checking
      • Value Checking
      • Check Reorder
    • Savings Accounts >
      • Accounts types and rates
      • Kids' Cash Savings
      • Health Savings Account
    • Accessing Your Account
    • Online Account Access
    • Mobile Banking App
    • Easy Pay
  • Loans
    • Auto Loans
    • Personal Loans
    • Visa Credit Card
    • Home Equity
    • Student Loans
    • Member Business Loans
    • Mortgage
  • Rates
    • Loan Rates
    • Savings Rates
  • Services
    • ATM Locations >
      • Utica area
      • Mohawk Valley
      • Oneida area
      • Syracuse area
    • Your Rewards
    • Reg-E Overdraft Consent
    • Get Paid a Day Early
    • DocuSign Services
    • Auto Center
    • Insurance options >
      • Credit Life and Disability
      • Guaranteed Asset Protection
      • Mechanical Repair Coverage
      • TruStage Insurance
    • Autos & Properties for Sale
    • Skip-A-Pay
    • Prime Times Club
  • Education
    • COVID-19 >
      • Loan relief options
      • Digital banking options
      • COVID resources
      • COVID: Kids Education
      • Stimulus: Ways to spend
    • Financial Counseling
    • Identity Theft >
      • Identity theft video series
      • Child identity theft
      • Senior identity theft
      • Debit and Credit Safety
      • Phishing
      • Mobile Banking Security
      • Identity Theft FAQs
    • Financial Education Videos
    • Zogo financial literacy app
    • Kids' Cash Corner
    • It's a Money Thing
    • Online Defensive Driving Course
    • Calculators
  • About
    • Who is GPO? >
      • The Difference
      • Annual Reports
      • GPO Management Team
    • Community >
      • Community Calendar
      • Sponsorships
      • Scholarships
      • Workshops
    • Subscribe to Emails
    • Branch Locations
    • Careers
    • Holiday Closings
    • GPO Frequently Asked Questions
    • Contact Us
  • Join
  • Apply for a loan
  • Make an appointment
GPO Federal Credit Union
  • Accounts
    • Checking Accounts >
      • Classic Checking
      • Value Checking
      • Check Reorder
    • Savings Accounts >
      • Accounts types and rates
      • Kids' Cash Savings
      • Health Savings Account
    • Accessing Your Account
    • Online Account Access
    • Mobile Banking App
    • Easy Pay
  • Loans
    • Auto Loans
    • Personal Loans
    • Visa Credit Card
    • Home Equity
    • Student Loans
    • Member Business Loans
    • Mortgage
  • Rates
    • Loan Rates
    • Savings Rates
  • Services
    • ATM Locations >
      • Utica area
      • Mohawk Valley
      • Oneida area
      • Syracuse area
    • Your Rewards
    • Reg-E Overdraft Consent
    • Get Paid a Day Early
    • DocuSign Services
    • Auto Center
    • Insurance options >
      • Credit Life and Disability
      • Guaranteed Asset Protection
      • Mechanical Repair Coverage
      • TruStage Insurance
    • Autos & Properties for Sale
    • Skip-A-Pay
    • Prime Times Club
  • Education
    • COVID-19 >
      • Loan relief options
      • Digital banking options
      • COVID resources
      • COVID: Kids Education
      • Stimulus: Ways to spend
    • Financial Counseling
    • Identity Theft >
      • Identity theft video series
      • Child identity theft
      • Senior identity theft
      • Debit and Credit Safety
      • Phishing
      • Mobile Banking Security
      • Identity Theft FAQs
    • Financial Education Videos
    • Zogo financial literacy app
    • Kids' Cash Corner
    • It's a Money Thing
    • Online Defensive Driving Course
    • Calculators
  • About
    • Who is GPO? >
      • The Difference
      • Annual Reports
      • GPO Management Team
    • Community >
      • Community Calendar
      • Sponsorships
      • Scholarships
      • Workshops
    • Subscribe to Emails
    • Branch Locations
    • Careers
    • Holiday Closings
    • GPO Frequently Asked Questions
    • Contact Us
  • Join
  • Apply for a loan
  • Make an appointment

GPO Mortgage options

At GPO, our members mean more than money. We focus on delivering you products that meet the needs of real people, like you. We're committed to providing our member-owners with competitive, convenient, and responsible home lending options.
Whether you're purchasing your first home or refinancing an existing mortgage, trust your credit union:
  • Free mortgage analysis.
  • Free pre-qualifications.
  • Mortgage options include fixed rate, adjustable rate and FHA mortgages.
  • Short term options with GPO's lifestyle mortgage.
  • Affordable closing costs.
  • Easy application process, in-person or online.
Don't be stressed about the home-buying process ... GPO's mortgage originator Lisa Hess will walk you through the mortgage process from start to finish.
*By accessing any of the links below, you will be leaving GPO’s website and entering a site not operated by the credit union. Although this is a GPO partner site, we are not responsible for the content.
apply now
mortgage rates

FREE MORTGAGE PRE-QUALIFICATION
A mortgage pre-qualification tells you how much of a monthly mortgage payment you can afford. It is based on verbal information received from you, and constitutes no binding commitment.
A mortgage pre-qualification puts you one step ahead of other home buyers, because you know how much home you can afford to buy! It should be the first step to your home buying process. This pre-qualification is free and can be done over the telephone or online. ​
get pre-qualified
CONTACT US
Call a member of our mortgage team to discuss your mortgage options.
LISA HESS
​
Mortgage Originator
​
MLO# 1233861
(315) 724-1654 ext. 2955
​
lisa.hess@gpofcu.com
make an appointment
ANAMARIA LASHER
​
Real Estate Loan Specialist
​
MLO# 1718893
(315) 737-2961
​alasher@gpofcu.com
AMY FIERRO
​
Assistant Vice President
of Real Estate Lending
MLO# 491743
(315) 737-2951
​
afierro@gpofcu.com
ASHLEY GRIMALDI
​
Home Lending Assistant
MLO# 1545773
(315) 737-2940
​agrimaldi@gpofcu.com
STACEY O'GRADY
​
Home Lending Assistant 
MLO# 1831009
(315) 737-2942
​sogrady@gpofcu.com
WHICH MORTGAGE IS RIGHT FOR YOU?
Compare our fixed rate, adjustable rate, FHA, lifestyle mortgage options and more.
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, one to four-family homes, condos, manufactured homes, housing and urban development properties (HUD), and planned unit development (PUD) properties.
An up to 25-year conventional mortgage is now available with an as low as 10% down payment, no escrow and no mortgage insurance. If a member requests escrow, the mortgage will be with OwnersChoice Funding.
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.
  • One 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 one to four-family homes, condos, manufactured homes, housing and urban development properties (HUD), and planned unit development (PUD) properties.
  • Attractive capping structure.
FHA MORTGAGE
  • For those who have limited funds available for a down payment (as low as 3.5%), or if the down payment will be gifted.
  • You can have a lower minimum credit score to qualify for a Federal Housing Administration (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, 10, 12, or a 15-year term, with a historically low rate and average closing costs are less than typical secondary market closing costs.
  • Fixed rate mortgages
  • Easy payment plans that can save you thousands of dollars over the term of the loan
  • Up to 90% financing
  • No points
  • 45-day rate lock
  • Average closing costs are less than typical.
VA MORTGAGE
For eligible veterans, service members, and surviving spouses, this option has no down payment requirement under certain conditions, and private mortgage insurance is not required. ​
USDA MORTGAGE
For low and moderate- income rural home buyers in a qualifying region. There is no down payment required, and sellers concessions are allowed. ​ ​
OWNERSCHOICE FUNDING
GPO is a shareholder of OwnersChoice Funding. OwnersChoice Funding serves credit union members throughout New York by offering a variety of mortgage options with competitive rates.​
Members with mortgage loans serviced through our mortgage partner, OwnersChoice Funding (OCF), have the ability to make their payments via ACH to OCF, mail a check to OCF or now pay their mortgage on their internal GPO account at the teller line or via mobile and online within their GPO account to their OCF mortgage suffix.
​
Members will now be able to log in online and see a suffix set up on their GPO account that will be associated with their OCF mortgage. This suffix will be #50 – and described as 1st MORT OWNCH. This suffix is set up solely for making payments on your mortgage account.
Important things to know:
  • Payments are credited the day they are made here at GPO.  For example, if member makes payment on 1/04/2021 the effective date of that payment is 1/04/2021 with OCF as well.
  • Loan balances and due dates are NOT in real time on online banking.  The system will need 24-48 hours to reflect new balances.  Sign into your OCF account for real time balances, transaction history, escrow and payoff information.  You can also call the OCF Servicing Department at 800-342-4998 Option 6 for assistance.
  • If you make a payment greater than your payment amount the extra monies will be applied to principal.  As long as your mortgage is in a current status and no other fees are due at that time.
HOME LENDING RESOURCES
GPO aims to offer financial wellness resources to educate, improve your financial positions and make your goals. 

​All guides will open in a new window in a portable document format (PDF). A PDF reader is required for viewing. Please make sure Adobe Acrobat Reader is up to date with the latest version.
Mortgage
​workbook
Home lending workbook cover
Steps to homebuying
path to homeownership: 10 steps to buying a home infographic
Homebuyers vocabulary sheet
first-time homebuyers vocabulary cheat sheet infographic
Get your credit mortgage ready
get your credit mortgage ready infographic
How much mortgage?
How much mortgage can i afford infographic
Should I refinance my mortgage?
should i refinance my mortgage infographic

Services

Checking
Savings
Auto Loans
​Loan Rates

Company

Who is GPO?
Join GPO
Careers
​Branch locations

Support

Contact Us
Web Accessibility
​Disclosures
​Site Map

Contact Us

4311 Middle Settlement Road
New Hartford, NY 13413
​
Phone: (315) 724-1654
​
Email: gpofcu@gpofcu.com
Routing number: 221380761​

Follow Us

Facebook icon
Instagram icon
Twitter icon
YouTube icon
LinkedIn icon
Pinterest icon
Equal housing lender and NCUA logos.
Member eligibility is required. Federally insured by the NCUA. Equal Housing Lender. Your savings is federally insured to at least $250,000 and backed by the full faith and​ credit of the United States Government.​ National Credit Union Administration, a U.S. Government Agency.
© COPYRIGHT 2021
  • Accounts
    • Checking Accounts >
      • Classic Checking
      • Value Checking
      • Check Reorder
    • Savings Accounts >
      • Accounts types and rates
      • Kids' Cash Savings
      • Health Savings Account
    • Accessing Your Account
    • Online Account Access
    • Mobile Banking App
    • Easy Pay
  • Loans
    • Auto Loans
    • Personal Loans
    • Visa Credit Card
    • Home Equity
    • Student Loans
    • Member Business Loans
    • Mortgage
  • Rates
    • Loan Rates
    • Savings Rates
  • Services
    • ATM Locations >
      • Utica area
      • Mohawk Valley
      • Oneida area
      • Syracuse area
    • Your Rewards
    • Reg-E Overdraft Consent
    • Get Paid a Day Early
    • DocuSign Services
    • Auto Center
    • Insurance options >
      • Credit Life and Disability
      • Guaranteed Asset Protection
      • Mechanical Repair Coverage
      • TruStage Insurance
    • Autos & Properties for Sale
    • Skip-A-Pay
    • Prime Times Club
  • Education
    • COVID-19 >
      • Loan relief options
      • Digital banking options
      • COVID resources
      • COVID: Kids Education
      • Stimulus: Ways to spend
    • Financial Counseling
    • Identity Theft >
      • Identity theft video series
      • Child identity theft
      • Senior identity theft
      • Debit and Credit Safety
      • Phishing
      • Mobile Banking Security
      • Identity Theft FAQs
    • Financial Education Videos
    • Zogo financial literacy app
    • Kids' Cash Corner
    • It's a Money Thing
    • Online Defensive Driving Course
    • Calculators
  • About
    • Who is GPO? >
      • The Difference
      • Annual Reports
      • GPO Management Team
    • Community >
      • Community Calendar
      • Sponsorships
      • Scholarships
      • Workshops
    • Subscribe to Emails
    • Branch Locations
    • Careers
    • Holiday Closings
    • GPO Frequently Asked Questions
    • Contact Us
  • Join
  • Apply for a loan
  • Make an appointment