Mortgage Rates:
Rates require Automatic Payment, SECNY Checking Account and Direct Deposit. Otherwise, add 0.25%. Rates may change without notice. Credit restrictions apply. Rates effective as of 05/03/2012.
Call (315) 638-7061 to speak to our Mortgage Services department.
Home Equity Fixed
Principle Residence Only, 1st or 2nd Lien Only
Loans from $10,000 to $150,000*
Maximum loan amount not to exceed 80% of appraised value
No Closing Costs**-$300.00 due at application and refunded at closing
*See Chris or Ellen for loan requests above $150,000
**All fees paid in conjunction with the loan are subject to recapture if the loan is closed within three years.
| Rate As low as: | Available Terms |
|---|---|
| 2.99% | 1-3 Years |
| 2.99% | 5 Years |
| 3.75% | 7 Years |
| 4.25% | 10 Years |
| 4.75% | 15 Years |
| 5.25% | 20 Years |
Home Equity Line of Credit
*Introductory Rate 5 Year Draw Period with 15 Year Repayment Term
Primary Residence Only 1st or 2nd Lien Only Loans from $10,000 to $150,000**
Maximum loan amount not to exceed 80% of appraised value
No Closing Costs***-$300.00 due at application and refunded at closing
*Regular Rate is variable based on Prime Rate (as published in the Wall Street Journal).
Rate subject to change annually on the anniversary date of the loan.
*Current Prime Rate is 3.25%
**See Chris or Ellen for loan requests above $150,000
***All fees paid in conjunction with the loan are subject to recapture if the loan is closed within three years
| Rate As low as: | Available Terms |
|---|---|
| 1.99% | 15 Years |
Home Equity for Vacation Property
Owner-Occupied, 1st or 2nd Lien Only
Loans from $10,000-$150,000
Maximum loan amount not to exceed 80% of appraised value
No Closing Costs-All fees paid in conjunction with the loan are subject to recapture if the loan is closed within three years.
$300.00 due at application and refunded at closing
| Rate As low as: | Available Terms |
|---|---|
| 7.00% | 1-3 Years |
| 7.25% | 5 Years |
| 7.50% | 7 Years |
| 8.00% | 10 Years |
| 8.50% | 15 Years |
Home Mortgages - 1st Lien
Purchase, Refinance, Owner-Occupied
Min. $30,000, Max. $417,000
Up to 95% of appraised value
No Points, Has Closing Costs
$400 application fee
| Rate As low as: | Available Terms |
|---|---|
| 3.250% | 10 Years |
| 3.375% | 15 Years |
| 4.125% | 20 Years |
| 4.375% | 30 Years |
Bi-Weekly Home Mortgages
1st Lien Purchase, Refinance, Owner-Occupied, Primary Residence
Min. $30,000, Max. $417,000
Up to 95% of appraised value
No Points, Has Closing Costs, $400 Application Fee
| Rate As low as: | Available Terms |
|---|---|
| 3.000% | 10 Years |
| 3.125% | 15 Years |
| 3.875% | 20 Years |
| 4.125% | 30 Years |
5/1 ARM (Adjustable Rate 1st Mortgage Loan)
1st Lien, Purchase, Refinance, Owner-Occupied, Primary Residence
Up to 95% of appraised value
Fixed rate for 5 years, adjusts annually on first day of the month following anniversary date
No Points, Has Closing Costs, $400 Application Fee
30 year amortization
Margin will be 2% rounded to nearest 1/8th
Index will be 5-Year Treasury Constant Maturity
Contact Mortgage Services at (315) 638-7061 for daily rates and further information.
JUMBO Mortgages
(Fixed and Adjustable Rate Available) 1st Lien Purchase, Refinance, Owner-Occupied Primary Residence Minimum $417,001, Maximum $700,000 Up to 95% of appraised value No Points, Has Closing Costs, $500 Application Fee
Contact Mortgage Services at (315) 638-7061 for daily rates and further information.
Mortgages for Vacation Property
1st Lien - Owner Occupied - No Investment Property - Minimum $30,000 - maximum $300,000 - No Points - Has Closing Costs - 75% of appraisal - $400 application fee
| Rate As low as: | Available Terms |
|---|---|
| 4.900% | Up to 15 Years |
Home Improvement Loan
Maximum $15,000 - Copy of deed required - Work estimate UCC1 Filed
| Rate As low as: | Available Terms |
|---|---|
| 5.25% | 1-12 months |
| 5.25% | 24 months |
| 5.25% | 36 months |
| 5.50% | 48 months |
| 5.50% | 60 months |