Did you know that the type of mortgage you choose can
potentially save you (or cost you) thousands of dollars over the
term of your loan? You can count on our experienced Mortgage
Specialists to offer expert advice and help you make the right
decisions. Whether you're buying a new home or refinancing an
existing residence, GHS is here to help.
We offer 10, 15, 20 and 30-year fixed-term mortgages. We can
finance up to 95% of your purchase with no PMI (80% < LTV). Our
closing costs are competitive, and you can choose how you would
like to repay your loan - payroll deduction or coupons.
Pre-approvals are available (and advisable). Complete a mortgage
application before you go shopping and receive a pre-approval
certificate, which states the loan amount for which you have been
approved. The certificate gives you additional buying power because
the seller knows you're pre-approved.
Our interest rates are competitive and consistently low.
Don't be fooled by seeing lower rates other places - those rates
might not tell the whole story, such as expensive closing costs,
inferior service, multiple restrictions, or the fact that you may
have to pay points to receive their advertised "low" rate.
Current GHS
Rates!
So, stop by your favorite GHS branch and fill out an application or
call our Loan Department at (607) 723-7962 and speak to a GHS
mortgage specialist, or apply online.
