Be at home with GHS and Home Owners Advantage. 
Whether you’re a first-time home-buyer or an experienced homeowner looking to move up – or refinance – GHS can help make securing a mortgage as quick and hassle-free as possible. We’ve teamed with Home Owners Advantage, a trusted full-service mortgage corporation whose personalized and cooperative approach has successfully serviced over $1 billion in client loans. Home Owners Advantage lets you take advantage of customized solutions and tools that will help you secure your mortgage, including access to:

Featured Daily Rates

Up-to-the-minute APRs* and terms

Application status

Check the status of your loan application

Customized mortgage quote

Tell us your details and receive a customized quote

Personalized service

You can contact your loan consultant via email or by calling 800-732-4447

Unsure which mortgage program is right for you?

For many, owning a home in Broome, Chenango or Tioga County, NY, is a lifelong dream. But choosing the right mortgage is a major decision, which can be both confusing and overwhelming. Our GHS loan consultants are available at 800-732-4447 to help you better understand your options and decide which mortgage program works best for your budget today – and tomorrow

Conventional Fixed Rate Mortgage

Provided in 15, 20, or 30 year terms, a fixed-rate mortgage features the security of a monthly payment that won’t change and is the most popular loan option available. By choosing a 30 year fixed rate mortgage, you’ll have the lowest monthly payment of all the fixed rate loans we offer. And like all GHS loan programs, there is no prepayment penalty. So you can make monthly extra payments to pay off your loan early without penalties or fees.

ARM Mortgages

Adjustable-rate mortgages, or ARMs, differ from fixed-rate mortgages in that the interest rate and monthly payment increases or decreases as market interest rates fluctuate. This can be an ideal choice if you plan on living in your new home for a short time since interest rates during the initial periods are generally lower than fixed-rate mortgages. However, with time, your interest rate may increase up to a lifetime cap.

FHA Mortgage

FHA mortgages are designed to provide low down payment financing and are insured by the Federal Housing Administration (FHA). Borrowers must also pay for mortgage insurance that protects the lender from a loss should the borrower default. This insurance lets lenders offer FHA loans at attractive interest rates and more flexible qualification requirements. It’s a great option to consider if you’re trying to finance your new home with as little cash as possible or if your credit is less than perfect.