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 quick and hassle-free.


Fixed-Rate Mortgages

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.

Adjustable-Rate 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.

FHA Mortgages

FHA mortgages are designed to provide low down payment financing and are insured by the Federal Housing Administration (FHA).


Reduce your monthly payments or decrease the time it will take to pay off your loan by refinancing your mortgage. You can choose between 15, 20, and 30-year terms and more.

We’ve teamed up 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:


Low APR Rates

In-House Approvals

Additional Coverages

15, 20 or 30 Year Terms

On-Site Financing

Zero Application Fees


Hometown Heroes Mortgage Program

Are you a frontline or essential worker?
GHS is giving back to those who put our community first by offering the Hometown Heroes Mortgage program designed to thank frontline staff during the pandemic. Apply now for a mortgage or refinance your mortgage and get special benefits!

Mortgage FAQs

Answering your frequently asked mortgage questions

What is a mortgage note?

A mortgage note, also known as a real estate lien note, is a signed legal document. By signing, one agrees to repay the loan amount as well as any interest that accrues within a specified amount of time. The interest rate is predetermined.

When should I consider getting pre-approved before buying a home?

Getting pre-approved before buying a home provides you with the price range that works best with your budget. Pre-approval also makes you a more attractive applicant, as the seller knows your financing has already been approved.

How are mortgage interest rates determined?

Mortgages are bought and sold by investors on the Secondary Market. Rates are determined by the amount an investor will spend on your mortgage.

For our most current mortgage rates, visit our Rates page.

Find more answers to questions you may have by visiting our full Mortgage FAQs page.

Here 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.

Quick and Hassle-Free

To get started, just sign up. We’ll connect you with a mortgage professional at Home Owners Advantage who will share  options and help you with the approval process. It’s that easy.