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The Relationship of a Lifetime

Mortgages

Be at home with GHS and HomeOwners 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. With customized loan options and local lenders serving Broome, Chenango, and Tioga Counties, GHS will work with you to get you into the mortgage that works for your unique needs.

Your Mortgage Lending Team

GHS’s local lenders have teamed up with HomeOwners Advantage, a trusted full-service mortgage corporation whose personalized and cooperative approach has successfully serviced over $1 billion in client loans. 

HomeOwners Advantage lets you take advantage of customized solutions and tools that will help you secure your mortgage, including access to:

  • Featured Daily Rates

  • Application Status

  • Customized Mortgage Quote

  • Personalized Service

  • Personal Loan Consultants

  • 0 Prepayment Penalties

Choose Your Loan Type and Get Started:

 

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.

apply now
 

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.

apply now
 

FHA Mortgages

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

apply now
 

Refinancing

Refinance your mortgage to a better rate and pay off your current loan for less. Learn more about refinancing.

Benefits of Refinancing:

  • Secure a lower interest rate & save over the term of your loan.

  • Lower your monthly payment with flexible loan terms.

  • Get a cash-out refinance and use funds to complete home improvements.

apply now
 

Hometown Heroes Mortgage Program

Whether you are searching for a new home or looking to refinance your current loan, GHS always provides our members with the lowest rates and the best financing options. But, with the Hometown Heroes Mortgage Program, essential workers** will get that and so much more!

Join GHS and apply now for the Hometown Heroes Mortgage Program to buy or refinance your home and get benefits like:

  • $1,000.00 credit when you close***

  • 0.25% off the life of your loan

  • Quick online referral form

  • Flexible financing

  • Your choice of fixed or adjustable rates

  • Local on-site advocate to manage your mortgage needs

apply now
 

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.

 
 

Mortgage FAQ

Q: 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.

Q: 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.

Q: 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 FAQ page.

 
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The average down payment on a house doesn’t always align with the down payment you can afford. Click to learn more and get started on your home search today.

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Applying for a mortgage loan to buy your dream home can seem daunting. It’s true that a lot of information goes into the decision making process, but it doesn’t have to be complicated.

 

★★★★★

“Big thank you to the loan officer at the Norwich Branch; he went an extra step...”

- Susan S.

 
 

*Mortgage products are offered by GHS Federal Credit Union and Homeowners Advantage. Full disclosures and terms will be provided during Hometown Heroes Mortgage Program consultations. The summary below is not all-inclusive. Mortgage is restricted to the primary residence (purchase and refinance) located in New York State. Must be credit qualified. GHS Federal Credit Union Membership required with a $1.00 minimum shares account deposit and a $1.00 membership fee. GHS FCU checking account with payroll direct deposit and automatic mortgage payment required. **Proof of employment in healthcare, education, law enforcement, fire and rescue, EMT, mental health, senior living, U.S. Military, or veteran status to be eligible for the Hometown Heroes Mortgage Program. ***The $1,000.00 deposit will be deposited into your GHS account once all above criteria is met. GHS Federal Credit Union is an Equal Housing Lender, backed by the NCUA.