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Lender
Phone number
Product
Rate
Points
APR
Product
Rate
Points
APR
Product
Rate
Points
APR
Product
Rate
Points
APR

Alliance Bank, N.A.
877-273-1642

30 yr fixed 15 yr fixed 1 yr ARM 5/1 ARM
Call Call Call Call
Call Call Call Call
Call Call Call Call
       
ESCROW AVAILABLE

America United Mortgage (BR)
315-431-4100

30 yr fixed 20 yr fixed 15 yr fixed 10/1 ARM
6.250 5.850 5.500 5.500
0.000 0.000 0.000 0.000
6.260 5.859 5.512 5.950
       
$$ "THE RATE BUSTER PROGRAM" $$ FREE CONSULTATION ALEX MASTERPOLE

AmeriCU CU
800-388-2000

30 yr fixed 15 yr fixed 7/1 ARM  
6.375 5.625 5.125  
0.000 0.000 0.000  
6.395 5.658 5.250  
       
Let us be your lender of choice, with great rates and service!!

Commonfund Mortgage (BA)
315-422-2325

30 yr fixed 1 yr ARM 15 yr fixed 30 yr VA mtg
6.125 3.500 5.500 6.500
0.000 0.000 0.000 0.000
6.250 3.750 5.625 7.250
       
FHA-30YR-FIXED @ 6.00% with ZERO points

Countryside FCU
315-445-2300

30 yr fixed 20 yr fixed 15 yr fixed 10 yr fixed
6.000 5.875 5.750 5.500
0.000 0.000 0.000 0.000
6.020 5.900 5.780 5.540
       
30 yr amort with a 5 yr balloon. Rates as low as 6.25%

Empower Federal Credit Union
315-477-2200

30 yr fixed 15 yr fixed 5/1 ARM 10/1 ARM
6.375 6.000 5.125 6.000
0.000 0.000 0.000 0.000
6.443 6.111 4.362 5.265
       
Now is the time to Refi your ARM to a Fixed rate.

Fulton Savings Bank
315-592-3171

30 yr fixed 15 yr fixed 5/1 ARM  
6.375 6.000 6.125  
0.000 0.000 0.000  
6.441 6.108 5.642  
       
Rates as low as. Interest Rates Subject to Change.

Geddes Federal Savings
315-468-6803

30 yr fixed 20 yr fixed 15 yr fixed 10 yr fixed
6.250 6.000 5.625 5.250
0.000 0.000 0.000 0.000
6.266 6.020 5.650 5.285
       
Your GFS Mortgage Will Never Be Sold

Homestead Financial Services, Inc. (BA)
315-445-2000

30 yr fixed 20 yr fixed 15 yr fixed  
6.250 6.125 5.750  
0.000 0.000 0.000  
6.300 6.180 5.820  
       
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Parmco Mortgage Co Inc. (BR)
315-682-4600

30 yr fixed 30 yr fixed 20 yr fixed 15 yr fixed
6.250 6.000 6.000 5.625
0.000 1.000 0.000 0.000
6.290 6.200 6.090 6.800
       
Bryan Parmley /Local & National Banks / Nights & Weekends

Prime Mortgage (BR)
315-671-1651

30 yr fixed 15 yr fixed 7/1 ARM 5/1 ARM
6.000 5.500 4.750 4.000
0.000 0.000 0.000 0.000
6.330 5.770 4.990 4.120
       
ED NASH-10/1 ARM 5.25 @ 30 YR FHA 5.75% @ 3/3 ARM 3.75%

Rochester Home Equity, Inc. (BA)
800-797-6669

30 yr fixed 15 yr fixed 30 yr FHA 30 yr jumbo
Call 5.375 5.750 8.125
Call 0.000 0.000 0.000
Call 5.876 5.770 8.150
       
LOW CLOSING COSTS, NO INCOME LIMITS APPLY

Salt City Mortgage Pro., Inc.
315-234-4600

30 yr fixed 15 yr fixed 10/1 ARM 7/1 ARM
6.250 5.500 5.500 4.750
0.000 0.000 0.000 0.000
6.264 5.523 4.832 4.173
       
CALL FOR 1ST TIME HOME BUYER PROGRAMS

SECNY Federal Credit Union
315-638-7061

30 yr fixed 20 yr fixed 15 yr fixed 10 yr fixed
6.750 6.500 5.750 5.250
0.000 0.000 0.000 0.000
6.787 6.546 5.802 5.318
       
HELOC 1.99 ANNUAL ADJUST CALL FOR RATES 315-638-7061

Solvay Bank
315-484-2205

30 yr fixed 20 yr fixed 15 yr fixed 10 yr fixed
6.250 6.125 5.875 5.750
0.000 0.000 0.000 0.000
6.271 6.153 5.910 5.799
       
90 to 240 Day Rate Locks - Free Float Down -Jumbo Rates +.50%

Syracuse Securities Inc (BA)
315-424-0218

30 yr fixed 20 yr fixed 15 yr fixed  
Call Call Call  
Call Call Call  
Call Call Call  
       
Call or e-mail a Mortgage Banker - 45yrs in Syracuse

Visions Federal Credit Union
315-479-1580

30 yr fixed 15 yr fixed 7/1 ARM 1 yr ARM
6.490 5.500 4.750 3.500
0.000 0.000 0.000 0.000
6.497 5.511 5.380 5.820
       
10 YEAR ARMS- CHECK US OUT!
© Bankrate, Inc. http://www.bankrate.com. LEGEND: (A) Mortgage Banker, (B) Mortgage Broker, (C) Bank, (D) S & L, (E) Credit Union. “Call for Rates” means actual rates were not available at press time. Conventional loans are based on loan amounts of $165,000. Jumbo loans are based on loan amounts of $435,000. Points quoted include discount and/or origination. Lock Days: 30-60. Annual percentage rates (APRs) are based on fully indexed rates for adjustable rate mortgages (ARMs). The APR on your specific loan may differ from the sample used. Fees reflect charges relative to the APR. If your down payment is less than 20% of the home's value, you will be subject to private mortgage insurance, or PMI. Bankrate, Inc. does not guarantee the accuracy of the information appearing above or the availability of rates and fees in this table. All rates, fees and other information are subject to change without notice. Bankrate, Inc. does not own any financial institutions. Some or all of the companies appearing in this table pay a fee to appear in this table. If you are seeking a mortgage in excess of $417,000, recent legislation may enable lenders in certain locations to provide rates that are different from those shown in the table above. We recommend that you contact your lender directly to determine what rates may be available to you. To appear in this table, call 800-509-4636. To report any inaccuracies, call 888-509-4636.