Gouverneur Savings & Loan- Mortgage Rates gouverneurbank.com

10 YEAR (OR LESS) FIXED RATE MORTGAGES
APR	RESIDENTIAL OWNER OCCUPIED	Minimum Down Payment
5.25%	Customer Pays Closing Costs	15%
5.50%	Bank Pays Closing Costs	15%
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11 - 15 YEAR FIXED RATE MORTGAGES
APR	RESIDENTIAL OWNER OCCUPIED	Minimum Down Payment
5.30%	Customer Pays Closing Costs	15%
5.75%	Bank Pays Closing Costs	15%
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16 - 20 YEARS FIXED RATE MORTGAGES
APR	RESIDENTIAL OWNER OCCUPIED	Minimum Down Payment
5.50%	Customer Pays Closing Costs	15%
5.99%	Bank Pays Closing Costs	15%
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21 - 25 YEAR FIXED RATE MORTGAGES
APR	RESIDENTIAL OWNER OCCUPIED	Minimum Down Payment
5.90%	Customer Pays Closing Costs	15%
6.25%	Bank Pays Closing Costs	15%
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1 YEAR ADJUSTABLE RATE MORTGAGES 10 to 30 YEARS
APR	RESIDENTIAL OWNER OCCUPIED	Minimum Down Payment
4.99%	Customer Pays Closing Costs	15%
5.25%	Bank Pays Closing Costs	15%
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5 YEAR FIXED 1 YEAR ADJUSTABLE RATE MORTGAGES 10 to 30 YEARS
APR	RESIDENTIAL OWNER OCCUPIED	Minimum Down Payment
4.99%	Customer Pays Closing Costs	15%
5.25%	Bank Pays Closing Costs	15%

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10 YEAR FIXED 1 YEAR ADJUSTABLE RATE MORTGAGES 10 to 30 YEARS
APR	RESIDENTIAL OWNER OCCUPIED	Minimum Down Payment
5.25%	Customer Pays Closing Costs	15%
5.50%	Bank pays Closing Costs	15%
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5 YEARS JUNIOR LIENS
APR		Minimum Down Payment
6.25%	Customer Pays Closing Costs	80% LTV
0.00%	Bank pays Closing Costs	80% LTV
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10 YEARS JUNIOR LIENS
APR		Minimum Down Payment
6.50%	Customer Pays Closing Costs	80% LTV
$10,000 or more	Bank pays Closing Costs	80% LTV
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11 - 15 YEARS JUNIOR LIENS
APR		Minimum Down Payment
7.00%	Customer Pays Closing Costs	80% LTV
$10,000 or more	Bank pays Closing Costs	80% LTV
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Purchases - New Refinances and Inhouse refinances
with over $10,000 new money - 5 year payoff agreement

700 + Score

RAW LAND

Minimum Down Payment

7.50%

Up to 5 Years

35%

8.00%

6 to 10 Years

35%

8.50%

11 to 15 Years

35%

Note: Rates Are Subject To Change Without Prior Notice