Gouverneur Savings Mortgage Programs - Purchase & Refinances   

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With a choice of fixed and adjustable rate mortgages,  Gouverneur Savings has the right commercial or residential mortgage for you!

Available to residents of St. Lawrence, Jefferson and Lewis Counties, New York

Special features include...
Exceptional Turn-Around Time Pre-Approval Available Serviced Locally
Fixed Rates: Locked in at commitment for 60 days.
Adjustable Rates: Locked in at commitment for 90 days.

Click here to use our online information request form
An overnight application package will be sent to you

 
The following are our mortgage rates for purchases and refinances.
 
·         Fixed Rate Residential Mortgage
 10 YEAR (OR LESS) FIXED RATE MORTGAGE
 11-15 YEAR FIXED RATE MORTGAGE
 16-20 YEAR FIXED RATE MORTGAGE
 21-25 YEAR FIXED RATE MORTGAGE
 
 ·         Adjustable Rate Mortgage
 1 YEAR ADJUSTABLE RATE MORTGAGE
 5 & 10 FIXED 1 YEAR ADJUSTABLE RATE MORTGAGE
 
 ·         No Down-payment Mortgage
 VA MORTGAGE LOAN
 
 ·         No Closing Cost Mortgage

5 YEAR PAYOFF
 
·        Other Properties
Waterfront Property
 Raw Land
 

10 YEAR (OR LESS) FIXED RATE MORTGAGES

APR

RESIDENTIAL OWNER OCCUPIED

Minimum Down Payment

6.10%

Customer Pays Closing Costs

15%

6.25%

Bank Pays Closing Costs

15%

Request Additional Information 

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11 - 15 YEAR FIXED RATE MORTGAGES

APR

RESIDENTIAL OWNER OCCUPIED

Minimum Down Payment

6.30%

Customer Pays Closing Costs

15%

6.90%

Bank Pays Closing Costs

15%

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16 - 20 YEARS FIXED RATE MORTGAGES  

APR

RESIDENTIAL OWNER OCCUPIED

Minimum Down Payment

6.60%

Customer Pays Closing Costs

15%

6.99%

Bank Pays Closing Costs

15%

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21 - 25 YEAR  FIXED RATE MORTGAGES

APR

RESIDENTIAL OWNER OCCUPIED

Minimum Down Payment

6.75%

Customer Pays Closing Costs

15%

7.25%

Bank Pays Closing Costs

15%

Request Additional Information 

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1 YEAR ADJUSTABLE RATE MORTGAGES  10 to 30 YEARS

APR

RESIDENTIAL OWNER OCCUPIED

Minimum Down Payment

5.50%

Customer Pays Closing Costs

15%

5.80%

Bank Pays Closing Costs

15%

Request Additional Information 

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5 YEAR FIXED 1 YEAR ADJUSTABLE RATE MORTGAGES  10 to 30 YEARS

APR

RESIDENTIAL OWNER OCCUPIED

Minimum Down Payment

5.99%

Customer Pays Closing Costs

15%

6.25%

Bank Pays Closing Costs

15%

Request Additional Information 

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10 YEAR FIXED 1 YEAR ADJUSTABLE RATE MORTGAGES  10 to 30 YEARS

APR

RESIDENTIAL OWNER OCCUPIED

Minimum Down Payment

6.10%

Customer Pays Closing Costs

15%

6.35%

Bank pays Closing Costs

15%

Request Additional Information 

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VA MORTGAGE LOAN

APR

RESIDENTIAL OWNER OCCUPIED

Minimum Down Payment

 

See Residential Rates

0%

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NO CLOSING COST MORTGAGE

Purchases - New Refinances and Inhouse refinances
with over $10,000 new money - 5 year payoff agreement

 

700 + Score

620 - 699

                      WATERFRONT PROPERTY

                                   RAW LAND

Minimum Down Payment

 7.50%

 8.50%
                       Up to 5 Years

35%

 8.00%

 8.75%

                       6 to 10 Years

35%

 8.50%

 9.00%

                      11 to 15 Years

35%

Request Additional Information 

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Note: Rates Are Subject To Change Without Prior Notice

© Gouverneur Savings 888.817.0020
INTERmoNETary System - Information: 888.739.1937
Revised: Monday, December 01, 2008