Interest rate is fixed for 1, 5 or 10 years, adjusting annually thereafter with a yearly cap of 2% and a lifetime cap of 6% over initial rate.Rates based on loan terms of 10 years to 30 years.No closing cost option for primary residences only.Primary residence, second homes, investment properties.Purchase, refinance, and construction loan products.Maximum loan amount up to 97% for qualified borrowers based on the appraised value or purchase price, whichever is less. Interest rate is based on loan terms of 10 years to 30 years.Let's Talk About Your Mortgage Loan Options You will be able to contact your loan officer for questions or concerns as the loan is serviced locally by Gouverneur Savings and Loan.MAP Program-Competitive Fixed Rate Mortgage Program Most realtors require a Pre-Qualification Letter before they schedule home showings with you. We offer a Pre-Qualification Form which you can complete online or with one of our loan staff in person. Our loan staff can help you determine how much your budget will allow you to borrow comfortably before you start looking for your new home. They will guide you from the first time you speak with them through the loan closing and beyond, answering your questions and offering assurance along the way. Gouverneur Savings & Loan takes pride in our dedicated, experienced, and friendly loan staff that will explain our loan products and help you decide which product best serves your needs.
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