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Mortgage Rates
SONYMA Mortgages | Mortgage Rates

Call our automated rate line for updated rates any hour of the day or night, any day of the week: 607-273-4611, ext. 850.

The rates quoted on this page are from June 30, 2009. They are subject to change daily, and are updated on this page weekly.

We can make mortgage loans for mobile homes, both single-wides and double-wides. The trailers MUST be on their own parcel of land, with water and septic, and be on a permanent foundation; no trailers in trailer-parks. We do not provide mortgages for vacant land.

Our Mortgage Lending Office is happy to answer your questions: Call Brian Kunk-Czaplicki at 607-216-3409.

FIXED RATE MORTGAGES
TERM RATE POINTS APR
30 Years 5.750 0.000 5.750
20 Years 5.625 0.000 5.625
15 Years 5.000 0.000 5.000
Call for details on rates and terms.

TEN YEAR SWING
TERM RATE POINTS APR
10-30 Years 5.500 0.000 5.500
The interest rate is fixed for ten years, then becomes a 1 year adjustable. Maximum loan amount $200,000. For owner-occupied single-family or duplex residences. This program was developed locally to meet community needs. Minimum down payment is 15% for both purchase and refinance. 5% must be borrower's own funds, additional down payment may be secured from a housing non-profit, IDA or grant program. This requirement may be waived for First Home Club and other IDA program participants.

FLEXIBLE PLUS MORTGAGE
TERM RATE POINTS APR
10-30 Years 5.500 0.000 5.500
Flexible Plus Mortgage - Thirty year variable rate mortgage with rate changes every five years. Low closing costs. Minimum down payment is 5%. For purchases and refinances. Maximum loan amount is $200,000. No escrows. No title insurance. No PMI. This program was developed locally to meet community needs. Minimum down payment is 15% for both purchase and refinance. 5% must be borrower's own funds, additional down payment may be secured from a housing non-profit, IDA or grant program. This requirement may be waived for First Home Club and other IDA program participants.

HOME EQUITY LINE OF CREDIT
TERM RATE POINTS APR
15-20 Years 4.500 0.000 4.500
No Closing Costs! Cool!

CONSTRUCTION LOAN
TERM RATE POINTS APR
Contractor 6.500 1.250 6 Months
Owner-built 6.500 1.250 1 Year
Interest only paid during construction: Permanent end financing available. Maximum loan amount $150,000.00. For owner-occupied single-family or duplex residences. This loan is held at the Credit Union.