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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 May 13, 2008. 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 Everett Boutillet at 607-216-3409.

FIXED RATE MORTGAGES
TERM RATE POINTS APR
30 Years 6.375 0.000 6.375
20 Years 6.375 0.000 6.375
15 Years 6.125 0.000 6.125
Minimum 5% down.

TEN YEAR SWING
TERM RATE POINTS APR
10-30 Years 6.375 0.000 6.375
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.

FLEXIBLE PLUS MORTGAGE
TERM RATE POINTS APR
10-30 Years 6.125 0.000 6.125
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.

FRESH START MORTGAGE
TERM RATE POINTS APR
30 Year Fixed Rate 0.000 NA NA
Thirty year fixed rate mortgage for borrowers whose credit history prevents them from qualifying for a conforming rate. It rewards borrowers by lowering their interest rate by 1.00%, if they make 24 consecutive on-time payments within the first 4 years of the mortgage. For purchases and refinances. Maximum loan amount $200,000. This program was developed locally to meet community needs.

HOME EQUITY LINE OF CREDIT
TERM RATE POINTS APR
15-20 Years 4.930 0.000 4.93
No Closing Costs! Cool!

CONSTRUCTION LOAN
TERM RATE POINTS APR
Contractor 6.930 1.25 6 Months
Owner-built 6.930 1.25 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.