Routing Number 325181248
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5 Year Adjustable Rate Mortgage (ARM)
*Offer subject to change without notice. APR = Annual Percentage Rate. Rate is accurate as of 08/24/2023 and may change at any time. Rate is variable and subject to change after consummation. Sample loan: $320,000 loan amount at 80% loan to value, an estimated $6,943 in loan fees and charges. APR = 4.828%. After the conclusion of the initial 5-year period, the minimum rate is 3.00% and the maximum rate is 5% over the start rate. The rate is based on U.S. Treasury Five Year Index plus a margin of 2.75% based on credit score, and can change every 5 years. Payment example does not reflect taxes, insurance, or other charges you may incur.
30 year fixed-rate mortgages
All loans subject to approval. Assuming 20% down, purchase for a $296,000 loan with a 30 year fixed term at 7.908% APR, your monthly payment on a single-family home would be $2,121. Payment does not include taxes, insurance, or other charges. Actual monthly payment will be higher.
If you plan to call it home, Gesa is here to help. We know it’s a big step, and that the right knowledge will give you the confidence to take it. That’s why our advisors stay by your side as we navigate every part of the home loan process, from securing your first down payment to finding the most competitive mortgage rate and refinancing your loan as your needs evolve.
Start by reviewing your bank accounts and billing statements to accurately gauge how much money you’re making and spending each month. If you’re going to buy a house with someone else (like a spouse), review your finances together and then ask yourselves some questions:
Construction loans require special loan documentation and can get a bit tricky. Our loan officers are ready to help you navigate the world of short-term, single-close, and construction-permanent loans.
The amount of your monthly mortgage payment and how it fits in your budget is key to determining how much house you can afford.
Your down payment is cash you’ll pay for the home at closing. Down payment requirements can be as little as zero down, depending upon several key factors. The more money you put down, the lower your monthly payment and interest rate will be.
Down payment help is available. Special restrictions apply. If you need help determining your down payment, check out the resource links below.
All loans subject to approval. Assuming 20% down, purchase for a $296,000 loan with a 30 year fixed term at 6.375% APR, your monthly payment on a single-family home would be $1,847. Payment does not include taxes, insurance, or other charges. Actual monthly payment will be higher.
Equal Housing Opportunity
Co-op Shared
Branch
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Affinity debit cards give back to your community when you swipe.
We have the accounts, products, and services to help you and your small business succeed.
With best-in-class rates and a variety of everyday banking products, Gesa has the right account, card, or loan for you.
Up to 5.00% APY
On select checking accounts!
Routing Number 325181248
Applying should only take a few minutes. Please have these documents ready:
Use your online banking log-in to pre-fill your application with saved information.
You can easily change your debit card through our affinity form.
| Disclaimer | |
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| *APY | * APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of the first day of the month – the last dividend declaration date. |
| SmartPlus Checking | *To earn the higher rate, you must:
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