Program workspace

“Lending Construction & Lot Loans”

“For decades, we've helped people build their dream homes with low construction loan rates. Our simple application process, combined with competitive rates and flexible terms, makes homebuilding more accessible than most would think. Whether you're a first-time builder or have built a home before, we'll work with you to find financing options that fit your budget and timeline.”

“Our construction loans are designed with your needs in mind, offering competitive terms and a streamlined process that sets us apart from traditional lenders. From application to move-in day, we've structured our loans to provide maximum value and convenience for your building project. Benefits of our construction loans include: One convenient closing for both construction and permanent financing Land can be owned free and clear or included in the construction contract A variety of loan types and terms available Fixed rate or adjustable rate options Rate locked at time of application Special 250-day lock for builder-financed construction No private mortgage insurance (PMI) required Loan terms from 7-30 years, depending on loan type To learn more about our draw construction loans and our 250-day builder-financed end loan... Contact Us”

“Turn your dream home into reality with Geddes Federal's construction loans near Syracuse, NY. Get Started Home Loans Construction Loans near Syracuse NY”

“Construction Loans”

“Are You Thinking About Your Dream Home? At Geddes Federal, we understand that building your dream home is one of life's most exciting milestones. Our construction loans near Syracuse, NY, are designed to make the process as smooth and affordable as possible, from breaking ground to moving in. Let Geddes Federal help your dream home become a reality. Apply in person at a local Geddes Federal branch location or apply online - we are ready to serve you. Apply Online* Let's Talk (315) 468-6281”

“Construction draws issued based on percentage completion”

“Construction must be performed by an experienced contractor”

“Land can be owned free and clear or included in the construction contract”

“Loan Application Mortgage Loans Mortgage Refinancing First Time Home Buyer Construction Loans Home Equity Line of Credit Home Equity Loan Bi-Weekly Mortgage Payment Schedule”

“One convenient closing for both construction and permanent financing”

“Whether you're not ready to build yet, still looking for the right place to build, or if you're looking to improve your existing home, Geddes Federal has the right lending product for you. In addition to our construction loans near Syracuse, NY, we proudly offer competitive rates for a variety of loans: Home Equity Loans Home Equity Lines of Credit Secured Home Improvement Loans Land Loans Contact Us”

“Geddes Federal is here to provide affordable construction loans near Syracuse, NY and surrounding regions to get you started. Take the first step and contact us today. Get in Touch with a Loan Specialist Construction Loan Terms Construction draws issued based on percentage completion Construction must be performed by an experienced contractor Please reach out to us if you wish to be your own general contractor”

“Special 250-day lock for builder-financed construction”

“As a valued member of our financial family, your needs are our #1 priority. That’s why we offer a wide variety of products and friendly, reliable service-all in one convenient place. Contact Us to Get Started Mortgages Savings ATM Locator Online Banking”

“Your neighbors at Geddes Federal Savings and Loan Association are here for you. Whether it’s everyday essentials like checking accounts with secure, convenient mobile banking and online banking , or you’re building a brighter tomorrow with retirement savings , mortgage loans , home equity loans or a home equity line of credit , get it at Geddes. For generations, we’ve been here for the Syracuse, NY community that we’re proud to call home. We’re local and we’re always easy to reach. Contact Us 315-468-6281 Automated Banking: Call Geddes Federal Savings and Loan Association Automated Banking at 1-888-881-8627 Reorder Checks Routing Number: 221371741 Westvale Plaza, 2208 W. Genesee St. Syracuse, NY 13219 Mailing Address: P.O. Box 19040 Syracuse, NY 13209 Connect With Us Account Access Accounts Online Banking Certificates of Deposit Savings Accounts Checking Accounts Mobile Banking Retirement Savings Extra Value Services Good Life Adventures Program Lost or Stolen ATM or Debit Card About Us From the Chairman From the President Board of Directors / Officers Locations & Hours Mission Statement Testimonials Frequently Asked Questions Statement of Conditions Contact Us Loans Loan Application Mortgage Loans Mortgage Refinancing First Time Home Buyer Construction Loans Home Equity Line of Credit Home Equity Loan Bi-Weekly Mortgage Payment Schedule 2022 Geddes Federal Savings and Loan Association Privacy Policy Banking Website Design by ACS This link will take you from Geddes Federal's website to a third-party location that is not controlled by Geddes Federal Savings & Loan Association. Please note that this new site may have a different policy on privacy, cookies, data collection and other issues. Geddes Federal Savings does not monitor content on third-party websites and does not endorse and is not responsible for the content, guarantees, privacy policy, security, and products and services that are offered or expressed on them. Are you sure you want to continue? Continue Cancel”

“Construction Loans Construction lending is our specialty. Each year we provide financing for many homes in the Upper Cumberland area. To meet your construction financing needs, we currently offer two types of loans, short term construction-only loans and long term construction-permanent loans. To apply for a construction loan, we need to know where you are building your home. A copy of your deed helps us with that information. Second, we need to know what you are building. A copy of your house plans takes care of that. Third, we need to know what it will cost. With this information, we can determine your loan amount. Last of all, we will need some basic personal and financial information including income verification, e.g., a current pay stub. There can be many details and questions to consider when building a home and getting a construction loan. Feel free to call Lewis or Angela at 931-484-6178 to personally discuss any aspect of our construction loan programs. We look forward to the opportunity to assist you in the exciting venture of building a new home. Construction-Only Loans Construction-only loans are set up on a 12-month term loan with no points and a very competitive rate. During the term of the loan, you pay only the interest due each month based on the amount of funds drawn from the loan up to that point in time. We will consider lending up to 80% of the appraised value of your land and proposed home together. Construction-Permanent Loans Under special circumstances, Highland Federal may offer a construction-permanent loan. This “in-house” loan is typically for situations where the loan will not conform to secondary market underwriting guidelines. It starts out just like the interest-only loan. Interest is paid monthly based on the amount drawn. However, this loan automatically converts to a permanent mortgage after the initial construction period, without any new paperwork or expense. This adjustable rate loan may be set up with terms up to thirty years. Call 931-484-6178 and talk to one of our loan specialists for further details. Privacy Policy Terms & Conditions Wiring Instructions Sitemap Update Cookie Preferences *APY = Annual Percentage Yield Routing Number: 264171267 NMLS#: 410347 Powered by DCI Back to Top”

“With years of commercial lending under our belt we understand the cash flow needs of today's commercial client. Whether it's starting that small part-time business you have always dreamed of, or financing a multi-million dollar business, High Plains Bank can help. We know that strong businesses are integral to thriving communities. Small Business Solutions”

“Flagler's Beautification Project photo: Julia Boger, FNB Hugo Phophotphotpho Click here to stop the slider's autoplay feature Click here to start the slider's autoplay feature Business Account Merchant Services Personal Accounts Open an Account Apply for a Loan Contact Us”

“From representing your best interests, safeguarding your assets, to simplifying the estate administration process, our dedicated Trust, Estate, and Investment Services team is with you every step of the way. Our Trust, Estate and Investment Services offices are located at 385 Main Street in Downtown Longmont. High Plains Bank Trust/Investment products are not insured by the FDIC or any other federal government agency, are not deposits of or guaranteed by the bank, and may lose value. High Plains Bank Story”

“Commercial Real Estate”

“Enter Username Enter Password Forgot Password or PIN? Business Banking Flexibility, Value, Convenience LEARN MORE Mobile Wallet The Easy Way to Pay LEARN MORE Online Banking Simple, Safe, Secure LEARN MORE Celebrating 250 years of American Independence and the Communities that make America strong. For 250 years, Americans have built upon dreams. Home Federal Bank is proud to help make those dreams come true. Honoring America’s heritage. Investing in its future. A strong financial foundation starts here and grows with every milestone you reach. We invite you to build your future with us at Home Federal Bank. Find Us Chat Us Open an Account Apply for a Loan Visit Our Communities About Us Contact Us Location & Hours About Home Federal Bank Employment Opportunities Investor Relations Helpful Resources Routing #304971945 Education Center Financial Calculators Online Applications Reorder Checks Fraud Prevention & Alerts Important Information Privacy Policy Disclosures Sitemap Copyright © 2026 Home Federal Savings and Loan Association. All rights reserved. Member FDIC. Equal Housing Lender. Bank Website Developed & Hosted By BankSITE®”

“Loans designed for individuals who desire to construct their dream home.”

“Funds for purchase, construction, and refinancing of commercial property For owner-occupied and investment properties Competitive rates Flexible terms customized to your needs Easy online application process Lenders with knowledge of the local real estate market Fast decisions made here in Central Ohio Professional, friendly service from start to finish”

“Funds for purchase, construction, and refinancing of commercial property”