New York Mortgage Rates and Refinance Rates Today

Mortgages in New York: Find the best New York mortgage rates today from banks and credit unions. When results are displayed for mortgage rates in New York, you can easily sort your search results by lender, rate, APR and points so you can easily compare results. Whether you’re looking for conforming, jumbo, adjustable or interest-only mortgage rates in New York. Another option is searching for New York refinance rates if you're looking to refinance a loan. Best of all you don't have to provide any personal information to see a list of New York mortgage rates or refinance rates.

Search and Compare New York Current Mortgage Rates & Refinance Rates

Loan Type Purchase    Refinance	Location State/City    Zip Code		Loan Amt	Points	FICO	% Down
30 year fixed refi 15 year fixed refi 10 year fixed refi 20 year fixed refi 5/1 ARM refi 7/1 ARM refi 10/1 ARM refi 3/1 ARM refi 5/1 ARM refi IO 7/1 ARM refi IO 3/1 ARM refi IO	AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY    Albany Binghamton Bronxville Buffalo Elmira Glens Falls Irondequoit Ithaca Long Island New York Metro Oneonta Plattsburgh Poughkeepsie Rochester Syracuse Utica Watertown Yonkers		$	All 0 0.1 - 1 1.1 - 2	660 - 679 680 - 699 700 - 719 720 - 739 740+	5% 10% 15% 20% 25% 30% 40%

30 yr fixed refi in 12211, All points, Credit score: 740+     Sort by: Default Lender APR Rate Fees in APR Payment Points

Lender

APR

Rate

Cost & Fees

Notes

 

(877) 407-3813

4.000%

8/22/2017

4.000%

at 0.000 pts
30 day lock rate

Est payment: $954.83

Fees in APR: None

Thank you for your inquiry, we will be in touch shortly. 

 

(877) 407-3813

3.823%

8/22/2017

3.750%

at 0.100 pts
30 day lock rate

Est payment: $926.23

Fees in APR: $1,586

Thank you for your inquiry, we will be in touch shortly. 

 

(877) 407-3813

3.759%

8/22/2017

3.625%

at 1.100 pts
30 day lock rate

Est payment: $912.10

Fees in APR: $1,056

Thank you for your inquiry, we will be in touch shortly. 

 

(877) 430-1109

3.750%

8/22/2017

3.750%

at 0.000 pts
31 day lock rate

Est payment: $926.23

Fees in APR: None

The Experience is the Difference 

 

3.907%

8/22/2017

3.875%

at 0.000 pts
30 day lock rate

Est payment: $940.47

Fees in APR: $786

Thank you for your inquiry! 

 

3.925%

8/16/2017

3.875%

at 0.000 pts
30 day lock rate

Est payment: $940.47

Fees in APR: $1,221

Thank you for your inquiry 

 

4.381%

8/22/2017

4.375%

at 0.000 pts
30 day lock rate

Est payment: $998.57

Fees in APR: $150

 

 

4.226%

8/22/2017

4.125%

at 0.100 pts
30 day lock rate

Est payment: $969.30

Fees in APR: $2,200

 

 

(877) 430-1109

3.760%

8/22/2017

3.750%

at 0.125 pts
31 day lock rate

Est payment: $926.23

Fees in APR: None

The Experience is the Difference 

 

3.859%

8/16/2017

3.750%

at 0.100 pts
30 day lock rate

Est payment: $926.23

Fees in APR: $2,447

Thank you for your inquiry 

 

4.080%

8/22/2017

3.875%

at 1.100 pts
30 day lock rate

Est payment: $940.47

Fees in APR: $2,700

 

 

(877) 430-1109

3.717%

8/22/2017

3.625%

at 1.125 pts
31 day lock rate

Est payment: $912.10

Fees in APR: None

The Experience is the Difference 

 

3.804%

8/16/2017

3.625%

at 1.100 pts
30 day lock rate

Est payment: $912.10

Fees in APR: $2,139

Thank you for your inquiry 

 

Glens Falls Natl Bank & Trust Co

4.071%

8/22/2017

4.000%

at 0.000 pts
60 day lock rate

Est payment: $954.83

Fees in APR: $1,708

 

 

TD Bank, NA

3.823%

8/18/2017

3.750%

at 0.375 pts
45 day lock rate

Est payment: $926.23

Fees in APR: $1,016

 

 

Chemung Canal Trust Company

3.998%

8/21/2017

3.875%

at 1.250 pts
60 day lock rate

Est payment: $940.47

Fees in APR: $448

 

 

LincolnWay Community Bank

3.920%

8/22/2017

3.875%

at 0.000 pts
30 day lock rate

Est payment: $940.47

Fees in APR: $1,085

 

 

IAB Financial Bank

4.285%

8/16/2017

4.250%

at 0.000 pts
30 day lock rate

Est payment: $983.88

Fees in APR: $828

 

 

Amalgamated Bank

3.812%

8/17/2017

3.750%

at 0.000 pts
60 day lock rate

Est payment: $926.23

Fees in APR: $1,504

 

 

Malvern Federal Savings Bank

4.031%

8/16/2017

4.000%

at 0.000 pts
60 day lock rate

Est payment: $954.83

Fees in APR: $745

 

 

Santander Bank, N.A.

4.074%

8/22/2017

3.990%

at 0.000 pts
60 day lock rate

Est payment: $953.68

Fees in APR: $2,004

 

 

Many lenders have different rates on their own Websites than those posted on Bankrate.com. In order to get the Bankrate.com rate, please identify yourself as a Bankrate.com customer. If you believe that you have received an inaccurate quote or are otherwise not satisfied with the services provided to you by the lender you choose, please click here.

The rates above were collected by Bankrate.com on the dates specified. Rates are subject to change without notice and may vary from branch to branch. Rate/APR and terms may vary based on the creditworthiness of the individual and the extent to which the loan differs from the one used for Bankrate.com quotes. For criteria used in surveys of rates above, click here. These quotes are from banks, thrifts, and brokers, some of whom have paid for a link to their own Web site, where you can find additional information.

New York Conforming Mortgage Rates and Refinance Rates

Conforming home mortgage rates in New York are the most popular type of mortgages rates you can find advertised for home buyers in New York. Conforming mortgages, also known as conventional mortgages, are mortgages that meet certain criteria set out by Federal Housing Finance Agency (FHFA). There is a loan limit set for each county in the United States. Higher mortgage loan limits are set for high housing cost areas. New York mortgages that 'conform' to the standards set out by the Federal Housing Finance Agency can be purchased by government sponsored entities (GSE) like Freddie Mac and Fannie Mae. This process guarantees New York banks, mortgage companies and credit unions are able to resell home mortgage loans that they make. This process also makes New York conforming mortgage rates and refi rates lower than New York jumbo mortgage rates and jumbo refinance rates because the GSE's can’t purchase jumbo mortgages that are made by New York home finance companies, credit unions and banks.

Jumbo Mortgage Rates and Refinance Rates in New York

Jumbo mortgage rates in New York are advertised for home loans that have a dollar amount that is higher than conventional loan amounts. Jumbo mortgage rates and jumbo refinance rates are always higher than conventional mortgage rates for both fixed mortgage rates in New York and adjustable mortgage rates in New York. Interest rates are higher because third party investors buy the home loans credit unions, banks and mortgage companies in New York make.

New York Fixed Mortgage Rates and Fixed Refinance Rates

New York fixed rate mortgages are the most common mortgage available to borrowers. With a fixed mortgage the interest rate stays the same for the entire loan period. Fixed mortgages are available in 40 years, 30 years, 20 years, 15 years and 10 years. The longer the mortgage term the lower the monthly mortgage payment will be.

New York Adjustable Mortgage Rates

Adjustable New York mortgage rates are fixed for a period of time and then the mortgage rate adjusts every year after. The most common adjustable mortgages terms available in New York are 1 year, 3 year, 5year and 7 year. Adjustable rate mortgages are advertised as 1 year, 3/1, 5/1 and 7/1. Adjustable mortgages are available for conforming dollar amounts and jumbo dollar amounts in New York. Most adjustable mortgages in New York have yearly caps and life time maximum caps on how high the interest rate can fluctuate.

Cities in New York