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Current Mortgage Rates in NY : HSH FHA/VA Showcase

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    Mortgage Refinance rates in New York

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    3.375% Rate

    FHA 30 Yr.

    3.495% APR

    $1,337 / month (est)

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    Updated 12/2/2016

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    3.750% Rate

    FHA 30 Yr.

    4.148% APR

    $1,400 / month (est)

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    Updated 12/2/2016

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    3.750% Rate

    FHA 30 Yr.

    4.148% APR

    $1,400 / month (est)

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    Updated 12/2/2016

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    3.500% Rate

    FHA 30 Yr.

    3.712% APR

    $1,358 / month (est)

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    Updated 12/2/2016

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    New York Mortgages

    New York FHA Mortgage

    FHA Loans are government insured loans from the Federal Housing Administration and are an attractive option for homebuyers who want to refinance.

    For New York, 45 counties have an FHA loan limit at $271,050, 5 counties are at $292,100 and the remaining 12 counties are at $625,500.

    As of January 1, 2014, HUD approves new lower loan limits to take effect for FHA single-family loans. The current standard loan limit for areas where housing costs are relatively low will remain unchanged at $271,050. The new national-ceiling loan limit for the very highest cost areas will be reduced from $729,750 to $625,500. See the chart below for loan limits in your county.

    County NameOne-FamilyTwo-FamilyThree-FamilyFour-FamilyMedian Sale Price
    Albany $292,100 $373,950 $452,000 $561,700 $243,000
    Allegany $271,050 $347,000 $419,425 $521,250 $45,000
    Bronx $625,500 $800,775 $967,950 $1,202,925 $783,000
    Broome $271,050 $347,000 $419,425 $521,250 $113,000
    Cattaraugus $271,050 $347,000 $419,425 $521,250 $57,000
    Cayuga $271,050 $347,000 $419,425 $521,250 $94,000
    Chautauqua $271,050 $347,000 $419,425 $521,250 $75,000
    Chemung $271,050 $347,000 $419,425 $521,250 $85,000
    Chenango $271,050 $347,000 $419,425 $521,250 $65,000
    Clinton $271,050 $347,000 $419,425 $521,250 $113,000
    Columbia $271,050 $347,000 $419,425 $521,250 $198,000
    Cortland $271,050 $347,000 $419,425 $521,250 $100,000
    Delaware $271,050 $347,000 $419,425 $521,250 $100,000
    Dutchess $625,500 $800,775 $967,950 $1,202,925 $783,000
    Erie $271,050 $347,000 $419,425 $521,250 $107,000
    Essex $271,050 $347,000 $419,425 $521,250 $138,000
    Franklin $271,050 $347,000 $419,425 $521,250 $67,000
    Fulton $271,050 $347,000 $419,425 $521,250 $88,000
    Genesee $271,050 $347,000 $419,425 $521,250 $95,000
    Greene $271,050 $347,000 $419,425 $521,250 $150,000
    Hamilton $271,050 $347,000 $419,425 $521,250 $126,000
    Herkimer $271,050 $347,000 $419,425 $521,250 $91,000
    Jefferson $271,050 $347,000 $419,425 $521,250 $126,000
    Kings $625,500 $800,775 $967,950 $1,202,925 $783,000
    Lewis $271,050 $347,000 $419,425 $521,250 $72,000
    Livingston $271,050 $347,000 $419,425 $521,250 $145,000
    Madison $271,050 $347,000 $419,425 $521,250 $128,000
    Monroe $271,050 $347,000 $419,425 $521,250 $145,000
    Montgomery $271,050 $347,000 $419,425 $521,250 $83,000
    Nassau $625,500 $800,775 $967,950 $1,202,925 $783,000
    New York $625,500 $800,775 $967,950 $1,202,925 $783,000
    Niagara $271,050 $347,000 $419,425 $521,250 $107,000
    Oneida $271,050 $347,000 $419,425 $521,250 $91,000
    Onondaga $271,050 $347,000 $419,425 $521,250 $128,000
    Ontario $271,050 $347,000 $419,425 $521,250 $145,000
    Orange $625,500 $800,775 $967,950 $1,202,925 $783,000
    Orleans $271,050 $347,000 $419,425 $521,250 $145,000
    Oswego $271,050 $347,000 $419,425 $521,250 $128,000
    Otsego $271,050 $347,000 $419,425 $521,250 $111,000
    Putnam $625,500 $800,775 $967,950 $1,202,925 $783,000
    Queens $625,500 $800,775 $967,950 $1,202,925 $783,000
    Rensselaer $292,100 $373,950 $452,000 $561,700 $243,000
    Richmond $625,500 $800,775 $967,950 $1,202,925 $783,000
    Rockland $625,500 $800,775 $967,950 $1,202,925 $783,000
    Saratoga $292,100 $373,950 $452,000 $561,700 $243,000
    Schenectady $292,100 $373,950 $452,000 $561,700 $243,000
    Schoharie $292,100 $373,950 $452,000 $561,700 $243,000
    Schuyler $271,050 $347,000 $419,425 $521,250 $95,000
    Seneca $271,050 $347,000 $419,425 $521,250 $88,000
    St. Lawrence $271,050 $347,000 $419,425 $521,250 $75,000
    Steuben $271,050 $347,000 $419,425 $521,250 $85,000
    Suffolk $625,500 $800,775 $967,950 $1,202,925 $783,000
    Sullivan $271,050 $347,000 $419,425 $521,250 $97,000
    Tioga $271,050 $347,000 $419,425 $521,250 $113,000
    Tompkins $271,050 $347,000 $419,425 $521,250 $176,000
    Ulster $271,050 $347,000 $419,425 $521,250 $188,000
    Warren $271,050 $347,000 $419,425 $521,250 $160,000
    Washington $271,050 $347,000 $419,425 $521,250 $160,000
    Wayne $271,050 $347,000 $419,425 $521,250 $145,000
    Westchester $625,500 $800,775 $967,950 $1,202,925 $783,000
    Wyoming $271,050 $347,000 $419,425 $521,250 $96,000
    Yates $271,050 $347,000 $419,425 $521,250 $145,000