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New York Mortgage Rates and Refinance Rates: HSH Lender Showcase

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Mortgage refinance rates in New York

3.500% Rate

30 Yr. Fixed

3.713% APR

$898 / month (est)

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Updated 10/22/2014

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3.500% Rate

30 Yr. Fixed

3.739% APR

$898 / month (est)

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Updated 10/22/2014

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3.750% Rate

30 Yr. Fixed

3.973% APR

$926 / month (est)

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Updated 10/22/2014

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4.125% Rate

30 Yr. Fixed

4.165% APR

$969 / month (est)

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Updated 10/22/2014

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3.625% Rate

30 Yr. Fixed

3.846% APR

$912 / month (est)

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Updated 10/22/2014

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3.750% Rate

30 Yr. Fixed

3.953% APR

$926 / month (est)

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Updated 10/22/2014

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Mortgages from 2.75% (2.96% APR)
  • $200k Loan for Under $816/Month
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Mortgage rates from lenders in your area
Company Lending Area Comments
Mountain Mortgage Corp. Last update: 10/23/2014 NJ, NY, CT DIRECT LENDER SINCE 1982
Special First Time Homebuyer Rates
Bayonne Community Bank Last update: 10/23/2014 New Jersey, New York Portfolio Lender: Jumbo Loans-Investment Properties with No Limit (Cash Out Available) – Condos (Non-Approved) Financing Available
Valley National Bank Last update: 10/23/2014   For Your Mortgage Solutions!
MHM Mortgage Last update: 10/23/2014 NY, NJ, CT, PA Specializing in Jumbo, 2nd/ Vac Homes, Co-op and Condos. Great Selection of Interest Only Loans!
Quicken Loans Last update: 10/22/2014 Nationwide! Great Rates. Expert Advice. Fast Process. Call 800-695-4122 and lock-in a low 30yr fixed rate today!
Aimloan.com Last update: 10/22/2014 Nationwide Certified UpFront Lender! Rates & Good Faith Estimate Online 24/7
Strategy Mortgage Corp Last update: 10/14/2014 Connecticut, New York LOAN AMOUNTS UP TO $4 MILLION. ALWAYS A LIVE PERSON ANSWERS THE PHONE AND RESPONDS TO YOUR EMAIL.
Mortgage rates from other popular lenders
Chase Last update: 05/02/2014 Rates : 4.375% APR : 4.449% Points : 0.875 Monthly Payment : N/A Closing Cost : N/A
CITI Last update: 05/06/2014 Rates : 4.250% APR : 4.430% Points : 1.125 Monthly Payment : N/A Closing Cost : N/A
Bank Of America Last update: 05/08/2014 Rates : 4.500% APR : 4.840% Points : 0.479 Monthly Payment : $304 Closing Cost : $5054.25
PenFed Last update: 05/08/2014 Rates : 4.130% APR : 4.230% Points : 0.000 Monthly Payment : N/A Closing Cost : N/A

New York Mortgages

While homes in New York City and some suburbs are notoriously expensive, communities in Rochester, Syracuse, Albany, and other areas of the state are more reasonably priced. No matter what part of the state you live in, it makes sense to compare NY mortgage rates if you are considering buying a home.

Whether you are a first-time buyer or a homeowner who wants to refinance, check current NY mortgage rates before you commit to a loan to make sure you are getting the lowest possible interest rate and the lowest possible costs. After you review New York mortgage rates, you can contact a lender featured on HSH.com to get an industry expert's take on your home financing options.

New York conventional mortgage

A conventional loan is traditionally defined as a fixed-rate mortgage with equal monthly payments, a 15-year or 30-year term, and a fixed interest rate established when the mortgage is created.

For New York, 52 counties have a conventional loan limit at $417,000 and 10 counties at $625,500.

County NameOne-FamilyTwo-FamilyThree-FamilyFour-Family
Albany $417,000 $533,850 $645,300 $801,950
Allegany $417,000 $533,850 $645,300 $801,950
Bronx $625,500 $800,775 $967,950 $1,202,925
Broome $417,000 $533,850 $645,300 $801,950
Cattaraugus $417,000 $533,850 $645,300 $801,950
Cayuga $417,000 $533,850 $645,300 $801,950
Chautauqua $417,000 $533,850 $645,300 $801,950
Chemung $417,000 $533,850 $645,300 $801,950
Chenango $417,000 $533,850 $645,300 $801,950
Clinton $417,000 $533,850 $645,300 $801,950
Columbia $417,000 $533,850 $645,300 $801,950
Cortland $417,000 $533,850 $645,300 $801,950
Delaware $417,000 $533,850 $645,300 $801,950
Dutchess $417,000 $533,850 $645,300 $801,950
Erie $417,000 $533,850 $645,300 $801,950
Essex $417,000 $533,850 $645,300 $801,950
Franklin $417,000 $533,850 $645,300 $801,950
Fulton $417,000 $533,850 $645,300 $801,950
Genesee $417,000 $533,850 $645,300 $801,950
Greene $417,000 $533,850 $645,300 $801,950
Hamilton $417,000 $533,850 $645,300 $801,950
Herkimer $417,000 $533,850 $645,300 $801,950
Jefferson $417,000 $533,850 $645,300 $801,950
Kings $625,500 $800,775 $967,950 $1,202,925
Lewis $417,000 $533,850 $645,300 $801,950
Livingston $417,000 $533,850 $645,300 $801,950
Madison $417,000 $533,850 $645,300 $801,950
Monroe $417,000 $533,850 $645,300 $801,950
Montgomery $417,000 $533,850 $645,300 $801,950
Nassau $625,500 $800,775 $967,950 $1,202,925
New York $625,500 $800,775 $967,950 $1,202,925
Niagara $417,000 $533,850 $645,300 $801,950
Oneida $417,000 $533,850 $645,300 $801,950
Onondaga $417,000 $533,850 $645,300 $801,950
Ontario $417,000 $533,850 $645,300 $801,950
Orange $417,000 $533,850 $645,300 $801,950
Orleans $417,000 $533,850 $645,300 $801,950
Oswego $417,000 $533,850 $645,300 $801,950
Otsego $417,000 $533,850 $645,300 $801,950
Putnam $625,500 $800,775 $967,950 $1,202,925
Queens $625,500 $800,775 $967,950 $1,202,925
Rensselaer $417,000 $533,850 $645,300 $801,950
Richmond $625,500 $800,775 $967,950 $1,202,925
Rockland $625,500 $800,775 $967,950 $1,202,925
St. Lawrence $417,000 $533,850 $645,300 $801,950
Saratoga $417,000 $533,850 $645,300 $801,950
Schenectady $417,000 $533,850 $645,300 $801,950
Schoharie $417,000 $533,850 $645,300 $801,950
Schuyler $417,000 $533,850 $645,300 $801,950
Seneca $417,000 $533,850 $645,300 $801,950
Steuben $417,000 $533,850 $645,300 $801,950
Suffolk $625,500 $800,775 $967,950 $1,202,925
Sullivan $417,000 $533,850 $645,300 $801,950
Tioga $417,000 $533,850 $645,300 $801,950
Tompkins $417,000 $533,850 $645,300 $801,950
Ulster $417,000 $533,850 $645,300 $801,950
Warren $417,000 $533,850 $645,300 $801,950
Washington $417,000 $533,850 $645,300 $801,950
Wayne $417,000 $533,850 $645,300 $801,950
Westchester $625,500 $800,775 $967,950 $1,202,925
Wyoming $417,000 $533,850 $645,300 $801,950
Yates $417,000 $533,850 $645,300 $801,950

Calculate your payments for New York properties with our mortgage calculator.