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New York Mortgage Rates and Refinance Rates: HSH Lender Showcase

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    Mortgage Refinance rates in New York

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    3.875% Rate

    30 Yr. Fixed

    4.009% APR

    $1,422 / month (est)

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    Updated 12/9/2016

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    4.000% Rate

    30 Yr. Fixed

    4.284% APR

    $1,443 / month (est)

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    Updated 12/9/2016

    Member of BBBLow FeesVA Approved LenderFHA Approved LenderOffers HARP Loans
    • Competitive rates and fees: No fancy branches = savings passed on to you!
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    4.375% Rate

    30 Yr. Fixed

    4.680% APR

    $1,509 / month (est)

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    Updated 12/9/2016

    Member of BBBNational LenderExtended Support HoursVA Approved LenderFHA Approved Lender
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    4.375% Rate

    30 Yr. Fixed

    4.680% APR

    $1,509 / month (est)

    Learn More

    Updated 12/9/2016

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    Mortgage rates from lenders in your area
    Company Lending Area Comments
    Millenium Home Mortgage, LLC Last update: 12/09/2016 NY, NJ, CT, PA Specializing in Jumbo, 2nd/ Vac Homes, Co-op and Condos. Great Selection of Interest Only Loans!
    Quicken Loans Last update: 12/09/2016 Nationwide! Great Rates. Expert Advice. Fast Process. Call 800-695-4122 and lock-in a low 30yr fixed rate today!
    Strategy Mortgage Corp Last update: 10/25/2016 Connecticut, New York LOAN AMOUNTS UP TO $4 MILLION. ALWAYS A LIVE PERSON ANSWERS THE PHONE AND RESPONDS TO YOUR EMAIL.

    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.