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It's a question almost everyone is asking: "Should I refinance my mortgage?" If so, what's the best way to pay for my mortgage refinance

It's a question almost everyone is asking: "Should I refinance my mortgage?" If so, what's the best way to pay for my mortgage refinance

Mortgage Rates in New York | Refinance Rates | HSH Lender Showcase

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Displaying Today's Mortgage Rates for a $200000 Refinance loan.
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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 mortgage loan is generally a loan made using private mortgage money and not backed by a government entity, such as FHA, VA or USDA. Conventional mortgages are available in fixed rate and adjustable rate varieties and with a wide range of terms. A conventional loan that meets a number of specific criteria can be sold to Fannie Mae or Freddie Mac and is known as conventional conforming mortgage.

2020 Conventional loan limits for New York

County Name One Family Two Family Three Family Four Family
Albany County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Allegany County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Bronx County One Family$765,600 Two Family$980,325 Three Family$1,184,925 Four Family$1,472,550
Broome County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Cattaraugus County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Cayuga County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Chautauqua County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Chemung County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Chenango County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Clinton County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Columbia County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Cortland County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Delaware County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Dutchess County One Family$726,525 Two Family$930,300 Three Family$1,124,475 Four Family$1,397,400
Erie County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Essex County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Franklin County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Fulton County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Genesee County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Greene County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Hamilton County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Herkimer County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Jefferson County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Kings County One Family$765,600 Two Family$980,325 Three Family$1,184,925 Four Family$1,472,550
Lewis County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Livingston County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Madison County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Monroe County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Montgomery County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Nassau County One Family$765,600 Two Family$980,325 Three Family$1,184,925 Four Family$1,472,550
New York County One Family$765,600 Two Family$980,325 Three Family$1,184,925 Four Family$1,472,550
Niagara County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Oneida County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Onondaga County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Ontario County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Orange County One Family$726,525 Two Family$930,300 Three Family$1,124,475 Four Family$1,397,400
Orleans County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Oswego County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Otsego County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Putnam County One Family$765,600 Two Family$980,325 Three Family$1,184,925 Four Family$1,472,550
Queens County One Family$765,600 Two Family$980,325 Three Family$1,184,925 Four Family$1,472,550
Rensselaer County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Richmond County One Family$765,600 Two Family$980,325 Three Family$1,184,925 Four Family$1,472,550
Rockland County One Family$765,600 Two Family$980,325 Three Family$1,184,925 Four Family$1,472,550
Saratoga County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Schenectady County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Schoharie County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Schuyler County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Seneca County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
St. Lawrence County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Steuben County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Suffolk County One Family$765,600 Two Family$980,325 Three Family$1,184,925 Four Family$1,472,550
Sullivan County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Tioga County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Tompkins County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Ulster County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Warren County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Washington County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Wayne County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Westchester County One Family$765,600 Two Family$980,325 Three Family$1,184,925 Four Family$1,472,550
Wyoming County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
Yates County One Family$510,400 Two Family$653,550 Three Family$789,950 Four Family$981,700
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