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Mortgage rates are moving again! Where are they headed? See our newest Two-Month Forecast for Mortgage Rates.

Mortgage rates are moving again! Where are they headed? See our newest Two-Month Forecast for Mortgage Rates.

New York Mortgage Rates and Refinance Rates: HSH Lender Showcase

Personalize your quotes and see mortgage rates just for you.
Displaying Today's Mortgage Rates for a $150000 Refinance loan in VA.
Refinance
Your loan amount is greater than the value of the property, a condition known as being "underwater".
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Featured lenders
Updated: 9/21/2019
New American Funding
  • America’s Trusted Mortgage Lender - Rated A+ by the BBB
  • Fast Pre-Approvals, Loan Closing within 14Biz Days, Lock Your Rate Now
  • Offering Conventional, Jumbo, FHA, VA, USDA. Non-QM - 680 Minimum FICO
Featured lenders
Updated: 9/21/2019
LoanDepot, LLC
  • Historically Low Interest Rates - $100 Billion Funded
  • Cash-Out and Debt Consolidation Options
  • No Lender Closing Cost Options Available

30 year fixed mortgage rates today from 3.750%

Updated: 9/20/2019
30 Yr. Fixed
30 Yr. Fixed
Rate as low as
3.915%
APR
Rate as low as
3.750%
Rate
$ 695
Monthly Payment
Show Details
Updated: 9/21/2019
30 Yr. Fixed
30 Yr. Fixed
Rate as low as
3.617%
APR
Rate as low as
3.375%
Rate
$ 663
Monthly Payment
Show Details
Updated: 9/20/2019
CloseYourOwnLoan.com
  • Skip the salesman. Keep the commission!
  • Get online rates, payments and a Good Faith Estimate
  • $1,000 Best Rate Guarantee
Updated: 9/21/2019
AimLoan.com
  • Internet direct lender since 1998. View rates & fees, apply/lock online 24/7

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.

2019 Conventional loan limits for New York

County NameOne FamilyTwo FamilyThree FamilyFour Family
AlbanyOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
AlleganyOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
BronxOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
BroomeOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
CattaraugusOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
CayugaOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
ChautauquaOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
ChemungOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
ChenangoOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
ClintonOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
ColumbiaOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
CortlandOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
DelawareOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
DutchessOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
ErieOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
EssexOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
FranklinOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
FultonOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
GeneseeOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
GreeneOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
HamiltonOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
HerkimerOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
JeffersonOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
KingsOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
LewisOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
LivingstonOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
MadisonOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
MonroeOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
MontgomeryOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
NassauOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
New YorkOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
NiagaraOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
OneidaOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
OnondagaOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
OntarioOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
OrangeOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
OrleansOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
OswegoOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
OtsegoOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
PutnamOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
QueensOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
RensselaerOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
RichmondOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
RocklandOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
SaratogaOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
SchenectadyOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
SchoharieOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
SchuylerOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
SenecaOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
St. LawrenceOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
SteubenOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
SuffolkOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
SullivanOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
TiogaOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
TompkinsOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
UlsterOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
WarrenOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
WashingtonOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
WayneOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
WestchesterOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
WyomingOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
YatesOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600