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New York Mortgage Rates and Refinance Rates: HSH Lender Showcase

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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.

2019 Conventional loan limits for New York

County NameOne-FamilyTwo-FamilyThree-FamilyFour-Family
Albany$484,350$620,200$749,650$931,600
Allegany$484,350$620,200$749,650$931,600
Bronx$726,525$930,300$1,124,475$1,397,400
Broome$484,350$620,200$749,650$931,600
Cattaraugus$484,350$620,200$749,650$931,600
Cayuga$484,350$620,200$749,650$931,600
Chautauqua$484,350$620,200$749,650$931,600
Chemung$484,350$620,200$749,650$931,600
Chenango$484,350$620,200$749,650$931,600
Clinton$484,350$620,200$749,650$931,600
Columbia$484,350$620,200$749,650$931,600
Cortland$484,350$620,200$749,650$931,600
Delaware$484,350$620,200$749,650$931,600
Dutchess$726,525$930,300$1,124,475$1,397,400
Erie$484,350$620,200$749,650$931,600
Essex$484,350$620,200$749,650$931,600
Franklin$484,350$620,200$749,650$931,600
Fulton$484,350$620,200$749,650$931,600
Genesee$484,350$620,200$749,650$931,600
Greene$484,350$620,200$749,650$931,600
Hamilton$484,350$620,200$749,650$931,600
Herkimer$484,350$620,200$749,650$931,600
Jefferson$484,350$620,200$749,650$931,600
Kings$726,525$930,300$1,124,475$1,397,400
Lewis$484,350$620,200$749,650$931,600
Livingston$484,350$620,200$749,650$931,600
Madison$484,350$620,200$749,650$931,600
Monroe$484,350$620,200$749,650$931,600
Montgomery$484,350$620,200$749,650$931,600
Nassau$726,525$930,300$1,124,475$1,397,400
New York$726,525$930,300$1,124,475$1,397,400
Niagara$484,350$620,200$749,650$931,600
Oneida$484,350$620,200$749,650$931,600
Onondaga$484,350$620,200$749,650$931,600
Ontario$484,350$620,200$749,650$931,600
Orange$726,525$930,300$1,124,475$1,397,400
Orleans$484,350$620,200$749,650$931,600
Oswego$484,350$620,200$749,650$931,600
Otsego$484,350$620,200$749,650$931,600
Putnam$726,525$930,300$1,124,475$1,397,400
Queens$726,525$930,300$1,124,475$1,397,400
Rensselaer$484,350$620,200$749,650$931,600
Richmond$726,525$930,300$1,124,475$1,397,400
Rockland$726,525$930,300$1,124,475$1,397,400
Saratoga$484,350$620,200$749,650$931,600
Schenectady$484,350$620,200$749,650$931,600
Schoharie$484,350$620,200$749,650$931,600
Schuyler$484,350$620,200$749,650$931,600
Seneca$484,350$620,200$749,650$931,600
St. Lawrence$484,350$620,200$749,650$931,600
Steuben$484,350$620,200$749,650$931,600
Suffolk$726,525$930,300$1,124,475$1,397,400
Sullivan$484,350$620,200$749,650$931,600
Tioga$484,350$620,200$749,650$931,600
Tompkins$484,350$620,200$749,650$931,600
Ulster$484,350$620,200$749,650$931,600
Warren$484,350$620,200$749,650$931,600
Washington$484,350$620,200$749,650$931,600
Wayne$484,350$620,200$749,650$931,600
Westchester$726,525$930,300$1,124,475$1,397,400
Wyoming$484,350$620,200$749,650$931,600
Yates$484,350$620,200$749,650$931,600