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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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4.625% Rate

30 Yr. Fixed

4.799% APR

$771 / month (est)

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Updated 12/10/2018

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5.375% Rate

30 Yr. Fixed

5.527% APR

$870 / month (est)

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Updated 12/11/2018

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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.

For New York, 50 counties have a conventional loan limit at $453,100 and 12 counties at $679,650.

2018 Conventional loan limits for New York

County NameOne-FamilyTwo-FamilyThree-FamilyFour-Family
Albany$453,100$580,150$701,250$871,450
Allegany$453,100$580,150$701,250$871,450
Bronx$679,650$870,225$1,051,875$1,307,175
Broome$453,100$580,150$701,250$871,450
Cattaraugus$453,100$580,150$701,250$871,450
Cayuga$453,100$580,150$701,250$871,450
Chautauqua$453,100$580,150$701,250$871,450
Chemung$453,100$580,150$701,250$871,450
Chenango$453,100$580,150$701,250$871,450
Clinton$453,100$580,150$701,250$871,450
Columbia$453,100$580,150$701,250$871,450
Cortland$453,100$580,150$701,250$871,450
Delaware$453,100$580,150$701,250$871,450
Dutchess$679,650$870,225$1,051,875$1,307,175
Erie$453,100$580,150$701,250$871,450
Essex$453,100$580,150$701,250$871,450
Franklin$453,100$580,150$701,250$871,450
Fulton$453,100$580,150$701,250$871,450
Genesee$453,100$580,150$701,250$871,450
Greene$453,100$580,150$701,250$871,450
Hamilton$453,100$580,150$701,250$871,450
Herkimer$453,100$580,150$701,250$871,450
Jefferson$453,100$580,150$701,250$871,450
Kings$679,650$870,225$1,051,875$1,307,175
Lewis$453,100$580,150$701,250$871,450
Livingston$453,100$580,150$701,250$871,450
Madison$453,100$580,150$701,250$871,450
Monroe$453,100$580,150$701,250$871,450
Montgomery$453,100$580,150$701,250$871,450
Nassau$679,650$870,225$1,051,875$1,307,175
New York$679,650$870,225$1,051,875$1,307,175
Niagara$453,100$580,150$701,250$871,450
Oneida$453,100$580,150$701,250$871,450
Onondaga$453,100$580,150$701,250$871,450
Ontario$453,100$580,150$701,250$871,450
Orange$679,650$870,225$1,051,875$1,307,175
Orleans$453,100$580,150$701,250$871,450
Oswego$453,100$580,150$701,250$871,450
Otsego$453,100$580,150$701,250$871,450
Putnam$679,650$870,225$1,051,875$1,307,175
Queens$679,650$870,225$1,051,875$1,307,175
Rensselaer$453,100$580,150$701,250$871,450
Richmond$679,650$870,225$1,051,875$1,307,175
Rockland$679,650$870,225$1,051,875$1,307,175
Saratoga$453,100$580,150$701,250$871,450
Schenectady$453,100$580,150$701,250$871,450
Schoharie$453,100$580,150$701,250$871,450
Schuyler$453,100$580,150$701,250$871,450
Seneca$453,100$580,150$701,250$871,450
St. Lawrence$453,100$580,150$701,250$871,450
Steuben$453,100$580,150$701,250$871,450
Suffolk$679,650$870,225$1,051,875$1,307,175
Sullivan$453,100$580,150$701,250$871,450
Tioga$453,100$580,150$701,250$871,450
Tompkins$453,100$580,150$701,250$871,450
Ulster$453,100$580,150$701,250$871,450
Warren$453,100$580,150$701,250$871,450
Washington$453,100$580,150$701,250$871,450
Wayne$453,100$580,150$701,250$871,450
Westchester$679,650$870,225$1,051,875$1,307,175
Wyoming$453,100$580,150$701,250$871,450
Yates$453,100$580,150$701,250$871,450