Mortgage Rates in New York | 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.

2021 Conforming loan limits for New York

County Name One Family Two Family Three Family Four Family
Albany County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Allegany County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Bronx County One Family$822,375 Two Family$1,053,000 Three Family$1,272,750 Four Family$1,581,750
Broome County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Cattaraugus County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Cayuga County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Chautauqua County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Chemung County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Chenango County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Clinton County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Columbia County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Cortland County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Delaware County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Dutchess County One Family$726,525 Two Family$930,300 Three Family$1,124,475 Four Family$1,397,400
Erie County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Essex County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Franklin County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Fulton County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Genesee County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Greene County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Hamilton County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Herkimer County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Jefferson County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Kings County One Family$822,375 Two Family$1,053,000 Three Family$1,272,750 Four Family$1,581,750
Lewis County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Livingston County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Madison County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Monroe County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Montgomery County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Nassau County One Family$822,375 Two Family$1,053,000 Three Family$1,272,750 Four Family$1,581,750
New York County One Family$822,375 Two Family$1,053,000 Three Family$1,272,750 Four Family$1,581,750
Niagara County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Oneida County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Onondaga County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Ontario County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Orange County One Family$726,525 Two Family$930,300 Three Family$1,124,475 Four Family$1,397,400
Orleans County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Oswego County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Otsego County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Putnam County One Family$822,375 Two Family$1,053,000 Three Family$1,272,750 Four Family$1,581,750
Queens County One Family$822,375 Two Family$1,053,000 Three Family$1,272,750 Four Family$1,581,750
Rensselaer County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Richmond County One Family$822,375 Two Family$1,053,000 Three Family$1,272,750 Four Family$1,581,750
Rockland County One Family$822,375 Two Family$1,053,000 Three Family$1,272,750 Four Family$1,581,750
Saratoga County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Schenectady County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Schoharie County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Schuyler County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Seneca County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
St. Lawrence County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Steuben County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Suffolk County One Family$822,375 Two Family$1,053,000 Three Family$1,272,750 Four Family$1,581,750
Sullivan County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Tioga County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Tompkins County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Ulster County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Warren County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Washington County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Wayne County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Westchester County One Family$822,375 Two Family$1,053,000 Three Family$1,272,750 Four Family$1,581,750
Wyoming County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
Yates County One Family$548,250 Two Family$702,000 Three Family$848,500 Four Family$1,054,500
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