New York Mortgage Rates

February 27, 2015 10:17 AM Eastern

Refinance rates now in NEW YORK, NY [Change this]

30 Year Fixed Rates as low as

Interest Rate
3.625%
APR
3.800%
Monthly Payment
$913
Capital One
Interest Rate
3.625%
APR
3.800%
Monthly Payment
$913
(844) 326-5399 Contact
Capital One
Email Lender

Offer Details

Home Value $250,000
Requested Loan Amount $200,000
Lock Period 60 Days
Down Payment $50,000
Principal and Interest Payments $913
Estimated Mortgage Insurance Payments $0
Total Monthly Mortgage Payment $913
Lender Fees $4,262
Lender Credit $0
Total Closing Fees* $4,262
*Other 3rd party fees may apply
Capital One
Email Lender

About the Lender

You can expect better with Capital One. Whether you need help with refinancing, a new home purchase, debt consolidation, or financing home improvements, your idea of better likely starts with savings—we maximize your savings with competitive rates and lower than average closing costs. But savings is only the start. We also strive to provide a better loan process—one that’s totally clear right from the start, with no hidden fees or unexpected surprises along the way. You can expect better service too—you’ll have a responsive team of dedicated mortgage specialists assigned and available to you every day, each member trained to anticipate and able to take care of all your needs.
Capital One
Interest Rate
3.750%
APR
3.853%
Monthly Payment
$927
(844) 326-5399 Contact
Capital One
Email Lender

Offer Details

Home Value $250,000
Requested Loan Amount $200,000
Lock Period 60 Days
Down Payment $50,000
Principal and Interest Payments $927
Estimated Mortgage Insurance Payments $0
Total Monthly Mortgage Payment $927
Lender Fees $2,512
Lender Credit $0
Total Closing Fees* $2,512
*Other 3rd party fees may apply
Capital One
Email Lender

About the Lender

You can expect better with Capital One. Whether you need help with refinancing, a new home purchase, debt consolidation, or financing home improvements, your idea of better likely starts with savings—we maximize your savings with competitive rates and lower than average closing costs. But savings is only the start. We also strive to provide a better loan process—one that’s totally clear right from the start, with no hidden fees or unexpected surprises along the way. You can expect better service too—you’ll have a responsive team of dedicated mortgage specialists assigned and available to you every day, each member trained to anticipate and able to take care of all your needs.
Capital One
Interest Rate
3.875%
APR
3.938%
Monthly Payment
$941
(844) 326-5399 Contact
Capital One
Email Lender

Offer Details

Home Value $250,000
Requested Loan Amount $200,000
Lock Period 60 Days
Down Payment $50,000
Principal and Interest Payments $941
Estimated Mortgage Insurance Payments $0
Total Monthly Mortgage Payment $941
Lender Fees $1,512
Lender Credit $0
Total Closing Fees* $1,512
*Other 3rd party fees may apply
Capital One
Email Lender

About the Lender

You can expect better with Capital One. Whether you need help with refinancing, a new home purchase, debt consolidation, or financing home improvements, your idea of better likely starts with savings—we maximize your savings with competitive rates and lower than average closing costs. But savings is only the start. We also strive to provide a better loan process—one that’s totally clear right from the start, with no hidden fees or unexpected surprises along the way. You can expect better service too—you’ll have a responsive team of dedicated mortgage specialists assigned and available to you every day, each member trained to anticipate and able to take care of all your needs.

15 Year Fixed Rates as low as

Interest Rate
3.125%
APR
3.289%
Monthly Payment
$1,394
Capital One
Interest Rate
3.125%
APR
3.289%
Monthly Payment
$1,394
(844) 326-5399 Contact
Capital One
Email Lender

Offer Details

Home Value $250,000
Requested Loan Amount $200,000
Lock Period 60 Days
Down Payment $50,000
Principal and Interest Payments $1,394
Estimated Mortgage Insurance Payments $0
Total Monthly Mortgage Payment $1,394
Lender Fees $2,262
Lender Credit $0
Total Closing Fees* $2,262
*Other 3rd party fees may apply
Capital One
Email Lender

About the Lender

You can expect better with Capital One. Whether you need help with refinancing, a new home purchase, debt consolidation, or financing home improvements, your idea of better likely starts with savings—we maximize your savings with competitive rates and lower than average closing costs. But savings is only the start. We also strive to provide a better loan process—one that’s totally clear right from the start, with no hidden fees or unexpected surprises along the way. You can expect better service too—you’ll have a responsive team of dedicated mortgage specialists assigned and available to you every day, each member trained to anticipate and able to take care of all your needs.
Capital One
Interest Rate
3.250%
APR
3.378%
Monthly Payment
$1,406
(844) 326-5399 Contact
Capital One
Email Lender

Offer Details

Home Value $250,000
Requested Loan Amount $200,000
Lock Period 60 Days
Down Payment $50,000
Principal and Interest Payments $1,406
Estimated Mortgage Insurance Payments $0
Total Monthly Mortgage Payment $1,406
Lender Fees $1,762
Lender Credit $0
Total Closing Fees* $1,762
*Other 3rd party fees may apply
Capital One
Email Lender

About the Lender

You can expect better with Capital One. Whether you need help with refinancing, a new home purchase, debt consolidation, or financing home improvements, your idea of better likely starts with savings—we maximize your savings with competitive rates and lower than average closing costs. But savings is only the start. We also strive to provide a better loan process—one that’s totally clear right from the start, with no hidden fees or unexpected surprises along the way. You can expect better service too—you’ll have a responsive team of dedicated mortgage specialists assigned and available to you every day, each member trained to anticipate and able to take care of all your needs.
Capital One
Interest Rate
3.375%
APR
3.412%
Monthly Payment
$1,418
(844) 326-5399 Contact
Capital One
Email Lender

Offer Details

Home Value $250,000
Requested Loan Amount $200,000
Lock Period 60 Days
Down Payment $50,000
Principal and Interest Payments $1,418
Estimated Mortgage Insurance Payments $0
Total Monthly Mortgage Payment $1,418
Lender Fees $1,512
Lender Credit $1,000
Total Closing Fees* $512
*Other 3rd party fees may apply
Capital One
Email Lender

About the Lender

You can expect better with Capital One. Whether you need help with refinancing, a new home purchase, debt consolidation, or financing home improvements, your idea of better likely starts with savings—we maximize your savings with competitive rates and lower than average closing costs. But savings is only the start. We also strive to provide a better loan process—one that’s totally clear right from the start, with no hidden fees or unexpected surprises along the way. You can expect better service too—you’ll have a responsive team of dedicated mortgage specialists assigned and available to you every day, each member trained to anticipate and able to take care of all your needs.

5 Year ARM Rates as low as

Interest Rate
2.750%
APR
3.049%
Monthly Payment
$817
Capital One
Interest Rate
2.750%
APR
3.049%
Monthly Payment
$817
(844) 326-5399 Contact
Capital One
Email Lender

Offer Details

Home Value $250,000
Requested Loan Amount $200,000
Lock Period 60 Days
Down Payment $50,000
Principal and Interest Payments $817
Estimated Mortgage Insurance Payments $0
Total Monthly Mortgage Payment $817
Lender Fees $4,512
Lender Credit $0
Total Closing Fees* $4,512
*Other 3rd party fees may apply
Capital One
Email Lender

About the Lender

You can expect better with Capital One. Whether you need help with refinancing, a new home purchase, debt consolidation, or financing home improvements, your idea of better likely starts with savings—we maximize your savings with competitive rates and lower than average closing costs. But savings is only the start. We also strive to provide a better loan process—one that’s totally clear right from the start, with no hidden fees or unexpected surprises along the way. You can expect better service too—you’ll have a responsive team of dedicated mortgage specialists assigned and available to you every day, each member trained to anticipate and able to take care of all your needs.
Capital One
Interest Rate
2.875%
APR
3.055%
Monthly Payment
$830
(844) 326-5399 Contact
Capital One
Email Lender

Offer Details

Home Value $250,000
Requested Loan Amount $200,000
Lock Period 60 Days
Down Payment $50,000
Principal and Interest Payments $830
Estimated Mortgage Insurance Payments $0
Total Monthly Mortgage Payment $830
Lender Fees $3,762
Lender Credit $0
Total Closing Fees* $3,762
*Other 3rd party fees may apply
Capital One
Email Lender

About the Lender

You can expect better with Capital One. Whether you need help with refinancing, a new home purchase, debt consolidation, or financing home improvements, your idea of better likely starts with savings—we maximize your savings with competitive rates and lower than average closing costs. But savings is only the start. We also strive to provide a better loan process—one that’s totally clear right from the start, with no hidden fees or unexpected surprises along the way. You can expect better service too—you’ll have a responsive team of dedicated mortgage specialists assigned and available to you every day, each member trained to anticipate and able to take care of all your needs.
Capital One
Interest Rate
3.000%
APR
3.061%
Monthly Payment
$844
(844) 326-5399 Contact
Capital One
Email Lender

Offer Details

Home Value $250,000
Requested Loan Amount $200,000
Lock Period 60 Days
Down Payment $50,000
Principal and Interest Payments $844
Estimated Mortgage Insurance Payments $0
Total Monthly Mortgage Payment $844
Lender Fees $3,012
Lender Credit $0
Total Closing Fees* $3,012
*Other 3rd party fees may apply
Capital One
Email Lender

About the Lender

You can expect better with Capital One. Whether you need help with refinancing, a new home purchase, debt consolidation, or financing home improvements, your idea of better likely starts with savings—we maximize your savings with competitive rates and lower than average closing costs. But savings is only the start. We also strive to provide a better loan process—one that’s totally clear right from the start, with no hidden fees or unexpected surprises along the way. You can expect better service too—you’ll have a responsive team of dedicated mortgage specialists assigned and available to you every day, each member trained to anticipate and able to take care of all your needs.
Mortgage rate quotes displayed on LendingTree LoanExplorer℠, including loan pricing data, rates and fees, are provided by third party data providers including, but not limited to, Mortech®, a registered trademark of Zillow®, LoanXEngine, a product of Mortgage Builder Software, Inc., and LoanTek, Inc.

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Great New York Mortgage Rates for Purchasing NY Homes
More than 19 million people call the Empire State home. New York offers the bustling metropolis of New York city, as well as many wonderfully rural towns upstate, boasting beautiful scenery and some of the best skiing on the east coast. If you're considering buying a home in New York, you'll first want to look into current NY mortgage rates and adjust your budget accordingly.

During your search for the best New York mortgage interest rates, you'll also want to look into state-sponsored loans and other programs designed to help New Yorkers own their own homes. Programs are available statewide that can help potential homebuyers find the best NY mortgage rates, finance closing costs and learn more about the home buying process.

Low NY Mortgage Rates from the State of New York Mortgage Agency
The state of New York Mortgage Agency (SONYMA) was founded to help low-to-moderate income families in New York afford home ownership. Mortgage interest rates offered by SONYMA are competitively low for qualified homebuyers. Their primary program, aptly called the Low Interest Rate Program, helps first-time homebuyers obtain and secure low NY mortgage interest rates.

Other programs offered by SONYMA include:

• Achieving the Dream Program: This program offers low NY mortgage rates to first-time buyers in low income brackets and a low-percentage down payment of 3 percent, with only a certain portion needing to be paid in cash.

• Construction Incentive Program: This program offers up to 100 percent financing, meaning no down payment, for small newly-constructed homes.

• Homes for Veterans Program: This program offers veterans competitive NY mortgage rates and other financial incentives for purchasing a home.

SONYMA also offers closing cost assistance loans to New York Residents. For those who qualify, they may obtain a loan of up to a capped amount, or a low percentage of the SONYMA first mortgage amount.  There are no monthly payments, and the loan can be forgiven completely after 10 years.

NY Mortgage Rates for Low Income Residents
If you're a New York resident in a low-income bracket, home ownership options are still available to you. Using state-sponsored programs can help you find low NY mortgage interest rates to help you finance your home.

Other services offered by the state of New York include:

• down payment assistance
• help with closing costs
• low-income buyers assistance
• Section 8 vouchers

These incentives, together with the current New York mortgage rates, make it much easier to get a home in the Empire State and enjoy everything that New York has to offer.