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Mortgage Rates

Mortgage Rates(2)

Product(3) Term Rate APR(1) Points Monthly Payments per $1,000(6)
Product(3) :
15 Year Fixed Conforming * 		Term :
15 Years 		Rate :
3.250% 		APR(1) :
3.322% 		Points :
0 		Monthly Payments per $1,000(6):
$7.03
Product(3) :
15 Year Fixed High Balance ** 		Term :
15 Years 		Rate :
3.500% 		APR(1) :
3.575% 		Points :
0 		Monthly Payments per $1,000(6):
$7.15
Product(3) :
20 Year Fixed Conforming* 		Term :
20 Years 		Rate :
3.500%		APR(1) :
3.558%		Points :
0 		Monthly Payments per $1,000(6):
$5.80
Product(3) :
20 Year Fixed High Balance ** 		Term :
20 Years 		Rate :
3.750%		APR(1) :
3.811%		Points :
0 		Monthly Payments per $1,000(6):
$5.93
Product(3) :
30 Year Fixed Conforming* 		Term :
30 Years 		Rate :
3.625%		APR(1) :
3.668%		Points :
0 		Monthly Payments per $1,000(6):
$4.56
Product(3) :
30 Year Fixed High Balance ** 		Term :
30 Years 		Rate :
3.875%		APR(1) :
3.920%		Points :
0 		Monthly Payments per $1,000(6):
$4.70
Product(3) :
7/1 Adjustable Rate (4) * 		Term :
30 Years 		Rate :
3.375%		APR(1) :
3.816%		Points :
0 		Monthly Payments per $1,000(6):
$4.42
Product(3) :
10/1 Adjustable Rate (5) * 		Term :
30 Years 		Rate :
3.500%		APR(1) :
3.785%		Points :
0 		Monthly Payments per $1,000(6):
$4.49
Product(3) :
7/1 Adjustable Rate High Balance ** 		Term :
30 Years 		Rate :
3.625%		APR(1) :
3.934%		Points :
0 		Monthly Payments per $1,000(6):
$4.56
Product(3) :
10/1 Adjustable Rate High Balance ** 		Term :
30 Years 		Rate :
3.750%		APR(1) :
3.939%		Points :
0 		Monthly Payments per $1,000(6):
$4.63

*Loan Amounts up to $510,400

** Loan Amounts up to $726,525 in Dutchess and Orange Counties.  Loan amounts up to $765,600 in Putnam, Rockland and Westchester counties.

(1) APR = Annual Percentage Rate

(2) Rates quoted are subject to change anytime

(3) Products listed above are for conforming mortgages. Call for Jumbo & non-conforming rates. Mortgage interest rates shown are for one to four family owner occupied primary residences with a combined loan to value of 80.00% or less and a representative credit score of 680 or higher. Other loan programs available at competitive interest rates and fees may be available.

(4) Interest rates are fixed for the first seven years, adjusts annually thereafter.

(5) Interest rates are fixed for the first ten years, adjusts annually thereafter.

(6) Monthly payment shown above does not include amount for monthly real estate tax and insurance premiums (if applicable) which will make monthly payment obligation higher.

Loan Rates Effective 1/08/2020
NMLS Institution ID#: 1790987