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New York Fixed Mortgage Rates

img New York Average img National High img National Low img
Loan Type Base Rate APY Points Base Rate APY Points Base Rate APY Points
6.125 6.250 1.000 6.500 6.375 0.125 3.875 4.125 2.125
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No SSN Required

4.625 4.749 1.125 6.625 6.500 0.000 3.750 4.000 2.125
4.750 5.000 1.000 6.125 6.125 0.125 3.375 3.750 2.125
4.125 4.250 0.125 6.000 6.125 0.000 3.250 3.750 2.000

New York Adjustable Mortgage Rates

img New York Average img National High img National Low img
Loan Type Base Rate APY Points Base Rate APY Points Base Rate APY Points
4.125 3.950 2.125 4.750 4.177 0.000 3.625 3.733 3.250
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No SSN Required

3.875 3.500 0.500 7.000 4.875 0.000 2.750 0.750 3.101
3.500 3.372 1.125 6.500 4.500 0.000 2.375 3.125 2.375
4.000 3.125 1.000 6.125 4.125 0.125 2.500 3.250 1.125
3.875 3.000 1.000 8.000 3.625 2.000 2.375 3.000 0.125
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Mortgage Rates at 4.25%*

  • $150,000 loan for under $867/month
  • $225,000 loan for under $1,301/month
  • $350,000 loan for under $2,023/month
 

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National vs New York 10/1 ARM Mortgage Monthly Payments

Loan Amount img New York Average img National High img National Low img  
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No SSN Required

$726.97                      $782.47                      $684.08                     
$823.90                      $886.80                      $775.29                     
$1,987.06                      $2,138.75                      $1,869.81                     

National vs New York 30-yr. fixed Mortgage Monthly Payments

Loan Amount img New York Average img National High img National Low img  
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No SSN Required

$771.21                      $960.47                      $694.67                     
$874.04                      $1,088.53                      $787.30                     
$2,107.97                      $2,625.27                      $1,898.77                     

National vs New York 15-yr. fixed Mortgage Monthly Payments

Loan Amount img New York Average img National High img National Low img  
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No SSN Required

$1,118.95                      $1,265.79                      $1,054.00                     
$1,268.14                      $1,434.56                      $1,194.54                     
$3,058.47                      $3,459.81                      $2,880.94                     

National vs New York 5/1 ARM Mortgage Monthly Payments

Loan Amount img New York Average img National High img National Low img  
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No SSN Required

$673.57                      $948.10                      $582.98                     
$763.38                      $1,074.52                      $660.71                     
$1,841.08                      $2,591.48                      $1,593.48                     

National vs New York 3/1 ARM Mortgage Monthly Payments

Loan Amount img New York Average img National High img National Low img  
Calculate New Payment

No SSN Required

$716.12                      $911.42                      $592.68                     
$811.61                      $1,032.94                      $671.71                     
$1,957.40                      $2,491.20                      $1,620.00                     

National vs New York 1-yr. ARM Mortgage Monthly Payments

Loan Amount img New York Average img National High img National Low img  
Calculate New Payment

No SSN Required

$705.36                      $1,100.65                      $582.98                     
$799.40                      $1,247.40                      $660.71                     
$1,927.97                      $3,008.43                      $1,593.48                     
Source: Department of Housing Preservation & Development - Mar 31, 2009

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Average Rates

15-yr fixed*

4.125%

30-yr fixed*

4.625%

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HES' Housing Education Program (HEP) offers a wide spectrum of introductory, certificate and advanced courses in building management and systems maintenance, including:

  • Introduction to Residential Property Management Series: Courses on building management, finance, and tenant relations, and building systems
  • Intermediate and Advanced Residential Property Management and Maintenance Series: Courses on management techniques, maintenance of building and physical plants, property laws procedures, ethics, fair housing, building finance
  • Specialized Education Courses: Courses on anti-abandonment, building maintenance for youth, small residential property owners, and owner compliance with lead paint laws
  • Seminars: Courses on water and energy conservation, maintaining heat and hot water, and environmental health issues
  • Environmental Protection Agency (EPA) Lead Paint Certified Courses: Lead safe work practices, lead based paint abatement worker and supervisor, lead paint inspector and risk assessor
Home Repairs: New York

The programs and resources listed below help homeowners with home repairs and improvements.

  • Housing counseling
  • New York affiliates of Habitat for Humanity - through volunteer labor, builds and rehabilitates houses for families in need
  • USDA Rural Development local office - home improvement loans and grants to low-income homeowners in rural areas
  • New York Attorney General's Fact Sheet on Home Improvement
  • Remodel New York Program (SONYMA)
  • Consumer Tool Kit to Home Improvement
  • NY Building and Sustaining Homeownership – Home Maintenance Series
  • Emergency Home Repair Program for the Elderly (RESTORE)
  • Citizens' Guide to Home Safety
  • New York Better Business Bureau
  • New York State weatherization assistance providers
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MortgageDebt.com is not a banker or lender (“Service Provider”). Leading Service Providers participate in our matching engine who may have loan products available matching the criteria you submit in this interest profile. The information collected is not an application for credit or a mortgage loan, nor is it used to pre-qualify you with any Service Provider. There is no cost to submit a loan request, get matched with lenders and receive loan offers. You may review the loan offers and talk to the lenders at no cost. Of course, the lender you choose may require a fee to continue processing your loan request, but until you agree to pay the lender a fee, you may stop at no cost. MortgageDebt.com does not charge you, the consumer, a fee for its services. MortgageDebt.com is not responsible for the accuracy of the rate, APR and loan information as it based on third-party research, consumer and broker surveys and other published information sources.

*Mortgage Rate of 4.25% is for qualified borrowers for a 10-year fixed rate mortgage to refinance an owner-occupied, one-unit, single family dwelling for a loan of $165,000 to $417,000 ($165,000 to $625,500 in Alaska and Hawaii). If you are contacted by a lender or broker advertising within our network, your quoted rate may be higher, depending on your property location, credit score, loan-to-value ratio, debt-to-income ratio, and other factors. Not available in all states. Not available for all credit types. Not all service providers in our network offer this or other products with fixed rate options.

**This advertised rate is for qualified borrowers for to refinance an owner-occupied, one-unit, single family dwelling for a loan of $150,000, $225,000 or $350,000 with a interest only monthly payment of $867, $1301 or $2023. This is an interest only adjustable rate that is fixed for the first 12 months then is subject to increase no more than 1% every 6 months thereafter (until rate has caught up to fully indexed rate). To be eligible for this program borrower must meet applicable credit requirements, including a FICO score of at least 620. MortgageDebt.com is not acting as a lender or broker. The information provided by you to MortgageDebt.com is not an application for a mortgage loan, nor is it used to pre-qualify you with any lender. If you are contacted by a lender or broker advertising within our network, your quoted rate may be higher, depending on your property location, credit score, loan-to-value ratio, debt-to-income ratio, and other factors. Not available in all states. Not available for all credit types.

Last Updated: September 07, 2010