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Dodge monthly mortgage insurance premiums (PMI) completely and secure the standard conventional baseline.
Explore programs requiring as little as 3% down conventional or 3.5% FHA, helping you buy sooner.
Optimize your existing debt service, lower your interest rate, or secure cash-out equity restructure.
Department of Veterans Affairs purchase loans offering 0% down payment and no monthly PMI for military.
Lock in lower interest rates with a 15-year fixed loan term to build massive equity quickly.
Finance non-owner occupied rental acquisitions or multi-unit house hacking with competitive investor pricing.
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Current Local Mortgage Rates
Sorted by lowest conforming purchase rate
Requires veteran or military eligibility
Loan amount is under conforming limits
| Loan Program | Today's Rate / APR | Points | Est. Payment | Action |
|---|---|---|---|---|
| Conventional 30-Yr FixedConforming | 6.808%APR 6.841% | 0 pts$0 | $2,865/moP&I $2,865 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.927%APR 6.693% | 0 pts$0 | $2,863/moP&I $2,658 · MI $205 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.851%APR 5.897% | 0 pts$0 | $2,591/moP&I $2,591 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.776%APR 6.809% | 0 pts$0 | $2,856/moP&I $2,856 · MI $0 | See details |
| Investment Property FixedConforming | 7.486%APR 7.524% | 0 pts$0 | $3,066/moP&I $3,066 · MI $0 | See details |
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Compare all 26 pre-computed scenario benchmarks
Scenario Program | Down Pct | Credit score | Today's Rate | APR | Points | P&I Payment | 3-Yr Metric Cost |
|---|---|---|---|---|---|---|---|
15-Year Conforming Purchase | 20% | 740 credit score | 5.851% | 5.897% | 0 pts ($0) | $3,670/mo | $72,115 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.844% | 5.890% | 0 pts ($0) | $4,586/mo | $100,736 |
Condo 10% Down | 10% | 720 credit score | 6.996% | 7.159% | 0 pts ($0) | $3,286/mo | $114,694 |
Conventional 10% Down | 10% | 720 credit score | 6.495% | 6.646% | 0 pts ($0) | $3,121/mo | $107,238 |
Conventional 20% Down | 20% | 740 credit score | 6.808% | 6.841% | 0 pts ($0) | $2,865/mo | $88,264 |
Conventional 5% Down | 5% | 700 credit score | 6.937% | 7.409% | 0 pts ($0) | $3,447/mo | $120,139 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.247% | 7.283% | 0 pts ($0) | $3,744/mo | $128,299 |
Conventional High Balance | 10% | 740 credit score | 7.001% | 7.034% | 0 pts ($0) | $3,287/mo | $111,804 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.622% | 6.990% | 0 pts ($0) | $3,408/mo | $122,407 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.776% | 6.809% | 0 pts ($0) | $3,570/mo | $120,505 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $4,530/mo | $107,999 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.927% | 6.693% | 0 pts ($0) | $3,206/mo | $112,208 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,326/mo | $116,429 |
FHA Streamline Refi | 0% | 640 credit score | 6.039% | 6.807% | 0 pts ($0) | $3,363/mo | $118,158 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.910% | 7.150% | 0 pts ($0) | $3,438/mo | $124,408 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $3,434/mo | $67,238 |
Investment Property 25% Down | 25% | 740 credit score | 7.486% | 7.524% | 0 pts ($0) | $2,875/mo | $91,165 |
Jumbo Conforming | 20% | 760 credit score | 7.003% | 7.035% | 0 pts ($0) | $2,923/mo | $90,845 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $3,192/mo | $97,869 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.280% | 7.052% | 0 pts ($0) | $3,329/mo | $117,928 |
Second Home 10% Down | 10% | 720 credit score | 5.938% | 6.508% | 0 pts ($0) | $2,942/mo | $98,963 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,887/mo | $89,270 |
VA 0% Down | 0% | 700 credit score | 5.926% | 6.166% | 0 pts ($0) | $3,335/mo | $109,624 |
VA Cash-Out Refi | 0% | 640 credit score | 5.931% | 6.294% | 0 pts ($0) | $3,337/mo | $109,709 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.942% | 6.090% | 0 pts ($0) | $3,341/mo | $109,894 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $3,021/mo | $95,559 |
Frequently Asked Questions
What are today's mortgage rates in 10517, , NY across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 10517, , NY is 6.808% (with an estimated monthly payment of $3,855). Active program rates also include FHA 30-year fixed loans at 5.927% and VA 0%-down fixed loans at 5.926%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 10517, , NY?
Mortgage rates have shown typical daily fluctuations driven by inflation data and bond yields. Over the past 90 days, conventional 30-year fixed rates in 10517, , NY have fluctuated between a low of 6.427% and a high of 6.888%. You can track these daily movements by using the 90-day rate history and trajectory chart featured on this page.
Is an FHA or Conventional loan more cost-effective in 10517, , NY?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $548,928 in 10517, , NY, a standard 20%-down Conventional loan requires an upfront cash down payment of $109,786 but keeps your monthly payment lower at $3,855/mo (at 6.808% interest) with no monthly PMI. In comparison, an FHA loan requires only $19,212 (3.5% down) but has an estimated payment of $4,314/mo (at 5.927% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $529,716 exceeds the local HUD FHA limit of $524,225 for a 1-unit property, meaning entry-level buyers here will likely require conventional financing or a larger down payment to comply with government limits.
What is the maximum conforming loan limit in 10517 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 10517 is $806,501. With a typical local home value of $548,928 in , a standard 20%-down mortgage requires a loan size of $439,142. Because this is within the $806,501 conforming threshold, buyers can easily qualify for standard conforming conventional financing with competitive rates.
How does the median home value in 10517, , NY impact estimated mortgage payments?
The median home value in 10517, , NY is estimated at $548,928. Buying a typical home here with a standard 20% down payment ($109,786) translates to an estimated starting monthly mortgage payment of $3,855 (principal and interest). Compared to the local area median household income of $124,167 ($10,347/mo), this basic housing payment represents approximately 37.3% of gross monthly household income. Because this housing cost exceeds the standard 36% lender DTI guideline, buyers in this high-value area may need larger down payments, lower debt balances, or co-borrower income to qualify.