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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 | 6.801%APR 6.834% | 0 pts$0 | $4,555/moP&I $4,555 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.918%APR 6.890% | 0 pts$0 | $4,551/moP&I $4,225 · MI $326 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.844%APR 5.889% | 0 pts$0 | $4,119/moP&I $4,119 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.513%APR 6.544% | 0 pts$0 | $4,422/moP&I $4,422 · MI $0 | See details |
| Investment Property FixedConforming | 7.477%APR 7.514% | 0 pts$0 | $4,874/moP&I $4,874 · 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 | 5.844% | 5.889% | 0 pts ($0) | $5,837/mo | $114,596 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.843% | 5.889% | 0 pts ($0) | $7,296/mo | $160,250 |
Condo 10% Down | 10% | 720 credit score | 6.988% | 7.150% | 0 pts ($0) | $5,223/mo | $182,294 |
Conventional 10% Down | 10% | 720 credit score | 6.489% | 6.640% | 0 pts ($0) | $4,963/mo | $170,479 |
Conventional 20% Down | 20% | 740 credit score | 6.801% | 6.834% | 0 pts ($0) | $4,555/mo | $140,285 |
Conventional 5% Down | 5% | 700 credit score | 6.931% | 7.403% | 0 pts ($0) | $5,482/mo | $190,996 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.234% | 7.269% | 0 pts ($0) | $5,948/mo | $203,786 |
Conventional High Balance | 10% | 740 credit score | 7.001% | 7.034% | 0 pts ($0) | $5,230/mo | $177,885 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.597% | 6.964% | 0 pts ($0) | $5,409/mo | $194,117 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.513% | 6.544% | 0 pts ($0) | $5,528/mo | $184,812 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $7,207/mo | $171,831 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.918% | 6.890% | 0 pts ($0) | $5,096/mo | $178,296 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $5,291/mo | $185,244 |
FHA Streamline Refi | 0% | 640 credit score | 6.027% | 7.001% | 0 pts ($0) | $5,343/mo | $187,674 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.905% | 7.145% | 0 pts ($0) | $5,467/mo | $197,813 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $5,464/mo | $106,979 |
Investment Property 25% Down | 25% | 740 credit score | 7.477% | 7.514% | 0 pts ($0) | $4,570/mo | $144,869 |
Jumbo Conforming | 20% | 760 credit score | 7.003% | 7.035% | 0 pts ($0) | $4,650/mo | $144,538 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $5,078/mo | $155,713 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.268% | 7.246% | 0 pts ($0) | $5,290/mo | $187,319 |
Second Home 10% Down | 10% | 720 credit score | 5.928% | 6.497% | 0 pts ($0) | $4,676/mo | $157,218 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $4,594/mo | $142,032 |
VA 0% Down | 0% | 700 credit score | 5.917% | 6.156% | 0 pts ($0) | $5,301/mo | $174,176 |
VA Cash-Out Refi | 0% | 640 credit score | 5.922% | 6.284% | 0 pts ($0) | $5,304/mo | $174,310 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.933% | 6.081% | 0 pts ($0) | $5,310/mo | $174,605 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $4,806/mo | $152,039 |
Frequently Asked Questions
What are today's mortgage rates in 10706, Hastings-On-Hudson, NY across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 10706, Hastings-On-Hudson, NY is 6.801% (with an estimated monthly payment of $4,089). Active program rates also include FHA 30-year fixed loans at 5.918% and VA 0%-down fixed loans at 5.917%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 10706, Hastings-On-Hudson, 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 10706, Hastings-On-Hudson, NY have fluctuated between a low of 6.420% and a high of 6.881%. 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 10706, Hastings-On-Hudson, NY?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $873,367 in 10706, Hastings-On-Hudson, NY, a standard 20%-down Conventional loan requires an upfront cash down payment of $174,673 but keeps your monthly payment lower at $4,089/mo (at 6.801% interest) with no monthly PMI. In comparison, an FHA loan requires only $30,568 (3.5% down) but has an estimated payment of $4,575/mo (at 5.918% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $842,799 falls comfortably within the local HUD FHA loan limit of $1,004,372 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 10706 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 10706 is $806,501. With a typical local home value of $873,367 in Hastings-On-Hudson, a standard 20%-down mortgage requires a loan size of $698,694. 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 10706, Hastings-On-Hudson, NY impact estimated mortgage payments?
The median home value in 10706, Hastings-On-Hudson, NY is estimated at $873,367. Buying a typical home here with a standard 20% down payment ($174,673) translates to an estimated starting monthly mortgage payment of $4,089 (principal and interest). Compared to the local area median household income of $194,895 ($16,241/mo), this basic housing payment represents approximately 25.2% of gross monthly household income. This housing cost is well within standard lender affordability guidelines (under the 36% DTI benchmark), demonstrating healthy local purchasing power.