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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 | 6.870%APR 6.905% | 0 pts$0 | $2,706/moP&I $2,706 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.004%APR 6.773% | 0 pts$0 | $2,707/moP&I $2,515 · MI $192 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.949%APR 5.998% | 0 pts$0 | $2,457/moP&I $2,457 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.902%APR 6.938% | 0 pts$0 | $2,715/moP&I $2,715 · MI $0 | See details |
| Investment Property FixedConforming | 7.583%APR 7.623% | 0 pts$0 | $2,905/moP&I $2,905 · 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 | 5.949% | 5.998% | 0 pts ($0) | $3,467/mo | $68,848 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.904% | 5.953% | 0 pts ($0) | $4,321/mo | $95,436 |
Condo 10% Down | 10% | 720 credit score | 7.102% | 7.269% | 0 pts ($0) | $3,117/mo | $109,123 |
Conventional 10% Down | 10% | 720 credit score | 6.566% | 6.721% | 0 pts ($0) | $2,951/mo | $101,635 |
Conventional 20% Down | 20% | 740 credit score | 6.870% | 6.905% | 0 pts ($0) | $2,706/mo | $83,606 |
Conventional 5% Down | 5% | 700 credit score | 6.990% | 7.467% | 0 pts ($0) | $3,253/mo | $113,533 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.314% | 7.352% | 0 pts ($0) | $3,537/mo | $121,450 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,049/mo | $103,294 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.778% | 7.152% | 0 pts ($0) | $3,250/mo | $117,228 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.902% | 6.938% | 0 pts ($0) | $3,394/mo | $115,051 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $4,251/mo | $101,358 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.004% | 6.773% | 0 pts ($0) | $3,034/mo | $106,479 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,121/mo | $109,269 |
FHA Streamline Refi | 0% | 640 credit score | 6.159% | 6.931% | 0 pts ($0) | $3,197/mo | $112,783 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.963% | 7.206% | 0 pts ($0) | $3,244/mo | $117,539 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $3,223/mo | $63,104 |
Investment Property 25% Down | 25% | 740 credit score | 7.583% | 7.623% | 0 pts ($0) | $2,724/mo | $86,690 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,777/mo | $86,774 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,996/mo | $91,850 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.377% | 7.152% | 0 pts ($0) | $3,156/mo | $112,152 |
Second Home 10% Down | 10% | 720 credit score | 6.027% | 6.601% | 0 pts ($0) | $2,788/mo | $94,117 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,710/mo | $83,780 |
VA 0% Down | 0% | 700 credit score | 5.999% | 6.242% | 0 pts ($0) | $3,155/mo | $104,037 |
VA Cash-Out Refi | 0% | 640 credit score | 6.010% | 6.377% | 0 pts ($0) | $3,159/mo | $104,211 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.032% | 6.183% | 0 pts ($0) | $3,166/mo | $104,559 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,835/mo | $89,683 |
Frequently Asked Questions
What are today's mortgage rates in 10912, , NY across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 10912, , NY is 6.870% (with an estimated monthly payment of $2,557). Active program rates also include FHA 30-year fixed loans at 6.004% and VA 0%-down fixed loans at 5.999%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 10912, , 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 10912, , NY have fluctuated between a low of 6.491% and a high of 6.952%. 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 10912, , NY?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $515,172 in 10912, , NY, a standard 20%-down Conventional loan requires an upfront cash down payment of $103,034 but keeps your monthly payment lower at $2,557/mo (at 6.870% interest) with no monthly PMI. In comparison, an FHA loan requires only $18,031 (3.5% down) but has an estimated payment of $2,867/mo (at 6.004% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $497,141 falls comfortably within the local HUD FHA loan limit of $524,225 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 10912 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 10912 is $806,501. With a typical local home value of $515,172 in , a standard 20%-down mortgage requires a loan size of $412,138. 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 10912, , NY impact estimated mortgage payments?
The median home value in 10912, , NY is estimated at $515,172. Buying a typical home here with a standard 20% down payment ($103,034) translates to an estimated starting monthly mortgage payment of $2,557 (principal and interest). Compared to the local area median household income of $126,840 ($10,570/mo), this basic housing payment represents approximately 24.2% 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.