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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 | 6.849%APR 6.883% | 0 pts$0 | $2,758/moP&I $2,758 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.980%APR 6.748% | 0 pts$0 | $2,759/moP&I $2,562 · MI $196 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.910%APR 5.958% | 0 pts$0 | $2,499/moP&I $2,499 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.885%APR 6.920% | 0 pts$0 | $2,768/moP&I $2,768 · MI $0 | See details |
| Investment Property FixedConforming | 7.547%APR 7.586% | 0 pts$0 | $2,957/moP&I $2,957 · 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 | 5.910% | 5.958% | 0 pts ($0) | $3,531/mo | $69,838 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.872% | 5.920% | 0 pts ($0) | $4,404/mo | $96,979 |
Condo 10% Down | 10% | 720 credit score | 7.065% | 7.230% | 0 pts ($0) | $3,171/mo | $110,917 |
Conventional 10% Down | 10% | 720 credit score | 6.540% | 6.693% | 0 pts ($0) | $3,005/mo | $103,427 |
Conventional 20% Down | 20% | 740 credit score | 6.849% | 6.883% | 0 pts ($0) | $2,758/mo | $85,119 |
Conventional 5% Down | 5% | 700 credit score | 6.972% | 7.448% | 0 pts ($0) | $3,316/mo | $115,677 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.292% | 7.329% | 0 pts ($0) | $3,604/mo | $123,686 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,114/mo | $105,492 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.752% | 7.125% | 0 pts ($0) | $3,311/mo | $119,323 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.885% | 6.920% | 0 pts ($0) | $3,460/mo | $117,229 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $4,342/mo | $103,515 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.980% | 6.748% | 0 pts ($0) | $3,091/mo | $108,372 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,188/mo | $111,595 |
FHA Streamline Refi | 0% | 640 credit score | 6.110% | 6.880% | 0 pts ($0) | $3,248/mo | $114,394 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.946% | 7.188% | 0 pts ($0) | $3,307/mo | $119,784 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $3,292/mo | $64,446 |
Investment Property 25% Down | 25% | 740 credit score | 7.547% | 7.586% | 0 pts ($0) | $2,772/mo | $88,106 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,836/mo | $88,621 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $3,059/mo | $93,805 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.350% | 7.124% | 0 pts ($0) | $3,214/mo | $114,119 |
Second Home 10% Down | 10% | 720 credit score | 5.995% | 6.567% | 0 pts ($0) | $2,837/mo | $95,665 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,768/mo | $85,563 |
VA 0% Down | 0% | 700 credit score | 5.977% | 6.219% | 0 pts ($0) | $3,214/mo | $105,896 |
VA Cash-Out Refi | 0% | 640 credit score | 5.984% | 6.349% | 0 pts ($0) | $3,217/mo | $106,009 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.999% | 6.149% | 0 pts ($0) | $3,222/mo | $106,251 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,895/mo | $91,591 |
Frequently Asked Questions
What are today's mortgage rates in 10915, , NY across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 10915, , NY is 6.849% (with an estimated monthly payment of $2,874). Active program rates also include FHA 30-year fixed loans at 5.980% and VA 0%-down fixed loans at 5.977%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 10915, , 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 10915, , NY have fluctuated between a low of 6.470% and a high of 6.931%. 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 10915, , NY?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $526,134 in 10915, , NY, a standard 20%-down Conventional loan requires an upfront cash down payment of $105,227 but keeps your monthly payment lower at $2,874/mo (at 6.849% interest) with no monthly PMI. In comparison, an FHA loan requires only $18,415 (3.5% down) but has an estimated payment of $3,221/mo (at 5.980% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $507,719 falls comfortably within the local HUD FHA loan limit of $541,287 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 10915 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 10915 is $806,501. With a typical local home value of $526,134 in , a standard 20%-down mortgage requires a loan size of $420,907. 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 10915, , NY impact estimated mortgage payments?
The median home value in 10915, , NY is estimated at $526,134. Buying a typical home here with a standard 20% down payment ($105,227) translates to an estimated starting monthly mortgage payment of $2,874 (principal and interest). Compared to the local area median household income of $142,480 ($11,873/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.