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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 | 6.927%APR 6.964% | 0 pts$0 | $1,748/moP&I $1,748 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.948%APR 6.718% | 0 pts$0 | $1,729/moP&I $1,606 · MI $123 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.047%APR 6.100% | 0 pts$0 | $1,595/moP&I $1,595 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.953%APR 6.991% | 0 pts$0 | $1,753/moP&I $1,753 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.683% | 0 pts$0 | $1,873/moP&I $1,873 · 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 | 6.047% | 6.100% | 0 pts ($0) | $2,240/mo | $44,968 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.999% | 6.052% | 0 pts ($0) | $2,792/mo | $62,202 |
Condo 10% Down | 10% | 720 credit score | 7.249% | 7.421% | 0 pts ($0) | $2,031/mo | $71,403 |
Conventional 10% Down | 10% | 720 credit score | 6.754% | 6.914% | 0 pts ($0) | $1,932/mo | $66,960 |
Conventional 20% Down | 20% | 740 credit score | 6.927% | 6.964% | 0 pts ($0) | $1,748/mo | $54,150 |
Conventional 5% Down | 5% | 700 credit score | 7.051% | 7.532% | 0 pts ($0) | $2,102/mo | $73,493 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.371% | 7.411% | 0 pts ($0) | $2,284/mo | $78,569 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,958/mo | $66,339 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.824% | 7.202% | 0 pts ($0) | $2,097/mo | $75,733 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.953% | 6.991% | 0 pts ($0) | $2,191/mo | $74,398 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,730/mo | $65,096 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.948% | 6.718% | 0 pts ($0) | $1,937/mo | $67,838 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,005/mo | $70,177 |
FHA Streamline Refi | 0% | 640 credit score | 6.067% | 6.838% | 0 pts ($0) | $2,033/mo | $71,502 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.008% | 7.253% | 0 pts ($0) | $2,093/mo | $75,914 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,070/mo | $40,527 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.683% | 0 pts ($0) | $1,756/mo | $55,990 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,783/mo | $55,730 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,924/mo | $58,990 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.307% | 7.083% | 0 pts ($0) | $2,012/mo | $71,344 |
Second Home 10% Down | 10% | 720 credit score | 5.952% | 6.525% | 0 pts ($0) | $1,776/mo | $59,775 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,740/mo | $53,807 |
VA 0% Down | 0% | 700 credit score | 6.069% | 6.314% | 0 pts ($0) | $2,041/mo | $67,528 |
VA Cash-Out Refi | 0% | 640 credit score | 6.072% | 6.442% | 0 pts ($0) | $2,042/mo | $67,558 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.079% | 6.232% | 0 pts ($0) | $2,044/mo | $67,629 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,821/mo | $57,598 |
Frequently Asked Questions
What are today's mortgage rates in 12474, , NY across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 12474, , NY is 6.927% (with an estimated monthly payment of $1,998). Active program rates also include FHA 30-year fixed loans at 5.948% and VA 0%-down fixed loans at 6.069%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 12474, , 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 12474, , NY have fluctuated between a low of 6.568% and a high of 7.009%. 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 12474, , NY?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $330,862 in 12474, , NY, a standard 20%-down Conventional loan requires an upfront cash down payment of $66,172 but keeps your monthly payment lower at $1,998/mo (at 6.927% interest) with no monthly PMI. In comparison, an FHA loan requires only $11,580 (3.5% down) but has an estimated payment of $2,213/mo (at 5.948% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $319,282 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 12474 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 12474 is $806,501. With a typical local home value of $330,862 in , a standard 20%-down mortgage requires a loan size of $264,690. 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 12474, , NY impact estimated mortgage payments?
The median home value in 12474, , NY is estimated at $330,862. Buying a typical home here with a standard 20% down payment ($66,172) translates to an estimated starting monthly mortgage payment of $1,998 (principal and interest). Compared to the local area median household income of $58,042 ($4,837/mo), this basic housing payment represents approximately 41.3% 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.