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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 | 6.934%APR 6.971% | 0 pts$0 | $2,048/moP&I $2,048 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.950%APR 6.720% | 0 pts$0 | $2,025/moP&I $1,880 · MI $145 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.061%APR 6.114% | 0 pts$0 | $1,870/moP&I $1,870 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.786%APR 6.825% | 0 pts$0 | $2,017/moP&I $2,017 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.686% | 0 pts$0 | $2,193/moP&I $2,193 · 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 | 6.061% | 6.114% | 0 pts ($0) | $2,625/mo | $52,776 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.165% | 6.223% | 0 pts ($0) | $3,304/mo | $74,691 |
Condo 10% Down | 10% | 720 credit score | 7.254% | 7.426% | 0 pts ($0) | $2,379/mo | $83,653 |
Conventional 10% Down | 10% | 720 credit score | 6.760% | 6.920% | 0 pts ($0) | $2,264/mo | $78,461 |
Conventional 20% Down | 20% | 740 credit score | 6.934% | 6.971% | 0 pts ($0) | $2,048/mo | $63,465 |
Conventional 5% Down | 5% | 700 credit score | 7.061% | 7.543% | 0 pts ($0) | $2,464/mo | $86,158 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.374% | 7.414% | 0 pts ($0) | $2,675/mo | $92,026 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,292/mo | $77,672 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.826% | 7.204% | 0 pts ($0) | $2,456/mo | $88,693 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.786% | 6.825% | 0 pts ($0) | $2,522/mo | $85,158 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,197/mo | $76,216 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.950% | 6.720% | 0 pts ($0) | $2,268/mo | $79,449 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,347/mo | $82,165 |
FHA Streamline Refi | 0% | 640 credit score | 6.069% | 6.841% | 0 pts ($0) | $2,381/mo | $83,740 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.018% | 7.263% | 0 pts ($0) | $2,453/mo | $88,994 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,424/mo | $47,451 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.686% | 0 pts ($0) | $2,056/mo | $65,555 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,088/mo | $65,250 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,253/mo | $69,067 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.310% | 7.086% | 0 pts ($0) | $2,357/mo | $83,566 |
Second Home 10% Down | 10% | 720 credit score | 5.955% | 6.529% | 0 pts ($0) | $2,080/mo | $70,017 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,038/mo | $62,999 |
VA 0% Down | 0% | 700 credit score | 6.072% | 6.317% | 0 pts ($0) | $2,391/mo | $79,099 |
VA Cash-Out Refi | 0% | 640 credit score | 6.075% | 6.445% | 0 pts ($0) | $2,392/mo | $79,135 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.082% | 6.236% | 0 pts ($0) | $2,393/mo | $79,218 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,132/mo | $67,437 |
Frequently Asked Questions
What are today's mortgage rates in 12808, , NY across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 12808, , NY is 6.934% (with an estimated monthly payment of $1,941). Active program rates also include FHA 30-year fixed loans at 5.950% and VA 0%-down fixed loans at 6.072%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 12808, , 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 12808, , NY have fluctuated between a low of 6.579% and a high of 7.024%. 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 12808, , NY?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $387,383 in 12808, , NY, a standard 20%-down Conventional loan requires an upfront cash down payment of $77,477 but keeps your monthly payment lower at $1,941/mo (at 6.934% interest) with no monthly PMI. In comparison, an FHA loan requires only $13,558 (3.5% down) but has an estimated payment of $2,150/mo (at 5.950% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $373,825 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 12808 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 12808 is $806,501. With a typical local home value of $387,383 in , a standard 20%-down mortgage requires a loan size of $309,906. 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 12808, , NY impact estimated mortgage payments?
The median home value in 12808, , NY is estimated at $387,383. Buying a typical home here with a standard 20% down payment ($77,477) translates to an estimated starting monthly mortgage payment of $1,941 (principal and interest). Compared to the local area median household income of $81,635 ($6,803/mo), this basic housing payment represents approximately 28.5% 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.