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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 | 6.875%APR 6.910% | 0 pts$0 | $2,277/moP&I $2,277 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.014%APR 6.783% | 0 pts$0 | $2,280/moP&I $2,118 · MI $162 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.960%APR 6.010% | 0 pts$0 | $2,069/moP&I $2,069 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.834%APR 6.870% | 0 pts$0 | $2,268/moP&I $2,268 · MI $0 | See details |
| Investment Property FixedConforming | 7.594%APR 7.635% | 0 pts$0 | $2,446/moP&I $2,446 · 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 | 5.960% | 6.010% | 0 pts ($0) | $2,918/mo | $58,018 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.931% | 5.981% | 0 pts ($0) | $3,640/mo | $80,609 |
Condo 10% Down | 10% | 720 credit score | 7.113% | 7.280% | 0 pts ($0) | $2,624/mo | $91,912 |
Conventional 10% Down | 10% | 720 credit score | 6.574% | 6.729% | 0 pts ($0) | $2,484/mo | $85,578 |
Conventional 20% Down | 20% | 740 credit score | 6.875% | 6.910% | 0 pts ($0) | $2,277/mo | $70,373 |
Conventional 5% Down | 5% | 700 credit score | 6.995% | 7.472% | 0 pts ($0) | $2,737/mo | $95,554 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.321% | 7.359% | 0 pts ($0) | $2,977/mo | $102,243 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,564/mo | $86,880 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.785% | 7.160% | 0 pts ($0) | $2,736/mo | $98,688 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.834% | 6.870% | 0 pts ($0) | $2,835/mo | $95,881 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,576/mo | $85,251 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.014% | 6.783% | 0 pts ($0) | $2,555/mo | $89,686 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,625/mo | $91,906 |
FHA Streamline Refi | 0% | 640 credit score | 6.180% | 6.952% | 0 pts ($0) | $2,695/mo | $95,139 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.969% | 7.213% | 0 pts ($0) | $2,730/mo | $98,936 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,711/mo | $53,076 |
Investment Property 25% Down | 25% | 740 credit score | 7.594% | 7.635% | 0 pts ($0) | $2,293/mo | $73,022 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,335/mo | $72,985 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,520/mo | $77,255 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.386% | 7.162% | 0 pts ($0) | $2,657/mo | $94,446 |
Second Home 10% Down | 10% | 720 credit score | 6.038% | 6.612% | 0 pts ($0) | $2,348/mo | $79,290 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,279/mo | $70,467 |
VA 0% Down | 0% | 700 credit score | 6.009% | 6.252% | 0 pts ($0) | $2,656/mo | $87,638 |
VA Cash-Out Refi | 0% | 640 credit score | 6.020% | 6.387% | 0 pts ($0) | $2,659/mo | $87,784 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.043% | 6.195% | 0 pts ($0) | $2,666/mo | $88,090 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,384/mo | $75,432 |
Frequently Asked Questions
What are today's mortgage rates in 12833, , NY across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 12833, , NY is 6.875% (with an estimated monthly payment of $2,476). Active program rates also include FHA 30-year fixed loans at 6.014% and VA 0%-down fixed loans at 6.009%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 12833, , 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 12833, , NY have fluctuated between a low of 6.497% and a high of 6.958%. 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 12833, , NY?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $433,308 in 12833, , NY, a standard 20%-down Conventional loan requires an upfront cash down payment of $86,662 but keeps your monthly payment lower at $2,476/mo (at 6.875% interest) with no monthly PMI. In comparison, an FHA loan requires only $15,166 (3.5% down) but has an estimated payment of $2,778/mo (at 6.014% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $418,142 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 12833 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 12833 is $806,501. With a typical local home value of $433,308 in , a standard 20%-down mortgage requires a loan size of $346,646. 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 12833, , NY impact estimated mortgage payments?
The median home value in 12833, , NY is estimated at $433,308. Buying a typical home here with a standard 20% down payment ($86,662) translates to an estimated starting monthly mortgage payment of $2,476 (principal and interest). Compared to the local area median household income of $86,661 ($7,222/mo), this basic housing payment represents approximately 34.3% 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.