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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 | 7.064%APR 7.109% | 0 pts$0 | $737/moP&I $737 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.105%APR 6.883% | 0 pts$0 | $730/moP&I $679 · MI $51 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.311%APR 6.377% | 0 pts$0 | $682/moP&I $682 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 7.183%APR 7.264% | 0 pts$0 | $745/moP&I $745 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.753% | 0 pts$0 | $779/moP&I $779 · 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 | 6.311% | 6.377% | 0 pts ($0) | $947/mo | $19,532 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.281% | 6.363% | 0 pts ($0) | $1,181/mo | $26,977 |
Condo 10% Down | 10% | 720 credit score | 7.387% | 7.569% | 0 pts ($0) | $856/mo | $30,192 |
Conventional 10% Down | 10% | 720 credit score | 6.852% | 7.020% | 0 pts ($0) | $811/mo | $28,195 |
Conventional 20% Down | 20% | 740 credit score | 7.064% | 7.109% | 0 pts ($0) | $737/mo | $22,960 |
Conventional 5% Down | 5% | 700 credit score | 7.133% | 7.624% | 0 pts ($0) | $881/mo | $30,868 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.500% | 7.548% | 0 pts ($0) | $962/mo | $33,190 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $814/mo | $27,572 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.790% | 7.172% | 0 pts ($0) | $869/mo | $31,340 |
Conventional Rate/Term Refi | 0% | 740 credit score | 7.183% | 7.264% | 0 pts ($0) | $932/mo | $31,875 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,135/mo | $27,055 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.105% | 6.883% | 0 pts ($0) | $819/mo | $28,832 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $833/mo | $29,167 |
FHA Streamline Refi | 0% | 640 credit score | 6.299% | 7.080% | 0 pts ($0) | $866/mo | $30,694 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.091% | 7.344% | 0 pts ($0) | $877/mo | $31,879 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $860/mo | $16,844 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.753% | 0 pts ($0) | $730/mo | $23,271 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $741/mo | $23,163 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $800/mo | $24,517 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.465% | 7.249% | 0 pts ($0) | $850/mo | $30,294 |
Second Home 10% Down | 10% | 720 credit score | 6.118% | 6.702% | 0 pts ($0) | $751/mo | $25,461 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $723/mo | $22,363 |
VA 0% Down | 0% | 700 credit score | 6.125% | 6.377% | 0 pts ($0) | $854/mo | $28,302 |
VA Cash-Out Refi | 0% | 640 credit score | 6.131% | 6.509% | 0 pts ($0) | $854/mo | $28,328 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.157% | 6.317% | 0 pts ($0) | $856/mo | $28,438 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $757/mo | $23,939 |
Frequently Asked Questions
What are today's mortgage rates in 13093, , NY across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 13093, , NY is 7.064% (with an estimated monthly payment of $1,044). Active program rates also include FHA 30-year fixed loans at 6.105% and VA 0%-down fixed loans at 6.125%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 13093, , 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 13093, , NY have fluctuated between a low of 6.938% and a high of 7.191%. 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 13093, , NY?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $137,514 in 13093, , NY, a standard 20%-down Conventional loan requires an upfront cash down payment of $27,503 but keeps your monthly payment lower at $1,044/mo (at 7.064% interest) with no monthly PMI. In comparison, an FHA loan requires only $4,813 (3.5% down) but has an estimated payment of $1,160/mo (at 6.105% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $132,701 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 13093 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 13093 is $806,501. With a typical local home value of $137,514 in , a standard 20%-down mortgage requires a loan size of $110,011. 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 13093, , NY impact estimated mortgage payments?
The median home value in 13093, , NY is estimated at $137,514. Buying a typical home here with a standard 20% down payment ($27,503) translates to an estimated starting monthly mortgage payment of $1,044 (principal and interest). Compared to the local area median household income of $66,000 ($5,500/mo), this basic housing payment represents approximately 19.0% 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.