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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 | 6.949%APR 6.987% | 0 pts$0 | $1,522/moP&I $1,522 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.954%APR 6.724% | 0 pts$0 | $1,503/moP&I $1,396 · MI $107 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.093%APR 6.147% | 0 pts$0 | $1,392/moP&I $1,392 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.910%APR 6.949% | 0 pts$0 | $1,516/moP&I $1,516 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.695% | 0 pts$0 | $1,627/moP&I $1,627 · 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 | 6.093% | 6.147% | 0 pts ($0) | $1,952/mo | $39,365 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.067% | 6.122% | 0 pts ($0) | $2,435/mo | $54,593 |
Condo 10% Down | 10% | 720 credit score | 7.271% | 7.444% | 0 pts ($0) | $1,768/mo | $62,191 |
Conventional 10% Down | 10% | 720 credit score | 6.774% | 6.935% | 0 pts ($0) | $1,682/mo | $58,315 |
Conventional 20% Down | 20% | 740 credit score | 6.949% | 6.987% | 0 pts ($0) | $1,522/mo | $47,186 |
Conventional 5% Down | 5% | 700 credit score | 7.082% | 7.565% | 0 pts ($0) | $1,831/mo | $64,089 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.392% | 7.433% | 0 pts ($0) | $1,988/mo | $68,425 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,701/mo | $57,621 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.831% | 7.210% | 0 pts ($0) | $1,823/mo | $65,839 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.910% | 6.949% | 0 pts ($0) | $1,895/mo | $64,248 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,371/mo | $56,541 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.954% | 6.724% | 0 pts ($0) | $1,683/mo | $58,973 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,741/mo | $60,954 |
FHA Streamline Refi | 0% | 640 credit score | 6.075% | 6.847% | 0 pts ($0) | $1,767/mo | $62,176 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.039% | 7.286% | 0 pts ($0) | $1,824/mo | $66,193 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,798/mo | $35,201 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.695% | 0 pts ($0) | $1,526/mo | $48,632 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,549/mo | $48,406 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,671/mo | $51,237 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.315% | 7.091% | 0 pts ($0) | $1,749/mo | $62,036 |
Second Home 10% Down | 10% | 720 credit score | 5.959% | 6.533% | 0 pts ($0) | $1,544/mo | $51,973 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,512/mo | $46,735 |
VA 0% Down | 0% | 700 credit score | 6.077% | 6.323% | 0 pts ($0) | $1,775/mo | $58,724 |
VA Cash-Out Refi | 0% | 640 credit score | 6.081% | 6.452% | 0 pts ($0) | $1,775/mo | $58,759 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.088% | 6.242% | 0 pts ($0) | $1,777/mo | $58,821 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,581/mo | $50,028 |
Frequently Asked Questions
What are today's mortgage rates in 13138, , NY across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 13138, , NY is 6.949% (with an estimated monthly payment of $1,830). Active program rates also include FHA 30-year fixed loans at 5.954% and VA 0%-down fixed loans at 6.077%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 13138, , 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 13138, , NY have fluctuated between a low of 6.604% and a high of 7.058%. 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 13138, , NY?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $287,380 in 13138, , NY, a standard 20%-down Conventional loan requires an upfront cash down payment of $57,476 but keeps your monthly payment lower at $1,830/mo (at 6.949% interest) with no monthly PMI. In comparison, an FHA loan requires only $10,058 (3.5% down) but has an estimated payment of $2,025/mo (at 5.954% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $277,322 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 13138 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 13138 is $806,501. With a typical local home value of $287,380 in , a standard 20%-down mortgage requires a loan size of $229,904. 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 13138, , NY impact estimated mortgage payments?
The median home value in 13138, , NY is estimated at $287,380. Buying a typical home here with a standard 20% down payment ($57,476) translates to an estimated starting monthly mortgage payment of $1,830 (principal and interest). Compared to the local area median household income of $102,972 ($8,581/mo), this basic housing payment represents approximately 21.3% 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.