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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 | 7.106%APR 7.152% | 0 pts$0 | $915/moP&I $915 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.117%APR 6.896% | 0 pts$0 | $904/moP&I $840 · MI $63 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.342%APR 6.410% | 0 pts$0 | $846/moP&I $846 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 7.259%APR 7.317% | 0 pts$0 | $929/moP&I $929 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.770% | 0 pts$0 | $963/moP&I $963 · 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 | 6.342% | 6.410% | 0 pts ($0) | $1,173/mo | $24,278 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.324% | 6.395% | 0 pts ($0) | $1,465/mo | $33,575 |
Condo 10% Down | 10% | 720 credit score | 7.426% | 7.610% | 0 pts ($0) | $1,062/mo | $37,519 |
Conventional 10% Down | 10% | 720 credit score | 6.870% | 7.039% | 0 pts ($0) | $1,005/mo | $34,953 |
Conventional 20% Down | 20% | 740 credit score | 7.106% | 7.152% | 0 pts ($0) | $915/mo | $28,568 |
Conventional 5% Down | 5% | 700 credit score | 7.135% | 7.627% | 0 pts ($0) | $1,090/mo | $38,185 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.538% | 7.587% | 0 pts ($0) | $1,194/mo | $41,242 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,006/mo | $34,099 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.799% | 7.181% | 0 pts ($0) | $1,075/mo | $38,803 |
Conventional Rate/Term Refi | 0% | 740 credit score | 7.259% | 7.317% | 0 pts ($0) | $1,161/mo | $39,810 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,403/mo | $33,460 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.117% | 6.896% | 0 pts ($0) | $1,014/mo | $35,717 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,030/mo | $36,071 |
FHA Streamline Refi | 0% | 640 credit score | 6.311% | 7.093% | 0 pts ($0) | $1,072/mo | $38,022 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.092% | 7.346% | 0 pts ($0) | $1,085/mo | $39,430 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,064/mo | $20,831 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.770% | 0 pts ($0) | $903/mo | $28,779 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $917/mo | $28,646 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $989/mo | $30,321 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.475% | 7.260% | 0 pts ($0) | $1,053/mo | $37,516 |
Second Home 10% Down | 10% | 720 credit score | 6.111% | 6.696% | 0 pts ($0) | $929/mo | $31,456 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $895/mo | $27,657 |
VA 0% Down | 0% | 700 credit score | 6.141% | 6.394% | 0 pts ($0) | $1,057/mo | $35,086 |
VA Cash-Out Refi | 0% | 640 credit score | 6.154% | 6.533% | 0 pts ($0) | $1,059/mo | $35,154 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.159% | 6.320% | 0 pts ($0) | $1,059/mo | $35,180 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $936/mo | $29,606 |
Frequently Asked Questions
What are today's mortgage rates in 13748, , NY across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 13748, , NY is 7.106% (with an estimated monthly payment of $984). Active program rates also include FHA 30-year fixed loans at 6.117% and VA 0%-down fixed loans at 6.141%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 13748, , 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 13748, , NY have fluctuated between a low of 6.968% and a high of 7.237%. 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 13748, , NY?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $170,066 in 13748, , NY, a standard 20%-down Conventional loan requires an upfront cash down payment of $34,013 but keeps your monthly payment lower at $984/mo (at 7.106% interest) with no monthly PMI. In comparison, an FHA loan requires only $5,952 (3.5% down) but has an estimated payment of $1,090/mo (at 6.117% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $164,114 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 13748 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 13748 is $806,501. With a typical local home value of $170,066 in , a standard 20%-down mortgage requires a loan size of $136,053. 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 13748, , NY impact estimated mortgage payments?
The median home value in 13748, , NY is estimated at $170,066. Buying a typical home here with a standard 20% down payment ($34,013) translates to an estimated starting monthly mortgage payment of $984 (principal and interest). Compared to the local area median household income of $66,356 ($5,530/mo), this basic housing payment represents approximately 17.8% 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.