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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 | 7.256%APR 7.305% | 0 pts$0 | $1,015/moP&I $1,015 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.124%APR 6.905% | 0 pts$0 | $989/moP&I $920 · MI $69 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.450%APR 6.522% | 0 pts$0 | $935/moP&I $935 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 7.211%APR 7.260% | 0 pts$0 | $1,011/moP&I $1,011 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.824% | 0 pts$0 | $1,053/moP&I $1,053 · 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 | 6.450% | 6.522% | 0 pts ($0) | $1,292/mo | $27,011 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.331% | 6.402% | 0 pts ($0) | $1,603/mo | $36,747 |
Condo 10% Down | 10% | 720 credit score | 7.498% | 7.686% | 0 pts ($0) | $1,170/mo | $41,385 |
Conventional 10% Down | 10% | 720 credit score | 6.929% | 7.101% | 0 pts ($0) | $1,105/mo | $38,513 |
Conventional 20% Down | 20% | 740 credit score | 7.256% | 7.305% | 0 pts ($0) | $1,015/mo | $31,907 |
Conventional 5% Down | 5% | 700 credit score | 7.192% | 7.687% | 0 pts ($0) | $1,198/mo | $42,053 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.625% | 7.683% | 0 pts ($0) | $1,316/mo | $45,580 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,100/mo | $37,282 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.810% | 7.194% | 0 pts ($0) | $1,177/mo | $42,485 |
Conventional Rate/Term Refi | 0% | 740 credit score | 7.211% | 7.260% | 0 pts ($0) | $1,264/mo | $43,258 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,534/mo | $36,583 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.124% | 6.905% | 0 pts ($0) | $1,109/mo | $39,090 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,127/mo | $39,439 |
FHA Streamline Refi | 0% | 640 credit score | 6.317% | 7.101% | 0 pts ($0) | $1,173/mo | $41,606 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.124% | 7.381% | 0 pts ($0) | $1,190/mo | $43,281 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,163/mo | $22,776 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.824% | 0 pts ($0) | $987/mo | $31,466 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,002/mo | $31,320 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,081/mo | $33,152 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.481% | 7.268% | 0 pts ($0) | $1,152/mo | $41,051 |
Second Home 10% Down | 10% | 720 credit score | 6.136% | 6.723% | 0 pts ($0) | $1,018/mo | $34,518 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $978/mo | $30,239 |
VA 0% Down | 0% | 700 credit score | 6.169% | 6.424% | 0 pts ($0) | $1,160/mo | $38,521 |
VA Cash-Out Refi | 0% | 640 credit score | 6.184% | 6.566% | 0 pts ($0) | $1,161/mo | $38,607 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.237% | 6.401% | 0 pts ($0) | $1,168/mo | $38,909 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,023/mo | $32,369 |
Frequently Asked Questions
What are today's mortgage rates in 13804, , NY across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 13804, , NY is 7.256% (with an estimated monthly payment of $880). Active program rates also include FHA 30-year fixed loans at 6.124% and VA 0%-down fixed loans at 6.169%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 13804, , 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 13804, , NY have fluctuated between a low of 7.070% and a high of 7.308%. 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 13804, , NY?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $185,942 in 13804, , NY, a standard 20%-down Conventional loan requires an upfront cash down payment of $37,188 but keeps your monthly payment lower at $880/mo (at 7.256% interest) with no monthly PMI. In comparison, an FHA loan requires only $6,508 (3.5% down) but has an estimated payment of $961/mo (at 6.124% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $179,434 falls comfortably within the local HUD FHA loan limit of $541,287 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 13804 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 13804 is $806,501. With a typical local home value of $185,942 in , a standard 20%-down mortgage requires a loan size of $148,754. 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 13804, , NY impact estimated mortgage payments?
The median home value in 13804, , NY is estimated at $185,942. Buying a typical home here with a standard 20% down payment ($37,188) translates to an estimated starting monthly mortgage payment of $880 (principal and interest). Compared to the local area median household income of $61,350 ($5,113/mo), this basic housing payment represents approximately 17.2% 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.