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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 | 6.998%APR 7.041% | 0 pts$0 | $798/moP&I $798 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.100%APR 6.877% | 0 pts$0 | $796/moP&I $740 · MI $56 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.258%APR 6.321% | 0 pts$0 | $740/moP&I $740 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.945%APR 6.989% | 0 pts$0 | $794/moP&I $794 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.730% | 0 pts$0 | $849/moP&I $849 · 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 | 6.258% | 6.321% | 0 pts ($0) | $1,029/mo | $21,122 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.156% | 6.220% | 0 pts ($0) | $1,279/mo | $28,883 |
Condo 10% Down | 10% | 720 credit score | 7.343% | 7.523% | 0 pts ($0) | $929/mo | $32,755 |
Conventional 10% Down | 10% | 720 credit score | 6.813% | 6.979% | 0 pts ($0) | $881/mo | $30,598 |
Conventional 20% Down | 20% | 740 credit score | 6.998% | 7.041% | 0 pts ($0) | $798/mo | $24,807 |
Conventional 5% Down | 5% | 700 credit score | 7.295% | 7.791% | 0 pts ($0) | $976/mo | $34,368 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.449% | 7.495% | 0 pts ($0) | $1,044/mo | $35,974 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $888/mo | $30,077 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.875% | 7.258% | 0 pts ($0) | $956/mo | $34,559 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.945% | 6.989% | 0 pts ($0) | $992/mo | $33,694 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,238/mo | $29,513 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.100% | 6.877% | 0 pts ($0) | $893/mo | $31,429 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $909/mo | $31,816 |
FHA Streamline Refi | 0% | 640 credit score | 6.294% | 7.074% | 0 pts ($0) | $944/mo | $33,459 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.267% | 7.523% | 0 pts ($0) | $974/mo | $35,531 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $938/mo | $18,374 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.730% | 0 pts ($0) | $796/mo | $25,385 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $808/mo | $25,266 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $872/mo | $26,744 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.460% | 7.243% | 0 pts ($0) | $927/mo | $33,024 |
Second Home 10% Down | 10% | 720 credit score | 6.100% | 6.682% | 0 pts ($0) | $818/mo | $27,701 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $789/mo | $24,395 |
VA 0% Down | 0% | 700 credit score | 6.122% | 6.373% | 0 pts ($0) | $931/mo | $30,860 |
VA Cash-Out Refi | 0% | 640 credit score | 6.125% | 6.501% | 0 pts ($0) | $931/mo | $30,873 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.125% | 6.284% | 0 pts ($0) | $931/mo | $30,873 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $825/mo | $26,113 |
Frequently Asked Questions
What are today's mortgage rates in 13814, , NY across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 13814, , NY is 6.998% (with an estimated monthly payment of $1,147). Active program rates also include FHA 30-year fixed loans at 6.100% and VA 0%-down fixed loans at 6.122%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 13814, , 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 13814, , NY have fluctuated between a low of 6.891% and a high of 7.132%. 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 13814, , NY?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $150,005 in 13814, , NY, a standard 20%-down Conventional loan requires an upfront cash down payment of $30,001 but keeps your monthly payment lower at $1,147/mo (at 6.998% interest) with no monthly PMI. In comparison, an FHA loan requires only $5,250 (3.5% down) but has an estimated payment of $1,282/mo (at 6.100% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $144,755 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 13814 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 13814 is $806,501. With a typical local home value of $150,005 in , a standard 20%-down mortgage requires a loan size of $120,004. 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 13814, , NY impact estimated mortgage payments?
The median home value in 13814, , NY is estimated at $150,005. Buying a typical home here with a standard 20% down payment ($30,001) translates to an estimated starting monthly mortgage payment of $1,147 (principal and interest). Compared to the local area median household income of $73,640 ($6,137/mo), this basic housing payment represents approximately 18.7% 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.