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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 | 6.938%APR 6.976% | 0 pts$0 | $1,747/moP&I $1,747 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.951%APR 6.721% | 0 pts$0 | $1,727/moP&I $1,604 · MI $123 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.070%APR 6.124% | 0 pts$0 | $1,596/moP&I $1,596 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.903%APR 6.941% | 0 pts$0 | $1,741/moP&I $1,741 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.689% | 0 pts$0 | $1,871/moP&I $1,871 · 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 | 6.070% | 6.124% | 0 pts ($0) | $2,240/mo | $45,075 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.054% | 6.109% | 0 pts ($0) | $2,797/mo | $62,633 |
Condo 10% Down | 10% | 720 credit score | 7.259% | 7.431% | 0 pts ($0) | $2,030/mo | $71,383 |
Conventional 10% Down | 10% | 720 credit score | 6.764% | 6.924% | 0 pts ($0) | $1,931/mo | $66,946 |
Conventional 20% Down | 20% | 740 credit score | 6.938% | 6.976% | 0 pts ($0) | $1,747/mo | $54,154 |
Conventional 5% Down | 5% | 700 credit score | 7.067% | 7.549% | 0 pts ($0) | $2,102/mo | $73,531 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.379% | 7.420% | 0 pts ($0) | $2,283/mo | $78,528 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,955/mo | $66,237 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.828% | 7.206% | 0 pts ($0) | $2,095/mo | $75,655 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.903% | 6.941% | 0 pts ($0) | $2,176/mo | $73,786 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,726/mo | $64,996 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.951% | 6.721% | 0 pts ($0) | $1,935/mo | $67,763 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,001/mo | $70,069 |
FHA Streamline Refi | 0% | 640 credit score | 6.071% | 6.843% | 0 pts ($0) | $2,031/mo | $71,433 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.024% | 7.270% | 0 pts ($0) | $2,093/mo | $75,949 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,067/mo | $40,465 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.689% | 0 pts ($0) | $1,754/mo | $55,904 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,781/mo | $55,644 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,921/mo | $58,899 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.311% | 7.087% | 0 pts ($0) | $2,010/mo | $71,273 |
Second Home 10% Down | 10% | 720 credit score | 5.956% | 6.530% | 0 pts ($0) | $1,774/mo | $59,718 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,738/mo | $53,724 |
VA 0% Down | 0% | 700 credit score | 6.073% | 6.319% | 0 pts ($0) | $2,039/mo | $67,464 |
VA Cash-Out Refi | 0% | 640 credit score | 6.077% | 6.447% | 0 pts ($0) | $2,040/mo | $67,505 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.084% | 6.238% | 0 pts ($0) | $2,041/mo | $67,576 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,818/mo | $57,509 |
Frequently Asked Questions
What are today's mortgage rates in 14102, , NY across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 14102, , NY is 6.938% (with an estimated monthly payment of $1,908). Active program rates also include FHA 30-year fixed loans at 5.951% and VA 0%-down fixed loans at 6.073%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 14102, , 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 14102, , NY have fluctuated between a low of 6.586% and a high of 7.034%. 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 14102, , NY?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $330,354 in 14102, , NY, a standard 20%-down Conventional loan requires an upfront cash down payment of $66,071 but keeps your monthly payment lower at $1,908/mo (at 6.938% interest) with no monthly PMI. In comparison, an FHA loan requires only $11,562 (3.5% down) but has an estimated payment of $2,113/mo (at 5.951% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $318,792 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 14102 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 14102 is $806,501. With a typical local home value of $330,354 in , a standard 20%-down mortgage requires a loan size of $264,283. 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 14102, , NY impact estimated mortgage payments?
The median home value in 14102, , NY is estimated at $330,354. Buying a typical home here with a standard 20% down payment ($66,071) translates to an estimated starting monthly mortgage payment of $1,908 (principal and interest). Compared to the local area median household income of $92,787 ($7,732/mo), this basic housing payment represents approximately 24.7% 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.