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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 | 6.991%APR 7.030% | 0 pts$0 | $1,538/moP&I $1,538 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.072%APR 6.845% | 0 pts$0 | $1,531/moP&I $1,423 · MI $108 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.248%APR 6.306% | 0 pts$0 | $1,425/moP&I $1,425 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.999%APR 7.039% | 0 pts$0 | $1,540/moP&I $1,540 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.718% | 0 pts$0 | $1,638/moP&I $1,638 · 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 | 6.248% | 6.306% | 0 pts ($0) | $1,984/mo | $40,669 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.088% | 6.144% | 0 pts ($0) | $2,455/mo | $55,136 |
Condo 10% Down | 10% | 720 credit score | 7.321% | 7.496% | 0 pts ($0) | $1,789/mo | $63,001 |
Conventional 10% Down | 10% | 720 credit score | 6.810% | 6.973% | 0 pts ($0) | $1,699/mo | $58,990 |
Conventional 20% Down | 20% | 740 credit score | 6.991% | 7.030% | 0 pts ($0) | $1,538/mo | $47,796 |
Conventional 5% Down | 5% | 700 credit score | 7.142% | 7.629% | 0 pts ($0) | $1,855/mo | $65,017 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.440% | 7.483% | 0 pts ($0) | $2,011/mo | $69,304 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,712/mo | $58,008 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.842% | 7.222% | 0 pts ($0) | $1,837/mo | $66,374 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.999% | 7.039% | 0 pts ($0) | $1,925/mo | $65,456 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,387/mo | $56,921 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.072% | 6.845% | 0 pts ($0) | $1,716/mo | $60,377 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,753/mo | $61,364 |
FHA Streamline Refi | 0% | 640 credit score | 6.267% | 7.044% | 0 pts ($0) | $1,816/mo | $64,293 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.096% | 7.345% | 0 pts ($0) | $1,846/mo | $67,110 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,810/mo | $35,438 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.718% | 0 pts ($0) | $1,536/mo | $48,958 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,559/mo | $48,731 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,682/mo | $51,581 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.436% | 7.215% | 0 pts ($0) | $1,784/mo | $63,487 |
Second Home 10% Down | 10% | 720 credit score | 6.077% | 6.655% | 0 pts ($0) | $1,574/mo | $53,246 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,522/mo | $47,049 |
VA 0% Down | 0% | 700 credit score | 6.076% | 6.323% | 0 pts ($0) | $1,786/mo | $59,109 |
VA Cash-Out Refi | 0% | 640 credit score | 6.080% | 6.452% | 0 pts ($0) | $1,787/mo | $59,145 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.086% | 6.241% | 0 pts ($0) | $1,788/mo | $59,198 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,592/mo | $50,364 |
Frequently Asked Questions
What are today's mortgage rates in 14467, , NY across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 14467, , NY is 6.991% (with an estimated monthly payment of $1,583). Active program rates also include FHA 30-year fixed loans at 6.072% and VA 0%-down fixed loans at 6.076%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 14467, , 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 14467, , NY have fluctuated between a low of 6.885% and a high of 7.135%. 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 14467, , NY?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $289,311 in 14467, , NY, a standard 20%-down Conventional loan requires an upfront cash down payment of $57,862 but keeps your monthly payment lower at $1,583/mo (at 6.991% interest) with no monthly PMI. In comparison, an FHA loan requires only $10,126 (3.5% down) but has an estimated payment of $1,766/mo (at 6.072% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $279,185 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 14467 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 14467 is $806,501. With a typical local home value of $289,311 in , a standard 20%-down mortgage requires a loan size of $231,449. 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 14467, , NY impact estimated mortgage payments?
The median home value in 14467, , NY is estimated at $289,311. Buying a typical home here with a standard 20% down payment ($57,862) translates to an estimated starting monthly mortgage payment of $1,583 (principal and interest). Compared to the local area median household income of $92,330 ($7,694/mo), this basic housing payment represents approximately 20.6% 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.