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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 | 7.044%APR 7.085% | 0 pts$0 | $811/moP&I $811 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.084%APR 6.859% | 0 pts$0 | $803/moP&I $747 · MI $57 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.296%APR 6.356% | 0 pts$0 | $750/moP&I $750 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 7.050%APR 7.091% | 0 pts$0 | $811/moP&I $811 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.691% | 0 pts$0 | $859/moP&I $859 · 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 | 6.296% | 6.356% | 0 pts ($0) | $1,043/mo | $21,483 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.213% | 6.272% | 0 pts ($0) | $1,297/mo | $29,446 |
Condo 10% Down | 10% | 720 credit score | 7.262% | 7.438% | 0 pts ($0) | $932/mo | $32,775 |
Conventional 10% Down | 10% | 720 credit score | 6.844% | 7.008% | 0 pts ($0) | $894/mo | $31,056 |
Conventional 20% Down | 20% | 740 credit score | 7.044% | 7.085% | 0 pts ($0) | $811/mo | $25,243 |
Conventional 5% Down | 5% | 700 credit score | 7.239% | 7.730% | 0 pts ($0) | $982/mo | $34,496 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.486% | 7.530% | 0 pts ($0) | $1,059/mo | $36,532 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $897/mo | $30,401 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.854% | 7.235% | 0 pts ($0) | $964/mo | $34,839 |
Conventional Rate/Term Refi | 0% | 740 credit score | 7.050% | 7.091% | 0 pts ($0) | $1,014/mo | $34,538 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,251/mo | $29,832 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.084% | 6.859% | 0 pts ($0) | $901/mo | $31,697 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $919/mo | $32,160 |
FHA Streamline Refi | 0% | 640 credit score | 6.279% | 7.057% | 0 pts ($0) | $953/mo | $33,751 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.162% | 7.414% | 0 pts ($0) | $974/mo | $35,458 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $949/mo | $18,573 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.691% | 0 pts ($0) | $805/mo | $25,659 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $817/mo | $25,539 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $882/mo | $27,033 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.447% | 7.228% | 0 pts ($0) | $936/mo | $33,322 |
Second Home 10% Down | 10% | 720 credit score | 6.085% | 6.665% | 0 pts ($0) | $826/mo | $27,938 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $798/mo | $24,658 |
VA 0% Down | 0% | 700 credit score | 6.088% | 6.336% | 0 pts ($0) | $937/mo | $31,034 |
VA Cash-Out Refi | 0% | 640 credit score | 6.093% | 6.466% | 0 pts ($0) | $938/mo | $31,058 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.111% | 6.268% | 0 pts ($0) | $940/mo | $31,142 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $834/mo | $26,395 |
Frequently Asked Questions
What are today's mortgage rates in 14820, , NY across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 14820, , NY is 7.044% (with an estimated monthly payment of $1,409). Active program rates also include FHA 30-year fixed loans at 6.084% and VA 0%-down fixed loans at 6.088%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 14820, , 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 14820, , NY have fluctuated between a low of 6.928% and a high of 7.188%. 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 14820, , NY?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $151,625 in 14820, , NY, a standard 20%-down Conventional loan requires an upfront cash down payment of $30,325 but keeps your monthly payment lower at $1,409/mo (at 7.044% interest) with no monthly PMI. In comparison, an FHA loan requires only $5,307 (3.5% down) but has an estimated payment of $1,565/mo (at 6.084% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $146,318 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 14820 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 14820 is $806,501. With a typical local home value of $151,625 in , a standard 20%-down mortgage requires a loan size of $121,300. 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 14820, , NY impact estimated mortgage payments?
The median home value in 14820, , NY is estimated at $151,625. Buying a typical home here with a standard 20% down payment ($30,325) translates to an estimated starting monthly mortgage payment of $1,409 (principal and interest). Compared to the local area median household income of $65,383 ($5,449/mo), this basic housing payment represents approximately 25.9% 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.