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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 | 6.833%APR 6.867% | 0 pts$0 | $1,331/moP&I $1,331 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.975%APR 6.743% | 0 pts$0 | $1,333/moP&I $1,238 · MI $95 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.880%APR 5.927% | 0 pts$0 | $1,204/moP&I $1,204 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.799%APR 6.833% | 0 pts$0 | $1,326/moP&I $1,326 · MI $0 | See details |
| Investment Property FixedConforming | 7.519%APR 7.558% | 0 pts$0 | $1,425/moP&I $1,425 · 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 | 5.880% | 5.927% | 0 pts ($0) | $1,704/mo | $33,578 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.871% | 5.919% | 0 pts ($0) | $2,128/mo | $46,865 |
Condo 10% Down | 10% | 720 credit score | 7.035% | 7.199% | 0 pts ($0) | $1,528/mo | $53,402 |
Conventional 10% Down | 10% | 720 credit score | 6.519% | 6.671% | 0 pts ($0) | $1,449/mo | $49,844 |
Conventional 20% Down | 20% | 740 credit score | 6.833% | 6.867% | 0 pts ($0) | $1,331/mo | $41,042 |
Conventional 5% Down | 5% | 700 credit score | 6.959% | 7.434% | 0 pts ($0) | $1,601/mo | $55,815 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.275% | 7.312% | 0 pts ($0) | $1,739/mo | $59,650 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,505/mo | $50,987 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.714% | 7.085% | 0 pts ($0) | $1,594/mo | $57,389 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.799% | 6.833% | 0 pts ($0) | $1,658/mo | $56,001 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,098/mo | $50,031 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.975% | 6.743% | 0 pts ($0) | $1,493/mo | $52,341 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,541/mo | $53,937 |
FHA Streamline Refi | 0% | 640 credit score | 6.104% | 6.874% | 0 pts ($0) | $1,569/mo | $55,243 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.932% | 7.173% | 0 pts ($0) | $1,596/mo | $57,793 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,591/mo | $31,149 |
Investment Property 25% Down | 25% | 740 credit score | 7.519% | 7.558% | 0 pts ($0) | $1,336/mo | $42,423 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,371/mo | $42,833 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,479/mo | $45,338 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.344% | 7.118% | 0 pts ($0) | $1,553/mo | $55,111 |
Second Home 10% Down | 10% | 720 credit score | 7.499% | 7.672% | 0 pts ($0) | $1,600/mo | $56,605 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,338/mo | $41,355 |
VA 0% Down | 0% | 700 credit score | 5.957% | 6.198% | 0 pts ($0) | $1,550/mo | $51,026 |
VA Cash-Out Refi | 0% | 640 credit score | 5.964% | 6.329% | 0 pts ($0) | $1,551/mo | $51,081 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.977% | 6.127% | 0 pts ($0) | $1,554/mo | $51,182 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,399/mo | $44,268 |
Frequently Asked Questions
What are today's mortgage rates in 14874, , NY across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 14874, , NY is 6.833% (with an estimated monthly payment of $3,188). Active program rates also include FHA 30-year fixed loans at 5.975% and VA 0%-down fixed loans at 5.957%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 14874, , 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 14874, , NY have fluctuated between a low of 6.454% and a high of 6.914%. 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 14874, , NY?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $254,294 in 14874, , NY, a standard 20%-down Conventional loan requires an upfront cash down payment of $50,859 but keeps your monthly payment lower at $3,188/mo (at 6.833% interest) with no monthly PMI. In comparison, an FHA loan requires only $8,900 (3.5% down) but has an estimated payment of $3,293/mo (at 5.975% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $245,394 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 14874 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 14874 is $806,501. With a typical local home value of $254,294 in , a standard 20%-down mortgage requires a loan size of $203,435. 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 14874, , NY impact estimated mortgage payments?
The median home value in 14874, , NY is estimated at $254,294. Buying a typical home here with a standard 20% down payment ($50,859) translates to an estimated starting monthly mortgage payment of $3,188 (principal and interest). Compared to the local area median household income of $68,906 ($5,742/mo), this basic housing payment represents approximately 55.5% of gross monthly household income. Because this housing cost exceeds the standard 36% lender DTI guideline, buyers in this high-value area may need larger down payments, lower debt balances, or co-borrower income to qualify.