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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 | 7.026%APR 7.070% | 0 pts$0 | $849/moP&I $849 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.096%APR 6.873% | 0 pts$0 | $844/moP&I $784 · MI $59 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.283%APR 6.348% | 0 pts$0 | $786/moP&I $786 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.971%APR 7.221% | 0 pts$0 | $844/moP&I $844 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.742% | 0 pts$0 | $901/moP&I $901 · 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 | 6.283% | 6.348% | 0 pts ($0) | $1,094/mo | $22,492 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.126% | 6.280% | 0 pts ($0) | $1,353/mo | $30,493 |
Condo 10% Down | 10% | 720 credit score | 7.363% | 7.544% | 0 pts ($0) | $988/mo | $34,824 |
Conventional 10% Down | 10% | 720 credit score | 6.831% | 6.998% | 0 pts ($0) | $936/mo | $32,528 |
Conventional 20% Down | 20% | 740 credit score | 7.026% | 7.070% | 0 pts ($0) | $849/mo | $26,416 |
Conventional 5% Down | 5% | 700 credit score | 7.123% | 7.613% | 0 pts ($0) | $1,018/mo | $35,665 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.474% | 7.521% | 0 pts ($0) | $1,110/mo | $38,272 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $941/mo | $31,897 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.784% | 7.165% | 0 pts ($0) | $1,004/mo | $36,228 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.971% | 7.221% | 0 pts ($0) | $1,055/mo | $35,858 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,313/mo | $31,299 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.096% | 6.873% | 0 pts ($0) | $946/mo | $33,312 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $964/mo | $33,742 |
FHA Streamline Refi | 0% | 640 credit score | 6.291% | 7.072% | 0 pts ($0) | $1,001/mo | $35,470 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.080% | 7.332% | 0 pts ($0) | $1,014/mo | $36,829 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $995/mo | $19,486 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.742% | 0 pts ($0) | $844/mo | $26,921 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $857/mo | $26,796 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $925/mo | $28,363 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.457% | 7.240% | 0 pts ($0) | $983/mo | $35,009 |
Second Home 10% Down | 10% | 720 credit score | 6.109% | 6.692% | 0 pts ($0) | $868/mo | $29,416 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $837/mo | $25,871 |
VA 0% Down | 0% | 700 credit score | 6.129% | 6.380% | 0 pts ($0) | $988/mo | $32,762 |
VA Cash-Out Refi | 0% | 640 credit score | 6.122% | 6.499% | 0 pts ($0) | $987/mo | $32,727 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.137% | 6.296% | 0 pts ($0) | $989/mo | $32,801 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $875/mo | $27,694 |
Frequently Asked Questions
What are today's mortgage rates in 14898, , NY across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 14898, , NY is 7.026% (with an estimated monthly payment of $1,095). Active program rates also include FHA 30-year fixed loans at 6.096% and VA 0%-down fixed loans at 6.129%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 14898, , 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 14898, , NY have fluctuated between a low of 6.913% and a high of 7.159%. 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 14898, , NY?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $159,085 in 14898, , NY, a standard 20%-down Conventional loan requires an upfront cash down payment of $31,817 but keeps your monthly payment lower at $1,095/mo (at 7.026% interest) with no monthly PMI. In comparison, an FHA loan requires only $5,568 (3.5% down) but has an estimated payment of $1,221/mo (at 6.096% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $153,517 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 14898 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 14898 is $806,501. With a typical local home value of $159,085 in , a standard 20%-down mortgage requires a loan size of $127,268. 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 14898, , NY impact estimated mortgage payments?
The median home value in 14898, , NY is estimated at $159,085. Buying a typical home here with a standard 20% down payment ($31,817) translates to an estimated starting monthly mortgage payment of $1,095 (principal and interest). Compared to the local area median household income of $65,104 ($5,425/mo), this basic housing payment represents approximately 20.2% 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.