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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 | 6.903%APR 6.939% | 0 pts$0 | $2,304/moP&I $2,304 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.055%APR 6.826% | 0 pts$0 | $2,309/moP&I $2,146 · MI $163 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.999%APR 6.050% | 0 pts$0 | $2,097/moP&I $2,097 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.931%APR 6.968% | 0 pts$0 | $2,311/moP&I $2,311 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.670% | 0 pts$0 | $2,476/moP&I $2,476 · 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 | 5.999% | 6.050% | 0 pts ($0) | $2,951/mo | $58,936 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.958% | 6.009% | 0 pts ($0) | $3,680/mo | $81,677 |
Condo 10% Down | 10% | 720 credit score | 7.173% | 7.342% | 0 pts ($0) | $2,664/mo | $93,452 |
Conventional 10% Down | 10% | 720 credit score | 6.604% | 6.760% | 0 pts ($0) | $2,514/mo | $86,705 |
Conventional 20% Down | 20% | 740 credit score | 6.903% | 6.939% | 0 pts ($0) | $2,304/mo | $71,302 |
Conventional 5% Down | 5% | 700 credit score | 7.019% | 7.497% | 0 pts ($0) | $2,769/mo | $96,715 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.346% | 7.385% | 0 pts ($0) | $3,011/mo | $103,493 |
Conventional High Balance | 10% | 740 credit score | 7.001% | 7.034% | 0 pts ($0) | $2,618/mo | $89,050 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.815% | 7.191% | 0 pts ($0) | $2,769/mo | $99,960 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.931% | 6.968% | 0 pts ($0) | $2,889/mo | $98,022 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,608/mo | $86,019 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.055% | 6.826% | 0 pts ($0) | $2,589/mo | $91,023 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,649/mo | $92,734 |
FHA Streamline Refi | 0% | 640 credit score | 6.250% | 7.024% | 0 pts ($0) | $2,739/mo | $96,933 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.989% | 7.233% | 0 pts ($0) | $2,760/mo | $100,077 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,735/mo | $53,554 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.670% | 0 pts ($0) | $2,321/mo | $73,987 |
Jumbo Conforming | 20% | 760 credit score | 7.003% | 7.035% | 0 pts ($0) | $2,328/mo | $72,356 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,542/mo | $77,951 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.421% | 7.198% | 0 pts ($0) | $2,691/mo | $95,749 |
Second Home 10% Down | 10% | 720 credit score | 5.945% | 6.518% | 0 pts ($0) | $2,345/mo | $78,905 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,300/mo | $71,102 |
VA 0% Down | 0% | 700 credit score | 6.047% | 6.291% | 0 pts ($0) | $2,691/mo | $88,938 |
VA Cash-Out Refi | 0% | 640 credit score | 6.060% | 6.429% | 0 pts ($0) | $2,695/mo | $89,112 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.069% | 6.222% | 0 pts ($0) | $2,698/mo | $89,233 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,406/mo | $76,111 |
Frequently Asked Questions
What are today's mortgage rates in Brookhaven-Comsewogue, NY across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in Brookhaven-Comsewogue, NY is 6.903% (with an estimated monthly payment of $2,208). Active program rates also include FHA 30-year fixed loans at 6.055% and VA 0%-down fixed loans at 6.047%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in Brookhaven-Comsewogue, 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 Brookhaven-Comsewogue, NY have fluctuated between a low of 6.529% and a high of 6.982%. 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 Brookhaven-Comsewogue, NY?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $437,211 in Brookhaven-Comsewogue, NY, a standard 20%-down Conventional loan requires an upfront cash down payment of $87,442 but keeps your monthly payment lower at $2,208/mo (at 6.903% interest) with no monthly PMI. In comparison, an FHA loan requires only $15,302 (3.5% down) but has an estimated payment of $2,480/mo (at 6.055% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $421,909 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 Brookhaven-Comsewogue before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in Brookhaven-Comsewogue is $806,501. With a typical local home value of $437,211 in , a standard 20%-down mortgage requires a loan size of $349,769. 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 Brookhaven-Comsewogue, NY impact estimated mortgage payments?
The median home value in Brookhaven-Comsewogue, NY is estimated at $437,211. Buying a typical home here with a standard 20% down payment ($87,442) translates to an estimated starting monthly mortgage payment of $2,208 (principal and interest). Compared to the local area median household income of $93,497 ($7,791/mo), this basic housing payment represents approximately 28.3% 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.