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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 | 6.943%APR 6.981% | 0 pts$0 | $1,596/moP&I $1,596 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.952%APR 6.722% | 0 pts$0 | $1,577/moP&I $1,464 · MI $113 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.080%APR 6.134% | 0 pts$0 | $1,459/moP&I $1,459 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.898%APR 6.936% | 0 pts$0 | $1,589/moP&I $1,589 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.691% | 0 pts$0 | $1,708/moP&I $1,708 · 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 | 6.080% | 6.134% | 0 pts ($0) | $2,047/mo | $41,224 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.042% | 6.097% | 0 pts ($0) | $2,552/mo | $57,079 |
Condo 10% Down | 10% | 720 credit score | 7.264% | 7.437% | 0 pts ($0) | $1,854/mo | $65,214 |
Conventional 10% Down | 10% | 720 credit score | 6.768% | 6.928% | 0 pts ($0) | $1,764/mo | $61,155 |
Conventional 20% Down | 20% | 740 credit score | 6.943% | 6.981% | 0 pts ($0) | $1,596/mo | $49,479 |
Conventional 5% Down | 5% | 700 credit score | 7.073% | 7.555% | 0 pts ($0) | $1,920/mo | $67,186 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.384% | 7.425% | 0 pts ($0) | $2,085/mo | $71,742 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,785/mo | $60,475 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.829% | 7.207% | 0 pts ($0) | $1,913/mo | $69,082 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.898% | 6.936% | 0 pts ($0) | $1,986/mo | $67,322 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,489/mo | $59,341 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.952% | 6.722% | 0 pts ($0) | $1,766/mo | $61,877 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,827/mo | $63,973 |
FHA Streamline Refi | 0% | 640 credit score | 6.073% | 6.845% | 0 pts ($0) | $1,854/mo | $65,237 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.030% | 7.276% | 0 pts ($0) | $1,912/mo | $69,393 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,887/mo | $36,945 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.691% | 0 pts ($0) | $1,601/mo | $51,040 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,626/mo | $50,803 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,754/mo | $53,775 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.313% | 7.089% | 0 pts ($0) | $1,836/mo | $65,091 |
Second Home 10% Down | 10% | 720 credit score | 5.958% | 6.532% | 0 pts ($0) | $1,620/mo | $54,539 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,587/mo | $49,050 |
VA 0% Down | 0% | 700 credit score | 6.075% | 6.321% | 0 pts ($0) | $1,862/mo | $61,614 |
VA Cash-Out Refi | 0% | 640 credit score | 6.079% | 6.450% | 0 pts ($0) | $1,863/mo | $61,651 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.086% | 6.240% | 0 pts ($0) | $1,864/mo | $61,716 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,660/mo | $52,506 |
Frequently Asked Questions
What are today's mortgage rates in Lewiston-Porter, NY across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in Lewiston-Porter, NY is 6.943% (with an estimated monthly payment of $1,873). Active program rates also include FHA 30-year fixed loans at 5.952% and VA 0%-down fixed loans at 6.075%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in Lewiston-Porter, 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 Lewiston-Porter, NY have fluctuated between a low of 6.594% and a high of 7.044%. 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 Lewiston-Porter, NY?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $301,614 in Lewiston-Porter, NY, a standard 20%-down Conventional loan requires an upfront cash down payment of $60,323 but keeps your monthly payment lower at $1,873/mo (at 6.943% interest) with no monthly PMI. In comparison, an FHA loan requires only $10,556 (3.5% down) but has an estimated payment of $2,073/mo (at 5.952% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $291,058 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 Lewiston-Porter before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in Lewiston-Porter is $806,501. With a typical local home value of $301,614 in , a standard 20%-down mortgage requires a loan size of $241,291. 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 Lewiston-Porter, NY impact estimated mortgage payments?
The median home value in Lewiston-Porter, NY is estimated at $301,614. Buying a typical home here with a standard 20% down payment ($60,323) translates to an estimated starting monthly mortgage payment of $1,873 (principal and interest). Compared to the local area median household income of $83,342 ($6,945/mo), this basic housing payment represents approximately 27.0% 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.