New York Refinance Rates | 30 Year Fixed NY Lenders

Looking for New York Refinance Rates?  ERATE.com helps you compare today's home refinance mortgage rates in New York.  Select from popular programs like the 30 Year Fixed, 15 Year Fixed, 5/1 ARM or other programs and we list the top offers from numerous lenders for you.  Rates are updated daily.

(Last Updated: 05/13/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.100% APR 5.990% Rate 15 day rate lock $1,917 Payment per month
0.565 Points$1,808 Points Fee
$3,803 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.227% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.961 Points$3,075 Points Fee
$3,616 Total Fees$541 Lender Fees
 30 Years Fixed
6.352% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.767 Points$2,454 Points Fee
$3,690 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.391% APR 6.250% Rate 45 day rate lock $1,971 Payment per month
0.875 Points$2,800 Points Fee
$4,795 Total Fees$1,995 Lender Fees
 30 Years Fixed
Discover multiple refinance options
6.279% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.304 Points$973 Points Fee
$973 Total Fees$0 Lender Fees
 30 Years Fixed
Updating Rates...
Updating Rates...
Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
Family moving in

Refinancing options in New York are abundant, offering homeowners the opportunity to secure better terms on their mortgage loans. With a variety of lenders in the market, competitive 30-year fixed refinance rates are available, catering to different financial situations and goals. Homeowners looking to lower their monthly payments, reduce their interest rate, or change their loan term can find suitable options. It's essential for borrowers to compare offers from multiple lenders to ensure they get the best deal tailored to their needs.

Loan Officers located in New York City