Home Mortgage Loan Ratesin New York

Planning on purchasing a new home? Use ERATE®'s rate chart to compare today's top rates in New York and find a lender that's the best fit for you. We recommend that you reach out to at least 2 to 3 mortgage lenders for your home loan to ensure you get the best rate and pricing.

(Last Updated: 09/30/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
7.029% APR 6.875% Rate 15 day rate lock $2,103 Payment per month
0.948 Points$3,034 Points Fee
$5,029 Total Fees$1,995 Lender Fees
 30 Years Fixed
As low as 0% down options & down payment assistance
7.222% APR 7.125% Rate 30 day rate lock $2,156 Payment per month
0.973 Points$3,114 Points Fee
$3,114 Total Fees$0 Lender Fees
 30 Years Fixed
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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.
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