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: 05/12/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.013% APR 5.875% Rate 15 day rate lock $1,893 Payment per month
0.866 Points$2,771 Points Fee
$4,766 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.229% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.795 Points$2,544 Points Fee
$3,780 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.471% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.642 Points$2,054 Points Fee
$3,382 Total Fees$1,328 Lender Fees
 30 Years Fixed
Numbers you can trust
As low as 0% down options & down payment assistance
6.199% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.796 Points$2,547 Points Fee
$2,547 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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