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: 01/27/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.730% APR 5.625% Rate 15 day rate lock $1,843 Payment per month
0.530 Points$1,696 Points Fee
$3,691 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.950% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.504 Points$1,613 Points Fee
$2,608 Total Fees$995 Lender Fees
 30 Years Fixed
6.013% APR 5.875% Rate 45 day rate lock $1,893 Payment per month
0.875 Points$2,800 Points Fee
$4,795 Total Fees$1,995 Lender Fees
 30 Years Fixed
Homeowners best kept secret for cash
5.830% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.873 Points$2,794 Points Fee
$2,794 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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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.

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