| Conventional | |||
|---|---|---|---|
| Product | Rate | APR | Points |
| 30 Year Fixed | 6.375% | 6.471% | 0.000 |
| 30 Year Fixed HIGH BALANCE $806,250 - $1,209,750 | 6.875% | 6.947% | 0.000 |
| SECOND HOME PROGRAM | 6.375% | 6.513% | 0.750 |
| 20 Year Fixed | 6.375% | 6.502% | 0.000 |
| 15 Year Fixed | 6.125% | 6.280% | 0.000 |
| 10 Year Fixed | 6.000% | 6.216% | 0.000 |
| ARMS | |||
|---|---|---|---|
| Product | Rate | APR | Points |
| 10yr/6mo SOFR ARM up to $3M | 6.625% | 7.016% | 0.000 |
| 7yr/6mo SOFR ARM up to $3M | 6.000% | 6.777% | 0.000 |
| 5yr/6mo SOFR ARM up to $3M | 5.875% | 6.903% | 0.000 |
30 Year Fixed
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $280,000 and an estimated property value of $350,000. LTV of 80% or less. The property is an existing single family residence located in New York and will be used as a primary residence. See SECOND HOME PROGRAM* for nonprimary properties. Posted rates also include refinance transactions and assume LTV of 60% or less. All products have no prepayment penalties.
Rates based on FICO scores of at least 740 and debt to income ratios of 45% or less. Other rates available for higher LTV's and for cash out refinances and for lower FICO scores and higher debt ratios.
SUPER CONFORMING fixed product limited to properties located in High Cost Areas as designated by the Federal Housing Finance Agency - list available at www.fhfa.gov Max 95% LTV purchase/rate term refinance. Max 60% cash-out LTV. Other rates available for higher LTV's on Super Conforming fixed rate loans.
FREE 60 DAY RATE LOCKS WITH FLOAT DOWN OPTIONS AVAILABLE - contact us for lock hours and procedures.
ARMs UP TO $1M 90% LTV JUMBO ARMs over $1M up to 85% LTV
Pricing for condos, second homes, properties outside NY and higher LTV's are available. LTV's over 80% require PMI.
At a 6.375% interest rate, the APR for this loan type is 6.471%. The monthly payment schedule would be:
360 payments of $1,746.83 at an interest rate of 6.375%
If an escrow account is required or requested, the actual payment will also include amounts for real estate taxes and homeowner's insurance premiums.
30 Year Fixed HIGH BALANCE $806,250 - $1,209,750
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $825,000 and an estimated property value of $1,035,000. LTV of 80% or less. The property is an existing single family residence located in New York and will be used as a primary residence. See SECOND HOME PROGRAM* for nonprimary properties. Posted rates also include refinance transactions and assume LTV of 60% or less. All products have no prepayment penalties.
Rates based on FICO scores of at least 740 and debt to income ratios of 45% or less. Other rates available for higher LTV's and for cash out refinances and for lower FICO scores and higher debt ratios.
SUPER CONFORMING fixed product limited to properties located in High Cost Areas as designated by the Federal Housing Finance Agency - list available at www.fhfa.gov Max 95% LTV purchase/rate term refinance. Max 60% cash-out LTV. Other rates available for higher LTV's on Super Conforming fixed rate loans.
FREE 60 DAY RATE LOCKS WITH FLOAT DOWN OPTIONS AVAILABLE - contact us for lock hours and procedures.
ARMs UP TO $1M 90% LTV JUMBO ARMs over $1M up to 85% LTV
Pricing for condos, second homes, properties outside NY and higher LTV's are available. LTV's over 80% require PMI.
At a 6.875% interest rate, the APR for this loan type is 6.947%. The monthly payment schedule would be:
360 payments of $5,419.66 at an interest rate of 6.875%
If an escrow account is required or requested, the actual payment will also include amounts for real estate taxes and homeowner's insurance premiums.
SECOND HOME PROGRAM
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $675,000 and an estimated property value of $750,000. LTV of 80% or less. The property is an existing single family residence located in New York and will be used as a primary residence. See SECOND HOME PROGRAM* for nonprimary properties. Posted rates also include refinance transactions and assume LTV of 60% or less. All products have no prepayment penalties.
Rates based on FICO scores of at least 740 and debt to income ratios of 45% or less. Other rates available for higher LTV's and for cash out refinances and for lower FICO scores and higher debt ratios.
SUPER CONFORMING fixed product limited to properties located in High Cost Areas as designated by the Federal Housing Finance Agency - list available at www.fhfa.gov Max 95% LTV purchase/rate term refinance. Max 60% cash-out LTV. Other rates available for higher LTV's on Super Conforming fixed rate loans.
FREE 60 DAY RATE LOCKS WITH FLOAT DOWN OPTIONS AVAILABLE - contact us for lock hours and procedures.
ARMs UP TO $1M 90% LTV JUMBO ARMs over $1M up to 85% LTV
Pricing for condos, second homes, properties outside NY and higher LTV's are available. LTV's over 80% require PMI.
At a 6.375% interest rate, the APR for this loan type is 6.513%. The monthly payment schedule would be:
360 payments of $4,211.12 at an interest rate of 6.375%
If an escrow account is required or requested, the actual payment will also include amounts for real estate taxes and homeowner's insurance premiums.
20 Year Fixed
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $280,000 and an estimated property value of $350,000. LTV of 80% or less. The property is an existing single family residence located in New York and will be used as a primary residence. See SECOND HOME PROGRAM* for nonprimary properties. Posted rates also include refinance transactions and assume LTV of 60% or less. All products have no prepayment penalties.
Rates based on FICO scores of at least 740 and debt to income ratios of 45% or less. Other rates available for higher LTV's and for cash out refinances and for lower FICO scores and higher debt ratios.
SUPER CONFORMING fixed product limited to properties located in High Cost Areas as designated by the Federal Housing Finance Agency - list available at www.fhfa.gov Max 95% LTV purchase/rate term refinance. Max 60% cash-out LTV. Other rates available for higher LTV's on Super Conforming fixed rate loans.
FREE 60 DAY RATE LOCKS WITH FLOAT DOWN OPTIONS AVAILABLE - contact us for lock hours and procedures.
ARMs UP TO $1M 90% LTV JUMBO ARMs over $1M up to 85% LTV
Pricing for condos, second homes, properties outside NY and higher LTV's are available. LTV's over 80% require PMI.
At a 6.375% interest rate, the APR for this loan type is 6.502%. The monthly payment schedule would be:
240 payments of $2,067.05 at an interest rate of 6.375%
If an escrow account is required or requested, the actual payment will also include amounts for real estate taxes and homeowner's insurance premiums.
15 Year Fixed
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $280,000 and an estimated property value of $350,000. LTV of 80% or less. The property is an existing single family residence located in New York and will be used as a primary residence. See SECOND HOME PROGRAM* for nonprimary properties. Posted rates also include refinance transactions and assume LTV of 60% or less. All products have no prepayment penalties.
Rates based on FICO scores of at least 740 and debt to income ratios of 45% or less. Other rates available for higher LTV's and for cash out refinances and for lower FICO scores and higher debt ratios.
SUPER CONFORMING fixed product limited to properties located in High Cost Areas as designated by the Federal Housing Finance Agency - list available at www.fhfa.gov Max 95% LTV purchase/rate term refinance. Max 60% cash-out LTV. Other rates available for higher LTV's on Super Conforming fixed rate loans.
FREE 60 DAY RATE LOCKS WITH FLOAT DOWN OPTIONS AVAILABLE - contact us for lock hours and procedures.
ARMs UP TO $1M 90% LTV JUMBO ARMs over $1M up to 85% LTV
Pricing for condos, second homes, properties outside NY and higher LTV's are available. LTV's over 80% require PMI.
At a 6.125% interest rate, the APR for this loan type is 6.280%. The monthly payment schedule would be:
180 payments of $2,381.74 at an interest rate of 6.125%
If an escrow account is required or requested, the actual payment will also include amounts for real estate taxes and homeowner's insurance premiums.
10 Year Fixed
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $280,000 and an estimated property value of $350,000. LTV of 80% or less. The property is an existing single family residence located in New York and will be used as a primary residence. See SECOND HOME PROGRAM* for nonprimary properties. Posted rates also include refinance transactions and assume LTV of 60% or less. All products have no prepayment penalties.
Rates based on FICO scores of at least 740 and debt to income ratios of 45% or less. Other rates available for higher LTV's and for cash out refinances and for lower FICO scores and higher debt ratios.
SUPER CONFORMING fixed product limited to properties located in High Cost Areas as designated by the Federal Housing Finance Agency - list available at www.fhfa.gov Max 95% LTV purchase/rate term refinance. Max 60% cash-out LTV. Other rates available for higher LTV's on Super Conforming fixed rate loans.
FREE 60 DAY RATE LOCKS WITH FLOAT DOWN OPTIONS AVAILABLE - contact us for lock hours and procedures.
ARMs UP TO $1M 90% LTV JUMBO ARMs over $1M up to 85% LTV
Pricing for condos, second homes, properties outside NY and higher LTV's are available. LTV's over 80% require PMI.
At a 6.000% interest rate, the APR for this loan type is 6.216%. The monthly payment schedule would be:
120 payments of $3,108.57 at an interest rate of 6.000%
If an escrow account is required or requested, the actual payment will also include amounts for real estate taxes and homeowner's insurance premiums.
7yr/6mo SOFR ARM up to $3M
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $280,000 and an estimated property value of $350,000. LTV of 80% or less. The property is an existing single family residence located in New York and will be used as a primary residence. See SECOND HOME PROGRAM* for nonprimary properties. Posted rates also include refinance transactions and assume LTV of 60% or less. All products have no prepayment penalties.
Rates based on FICO scores of at least 740 and debt to income ratios of 45% or less. Other rates available for higher LTV's and for cash out refinances and for lower FICO scores and higher debt ratios.
SUPER CONFORMING fixed product limited to properties located in High Cost Areas as designated by the Federal Housing Finance Agency - list available at www.fhfa.gov Max 95% LTV purchase/rate term refinance. Max 60% cash-out LTV. Other rates available for higher LTV's on Super Conforming fixed rate loans.
FREE 60 DAY RATE LOCKS WITH FLOAT DOWN OPTIONS AVAILABLE - contact us for lock hours and procedures.
ARMs UP TO $1M 90% LTV JUMBO ARMs over $1M up to 85% LTV
Pricing for condos, second homes, properties outside NY and higher LTV's are available. LTV's over 80% require PMI.
At a 6.000% interest rate, the APR for this loan type is 6.777%. The monthly payment schedule would be:
84 payments of $1,678.74 at an interest rate of 6.000%
276 payments of $1,879.39 at an interest rate of 7.301%
If an escrow account is required or requested, the actual payment will also include amounts for real estate taxes and homeowner's insurance premiums.
*Interest rate under this ARM program can change after 84 months and every 6 months thereafter. The first interest rate adjustment can increase or decrease up to 5 percentage points. Every 6 months thereafter, the interest rate cannot increase or decrease more than 1 percentage point per adjustment. Interest rate will never be greater than 5 percentage points above the initial rate or lower than 5 percentage points lower than initial rate. Rate will never adjust below margin.
7yr/5yr SOFR ARM SPECIAL -after 7yrs adjusts every 5 years - loans up to $3M
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $280,000 and an estimated property value of $350,000. LTV of 80% or less. The property is an existing single family residence located in New York and will be used as a primary residence. See SECOND HOME PROGRAM* for nonprimary properties. Posted rates also include refinance transactions and assume LTV of 60% or less. All products have no prepayment penalties.
Rates based on FICO scores of at least 740 and debt to income ratios of 45% or less. Other rates available for higher LTV's and for cash out refinances and for lower FICO scores and higher debt ratios.
SUPER CONFORMING fixed product limited to properties located in High Cost Areas as designated by the Federal Housing Finance Agency - list available at www.fhfa.gov Max 95% LTV purchase/rate term refinance. Max 60% cash-out LTV. Other rates available for higher LTV's on Super Conforming fixed rate loans.
FREE 60 DAY RATE LOCKS WITH FLOAT DOWN OPTIONS AVAILABLE - contact us for lock hours and procedures.
ARMs UP TO $1M 90% LTV JUMBO ARMs over $1M up to 85% LTV
Pricing for condos, second homes, properties outside NY and higher LTV's are available. LTV's over 80% require PMI.
At a 6.000% interest rate, the APR for this loan type is 6.868%. The monthly payment schedule would be:
84 payments of $1,678.74 at an interest rate of 6.000%
If an escrow account is required or requested, the actual payment will also include amounts for real estate taxes and homeowner's insurance premiums.
5yr/6mo SOFR ARM up to $3M
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $280,000 and an estimated property value of $350,000. LTV of 80% or less. The property is an existing single family residence located in New York and will be used as a primary residence. See SECOND HOME PROGRAM* for nonprimary properties. Posted rates also include refinance transactions and assume LTV of 60% or less. All products have no prepayment penalties.
Rates based on FICO scores of at least 740 and debt to income ratios of 45% or less. Other rates available for higher LTV's and for cash out refinances and for lower FICO scores and higher debt ratios.
SUPER CONFORMING fixed product limited to properties located in High Cost Areas as designated by the Federal Housing Finance Agency - list available at www.fhfa.gov Max 95% LTV purchase/rate term refinance. Max 60% cash-out LTV. Other rates available for higher LTV's on Super Conforming fixed rate loans.
FREE 60 DAY RATE LOCKS WITH FLOAT DOWN OPTIONS AVAILABLE - contact us for lock hours and procedures.
ARMs UP TO $1M 90% LTV JUMBO ARMs over $1M up to 85% LTV
Pricing for condos, second homes, properties outside NY and higher LTV's are available. LTV's over 80% require PMI.
At a 5.875% interest rate, the APR for this loan type is 6.903%. The monthly payment schedule would be:
60 payments of $1,656.30 at an interest rate of 5.875%
300 payments of $1,888.91 at an interest rate of 7.301%
If an escrow account is required or requested, the actual payment will also include amounts for real estate taxes and homeowner's insurance premiums.
*Interest rate under this ARM program can change after 60 months and every 6 months thereafter. The first interest rate adjustment can increase or decrease up to 2 percentage points. Every 6 months thereafter, the interest rate cannot increase or decrease more than 1 percentage point per adjustment. Interest rate will never be greater than 5 percentage points above the initial rate or lower than 5 percentage points lower than initial rate. Rate will never adjust below margin.
5yr/5yr SOFR ARM -adjusts every 5 years - loans up to $3M
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $280,000 and an estimated property value of $350,000. LTV of 80% or less. The property is an existing single family residence located in New York and will be used as a primary residence. See SECOND HOME PROGRAM* for nonprimary properties. Posted rates also include refinance transactions and assume LTV of 60% or less. All products have no prepayment penalties.
Rates based on FICO scores of at least 740 and debt to income ratios of 45% or less. Other rates available for higher LTV's and for cash out refinances and for lower FICO scores and higher debt ratios.
SUPER CONFORMING fixed product limited to properties located in High Cost Areas as designated by the Federal Housing Finance Agency - list available at www.fhfa.gov Max 95% LTV purchase/rate term refinance. Max 60% cash-out LTV. Other rates available for higher LTV's on Super Conforming fixed rate loans.
FREE 60 DAY RATE LOCKS WITH FLOAT DOWN OPTIONS AVAILABLE - contact us for lock hours and procedures.
ARMs UP TO $1M 90% LTV JUMBO ARMs over $1M up to 85% LTV
Pricing for condos, second homes, properties outside NY and higher LTV's are available. LTV's over 80% require PMI.
At a 5.875% interest rate, the APR for this loan type is 6.998%. The monthly payment schedule would be:
60 payments of $1,656.30 at an interest rate of 5.875%
If an escrow account is required or requested, the actual payment will also include amounts for real estate taxes and homeowner's insurance premiums.
10yr/6mo SOFR ARM up to $3M
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $280,000 and an estimated property value of $350,000. LTV of 80% or less. The property is an existing single family residence located in New York and will be used as a primary residence. See SECOND HOME PROGRAM* for nonprimary properties. Posted rates also include refinance transactions and assume LTV of 60% or less. All products have no prepayment penalties.
Rates based on FICO scores of at least 740 and debt to income ratios of 45% or less. Other rates available for higher LTV's and for cash out refinances and for lower FICO scores and higher debt ratios.
SUPER CONFORMING fixed product limited to properties located in High Cost Areas as designated by the Federal Housing Finance Agency - list available at www.fhfa.gov Max 95% LTV purchase/rate term refinance. Max 60% cash-out LTV. Other rates available for higher LTV's on Super Conforming fixed rate loans.
FREE 60 DAY RATE LOCKS WITH FLOAT DOWN OPTIONS AVAILABLE - contact us for lock hours and procedures.
ARMs UP TO $1M 90% LTV JUMBO ARMs over $1M up to 85% LTV
Pricing for condos, second homes, properties outside NY and higher LTV's are available. LTV's over 80% require PMI.
At a 6.625% interest rate, the APR for this loan type is 7.016%. The monthly payment schedule would be:
120 payments of $1,792.87 at an interest rate of 6.625%
240 payments of $1,889.35 at an interest rate of 7.301%
If an escrow account is required or requested, the actual payment will also include amounts for real estate taxes and homeowner's insurance premiums.
*Interest rate under this ARM program can change after 120 months and every 6 months thereafter. The first interest rate adjustment can increase or decrease up to 5.000 percentage points. Every 6 months thereafter, the interest rate cannot increase or decrease more than 1 percentage point per adjustment. Interest rate will never be greater than 5 percentage points above the initial rate or lower than 5 percentage points lower than initial rate. Rate will never adjust below margin.