Ossining, NY Mortgage Rates September 2020

Ossining, New York Mortgage Rates - Refinance Rates:

Search and compare mortgage rates and refinance rates in Ossining, NY. Our rate table has a list of Ossining, New York mortgage rates and mortgage refinance rates. You can also use our free mortgage calculator to calculate monthly mortgage payments.

When you start your search for current mortgage rates in Ossining, NY you need to first have an understanding of the types of mortgages available and their corresponding interest rates. Types of rates available in Ossining, NY include conforming mortgage rates, super conforming rates, jumbo rates, adjustable rates, HELOC rates and home equity loan rates. There are variations of each type of mortgage available in Ossining, NY listed below.

Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
in 12211, All points, 740    Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
PERIOD_FIXED_30YEARS Mortgage Loan from RateZip
RateZip
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112437.gif
300000
Purchase
3.498%
3.125%
USD
RateZip Logo
NMLS # 1592292
State Lic # RMB 208791
09/25/2020
at 1.500 pts
30 day lock rate
Est payment: $1,286
Fees in APR: $14,435
Get approved today!
 
PERIOD_FIXED_30YEARS Mortgage Loan from RateZip
RateZip
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112437.gif
300000
Purchase
3.008%
2.625%
USD
RateZip Logo
NMLS # 1592292
State Lic # RMB 208791
09/25/2020
at 1.750 pts
30 day lock rate
Est payment: $1,205
Fees in APR: $15,239
Get approved today!
 
PERIOD_FIXED_30YEARS Mortgage Loan from RateZip
RateZip
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112437.gif
300000
Purchase
2.901%
2.500%
USD
RateZip Logo
NMLS # 1592292
State Lic # RMB 208791
09/25/2020
at 2.000 pts
30 day lock rate
Est payment: $1,186
Fees in APR: $16,097
Get approved today!
 
PERIOD_FIXED_30YEARS Mortgage Loan from RateZip
RateZip
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112437.gif
300000
Purchase
2.712%
2.250%
USD
RateZip Logo
NMLS # 1592292
State Lic # RMB 208791
09/25/2020
at 3.000 pts
30 day lock rate
Est payment: $1,147
Fees in APR: $18,851
Get approved today!
 
PERIOD_FIXED_30YEARS Mortgage Loan from RateZip
RateZip
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112437.gif
300000
Purchase
2.530%
2.375%
USD
RateZip Logo
NMLS # 1592292
State Lic # RMB 208791
09/25/2020
at 2.125 pts
30 day lock rate
Est payment: $1,166
Fees in APR: $6,254
Get approved today!
 
PERIOD_FIXED_30YEARS Mortgage Loan from Rocket Mortgage
Rocket Mortgage
https:https://mortgagerates.icanbuy.com/images/lenderslogos/111574.gif
300000
Purchase
3.567%
3.375%
USD
Rocket Mortgage Logo
NMLS # 3030
09/25/2020
at 2.000 pts
45 day lock rate
Est payment: $1,327
Fees in APR: $7,250
From the lender: We can close your loan in less than a month!
 
PERIOD_FIXED_30YEARS Mortgage Loan from RateZip
RateZip
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112437.gif
300000
Purchase
2.894%
2.875%
USD
RateZip Logo
NMLS # 1592292
State Lic # RMB 208791
09/25/2020
at 0.250 pts
30 day lock rate
Est payment: $1,245
Fees in APR: $770
Get approved today!
 
PERIOD_FIXED_30YEARS Mortgage Loan from RateZip
RateZip
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112437.gif
300000
Purchase
2.812%
2.750%
USD
RateZip Logo
NMLS # 1592292
State Lic # RMB 208791
09/25/2020
at 0.750 pts
30 day lock rate
Est payment: $1,225
Fees in APR: $2,465
Get approved today!
 
PERIOD_FIXED_30YEARS Mortgage Loan from RateZip
RateZip
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112437.gif
300000
Purchase
2.621%
2.500%
USD
RateZip Logo
NMLS # 1592292
State Lic # RMB 208791
09/25/2020
at 1.625 pts
30 day lock rate
Est payment: $1,186
Fees in APR: $4,847
Get approved today!
 
PERIOD_FIXED_30YEARS Mortgage Loan from RateZip
RateZip
https:https://mortgagerates.icanbuy.com/images/lenderslogos/112437.gif
300000
Purchase
2.999%
2.999%
USD
RateZip Logo
NMLS # 1592292
State Lic # RMB 208791
09/25/2020
at -0.250 pts
30 day lock rate
Est payment: $1,265
Fees in APR: ($556)
Get approved today!
 
Data provided by Brown Bag Marketing, Inc. Payments do not include amounts for taxes and insurance premiums. Click here for more information on rates and product details.


Ossining, NY Conforming Mortgage Rates

Conforming mortgage rates are rates on mortgages that meet the criteria set out by the Federal Housing Finance Agency. There are limits set for each county of New York. There are higher mortgage loan limits for designated high-cost areas, like on the coasts and in large cities.

Ossining, NY mortgages that “conform” to the standards set out by the Federal Housing Finance Agency can be purchased by Freddie Mac and Fannie Mae. This process guarantees banks are able to resell Ossining, NY mortgage loans that have been made. As a result, Ossining, NY mortgage rates today are lower than jumbo interest rates in Ossining, NY. Conforming mortgages and jumbo mortgages are available in terms of 40 years, 30 years, 25 years, 20 years, 15 years and 10 years.

Ossining, NY Super Conforming Home Loan Rates

Super conforming mortgages in Ossining, NY are mortgages that have higher mortgage loan amounts but still “conform” to the standards set by the Federal Housing Finance Agency. Super conforming mortgages are available for the higher cost housing areas like the coasts and in large cities.

Ossining, NY Jumbo Loan Interest Rates

Ossining, NY jumbo mortgage rates are rates for mortgage loans that have a dollar amount higher than conforming and super conforming loan amounts. Jumbo home loan rates in Ossining, NY are usually 0.75 basis points higher than conforming mortgage rates in Ossining, NY because there is no guarantee banks and credit unions can sell these mortgages after they make the loans.

Ossining, NY Fixed Rate Mortgages

Fixed rate mortgages are the most common mortgage available in Ossining, NY. The mortgage rate and the monthly payment stay the same for the entire life of the mortgage loan. This makes fixed rate mortgages the most stable and predictable for mortgagees.

Ossining, NY Adjustable Interest Rates

Ossining, NY adjustable mortgages have a fixed mortgage rate for a certain number of years and then the mortgage rate adjusts every year after the initial period. There are usually yearly caps and life time caps on how much the mortgage interest rate and fluctuate. Your monthly mortgage payment will be lower at first but can rise when mortgage rates rise. Adjustable mortgages are available in terms of 1 year, 3 years, 5 years, 7 years and 10 years.

Ossining, NY Interest Only Home Mortgage Rates

Ossining, NY interest only mortgages are mortgages that the borrower pays only the interest on the principal balance or a set period of time. After the initial period the mortgagee pays both interest and principal. Interest only (IO) mortgages were popular during the housing boom.

Ossining, NY FHA Mortgage Mortgage Rates

Borrowers in Ossining, NY must meet certain requirements established by FHA to qualify for a mortgage insured by the FHA. FHA mortgage interest rates in Ossining, NY are usually lower than conforming mortgage interest rates because mortgage lenders bear less risk because FHA will pay the lender if a homeowner defaults on his or her mortgage loan.


Google Map for Ossining, NY Rates & Resources