New York Refinance Rates

Despite our crazy economic downturn, not every homeowner in New York has negative equity right now. And with refinancing interest rates still hovering near record lows, those with equity are likely asking themselves whether it's a good time to refinance.

LenderMortgage
Type
RatePointsAPRMonthly
Payment
Features


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3/1 Yr. ARM
3/1 Yr. ARM
3/1 Yr. ARM
5/1 Yr. ARM
5/1 Yr. ARM
5/1 Yr. ARM
7/1 Yr. ARM
7/1 Yr. ARM
7/1 Yr. ARM
FHA 30 Yr.
FHA 30 Yr.
FHA 30 Yr.
FHA 15 Yr.
FHA 15 Yr.
VA 30 Yr.
VA 30 Yr.
VA 30 Yr.
30 Yr. Fixed
30 Yr. Fixed
4.250%
4.375%
4.500%
3.375%
4.500%
4.625%
4.250%
4.500%
4.750%
3.125%
3.250%
3.375%
3.250%
3.375%
3.250%
3.375%
4.500%
3.500%
3.625%
2
1

2
1

2
1

2
1

1

1

2
1

5.178%
5.123%
5.067%
4.736%
5.068%
5.029%
4.957%
4.995%
5.032%
3.362%
3.410%
3.457%
3.542%
3.524%
3.410%
3.457%
4.756%
3.662%
3.708%
$738
$749
$760
$663
$760
$771
$738
$760
$782
$643
$653
$663
$1,054
$1,063
$653
$663
$760
$674
$684
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30 Yr. Fixed
4.250%

4.250%
$738
  • Historically Low Interest Rates - $100 Billion Funded
  • Cash-Out and Debt Consolidation Options
  • No Lender Closing Cost Options Available

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5/1 Yr. ARM
7/1 Yr. ARM
7/1 Yr. ARM
FHA 30 Yr.
4.375%
4.000%
4.250%
4.500%
1
2
1
1
5.025%
4.838%
4.876%
4.675%
$749
$716
$738
$760
  • Compare up to 5 Offers, Against a Network of 1000s of Lenders
  • 3.75% APR
  • Fixed Rate 15yr

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If you took advantage of low rates last fall or in 2009, you probably won't see much savings by refinancing now. But if you haven't yet refinanced since 2008, you might want to check in and see what kind of savings refinancing might afford you.

Refinancing used to almost always mean the owner was taking some cash out in the process. That's because values had climbed pretty steadily (and steeply in many areas) for several years in a row. But today, the story is much different. Even if you have equity, it may not have climbed enough for cashing out to make sense.

With rates this low, it's a good time to sit down and discuss whether refinancing would improve your loan situation. We all know that rates are fleeting and what's here today may be gone tomorrow.