Mortgage Rates - No Closing Cost Programs1 ^top
FIXED RATES - Upstate New York2 (No Closing Costs)
Other rates apply in Downstate NY3, PA & NJ. Call a Mortgage Originator for details.
For a customized quote of rates and terms visit our Mortgage Center and click on Check Rates. Research tools and calculators are available to provide you closing cost information, amortization schedules and much more. Apply online now.
Rates accurate as of .
| Fixed Rate Loan Amount | Terms/Years | Rate | Points | APR* |
|---|---|---|---|---|
| <20,000 | 30 | 7.625% | 0.000 | 7.678% |
| $20,001 - $40,000 | 30 | 7.250% | 0.000 | 7.301% |
| $40,001 - $70,000 | 30 | 6.750% | 0.000 | 6.800% |
| $70,001 - $130,000 | 30 | 6.500% | 0.000 | 6.549% |
| > $130,000 | 30 | 6.375% | 0.000 | 6.424% |
| Fixed Rate Loan Amount | Terms/Years | Rate | Points | APR* |
|---|---|---|---|---|
| <20,000 | 15 | 7.500% | 0.000 | 7.583% |
| $20,001 - $40,000 | 15 | 7.000% | 0.000 | 7.082% |
| $40,001 - $70,000 | 15 | 6.500% | 0.000 | 6.581% |
| $70,001 - $100,000 | 15 | 6.250% | 0.000 | 6.330% |
| $100,001 - $190,000 | 15 | 6.125% | 0.000 | 6.205% |
| > $190,000 | 15 | 6.000% | 0.000 | 6.080% |
Other fixed rate mortgage programs and point combinations are available. Call 585.336.1502 or 800.352.6669 for product descriptions and rate options.
![[Disclosures]](../images/btn_disclosures.gif)
ADJUSTABLE RATES - Upstate New York (No Closing Costs)
3/1 Adjustable Rate Mortgage
Rates Accurate as of .
| ARM Amount | Initial Rate | Points | APR* | Margin |
|---|---|---|---|---|
| <30,000 | 8.500% | 0.000 | 6.228% | 2.250% |
| $30,001 - $50,000 | 7.875% | 0.000 | 6.059% | 2.250% |
| $50,001 - $80,000 | 7.375% | 0.000 | 5.926% | 2.250% |
| $80,001 - $100,000 | 7.125% | 0.000 | 5.861% | 2.250% |
| $100,001 - $333,700 | 7.000% | 0.000 | 5.828% | 2.250% |
| > $333,700 | 6.875% | 0.000 | 5.796% | 2.250% |
5/1 Adjustable Rate Mortgage
| ARM Amount | Initial Rate | Points | APR* | Margin |
|---|---|---|---|---|
| <30,000 | 8.375% | 0.000 | 6.666% | 2.250% |
| $30,001 - $50,000 | 7.750% | 0.000 | 6.396% | 2.250% |
| $50,001 - $80,000 | 7.250% | 0.000 | 6.185% | 2.250% |
| $80,001 - $100,000 | 7.000% | 0.000 | 6.082% | 2.250% |
| $100,001 - $333,700 | 6.875% | 0.000 | 6.030% | 2.250% |
| > $333,700 | 6.750% | 0.000 | 5.979% | 2.250% |
Call 585.336.1502 or 800.352.6669 for product descriptions and rate options.