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Mortgages - Fixed Rates

Fixed Rate Mortgage - Full Closing Cost Program

Term in Years
Rate
Points
APR
Term in Years30 Year
Rate 4.125% 4.000% 3.875%
Points -0.250 0.500 1.000
APR 4.168% 4.084% 4.000%
Term in Years20 year
Rate 3.875% 3.750% 3.625%
Points -0.500 0.125 0.875
APR 3.933% 3.823% 3.784%
Term in Years15 year
Rate 3.625% 3.500% 3.375%
Points -0.500 0.000 0.375
APR 3.700% 3.574% 3.504%
Term in Years10 year
Rate 3.375% 3.250% 3.125%
Points -0.500 0.000 0.375
APR 3.357% 3.232% 3.186%

Fixed Rate Jumbo Mortgage - Full Closing Cost Program

Term in Years
Rate
Points
APR
Term in Years30 Year
Rate 4.125% 4.000% 3.875%
Points -0.250 0.500 1.000
APR 4.133% 4.008% 3.883%
Term in Years20 year
Rate 3.875% 3.750% 3.625%
Points -0.500 0.125 0.875
APR 3.886% 3.761% 3.636%
Term in Years15 year
Rate 3.625% 3.500% 3.375%
Points -0.500 0.000 0.375
APR 3.639% 3.513% 3.443%
Term in Years10 year
Rate 3.375% 3.250% 3.125%
Points -0.500 0.000 0.375
APR 3.263% 3.138% 3.067%

Rates accurate as of . Rates are subject to change without notice. Actual rates may vary.

APR = Annual Percentage Rate. Rates subject to credit evaluation. Actual rates may vary.

All rates are quoted based on a 45-day rate lock for primary resident properties located in New York State. ESL does not charge for standard rate locks that range from 45 to 60 days. Material changes in loan terms brought about by credit qualifications, collateral value, or other factors may void a rate lock.

Conventional Loans: Balance less than or equal to $424,100 for single family, owner occupied; Balance less than or equal to $543,000 for two-family, owner occupied.

Jumbo Loans: Balance over $424,100 for single family, owner occupied; balance over $543,000 for two-family, owner occupied.

Payment Examples


Home Possible® Mortgage - Purchase

Term in Years
Rate
Points
APR
Term in Years30 year
Rate 4.000%
Points 0.500
APR 4.084%
Term in Years20 year
Rate 3.750%
Points 0.125
APR 3.823%
Term in Years15 year
Rate 3.500%
Points 0.000
APR 3.574%

Rates accurate as of . Rates are subject to change without notice. Actual rates may vary.

APR = Annual Percentage Rate. Rates subject to credit evaluation. Actual rates may vary.

All rates are quoted based on a 45-day rate lock for primary resident properties located in New York State. ESL does not charge for standard rate locks that range from 45 to 60 days. Material changes in loan terms brought about by credit qualifications, collateral value, or other factors may void a rate lock.

Conventional Loans: Balance less than or equal to $424,100 for single family, owner occupied; Balance less than or equal to $543,000 for two-family, owner occupied.

Jumbo Loans: Balance over $424,100 for single family, owner occupied; balance over $543,000 for two-family, owner occupied.

Payment Examples

Home Possible® Advantage Mortgage - Purchase

Term in Years
Rate
Points
APR
Term in Years30 year
Rate 4.000%
Points 0.500
APR 4.084%
Term in Years20 year
Rate 3.750%
Points 0.125
APR 3.823%
Term in Years15 year
Rate 3.500%
Points 0.000
APR 3.574%

Rates accurate as of . Rates are subject to change without notice. Actual rates may vary.

APR = Annual Percentage Rate. Rates subject to credit evaluation. Actual rates may vary.

All rates are quoted based on a 45-day rate lock for primary resident properties located in New York State. ESL does not charge for standard rate locks that range from 45 to 60 days. Material changes in loan terms brought about by credit qualifications, collateral value, or other factors may void a rate lock.

Conventional Loans: Balance less than or equal to $424,100 for single family, owner occupied; Balance less than or equal to $543,000 for two-family, owner occupied.

Jumbo Loans: Balance over $424,100 for single family, owner occupied; balance over $543,000 for two-family, owner occupied.

Payment Examples

FHA Mortgage

Term in Years
Rate
Points
APR
Term in Years30 year
Rate 4.000%
Points -0.250
APR 4.992%

Rates accurate as of . Rates are subject to change without notice. Actual rates may vary.

APR = Annual Percentage Rate. Rates subject to credit evaluation. Actual rates may vary.

All rates are quoted based on a 60-day rate lock and are for properties located in Monroe, Ontario, Orleans, Wayne, Livingston, and Genesee Counties in the state of New York. Not available on properties listed for sale or second homes. ESL does not charge for standard rate locks that range from 45 to 60 days. Material changes in loan terms brought about by credit qualifications, collateral value, or other factors may void a rate lock.

FHA Loans: Current FHA loan limits for one family, owner occupied property in counties we serve is $275,665. Higher limits are available for multiple family dwellings.

Payment Examples