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Mortgages - Fixed Rates

Purchase interest rates accurate as of Refinance interest rates are not displayed and will be different from purchases. Actual Rates will fluctuate throughout the day and are subject to change without notice.

Fixed Rate Mortgage - Full Closing Cost Program

Term in Years Rate Points APR
30 Year 3.125% -0.125 3.165%
3.000% 0.375 3.070%
2.875% 0.875 2.984%
20 year 3.000% -0.125 3.057%
2.875% 0.375 2.973%
2.750% 1.125 2.931%
15 year 2.875% -0.375 2.948%
2.750% 0.000 2.823%
2.625% 0.375 2.751%
10 year 2.750% -0.500 2.856%
2.625% 0.000 2.731%
2.500% 0.500 2.711%

Fixed Rate Jumbo Mortgage - Full Closing Cost Program

Term in Years Rate Points APR
30 Year 3.125% -0.125 3.132%
3.000% 0.375 3.037%
2.875% 0.875 2.951%
20 year 3.000% -0.125 3.010%
2.875% 0.375 2.927%
2.750% 1.125 2.885%
15 year 2.875% -0.375 2.888%
2.750% 0.000 2.763%
2.625% 0.375 2.692%
10 year 2.750% -0.500 2.763%
2.625% 0.000 2.638%
2.500% 0.500 2.584%

Investment Property Fixed Rate Mortgage

Term in Years Rate Points APR
15 year 3.875% 0.125 3.969%

Investment Property Balloon Mortgage

Term in Years Rate Points APR
10 year fixed rate / 30 year amortization 3.500% 0.000 3.541%
15 year fixed rate / 30 year amortization 4.375% 0.000 4.418%

Purchase interest rates accurate as of Refinance interest rates are not displayed and will be different from purchases. Actual Rates will fluctuate throughout the day and are subject to change without notice.

Annual Percentage Rates (APRs) are subject to credit evaluation.

All rates quoted are based on a purchase of a single family residence for properties located within Genesee, Livingston, Monroe, Ontario, Orleans, Seneca, Steuben, Wayne, Wyoming, and Yates Counties in the state of New York that have a 60% loan to value (LTV) and at least a 740 credit score with a 60-day rate lock period. There are other credit based interest rates available for loan to values exceeding 60%. Material changes in loan terms brought about by credit qualifications, collateral value, or other factors may void a rate lock.

Conventional and Investment Loans: Balance less than or equal to $510,400 for single family, owner occupied, and non-owner occupied; Balance less than or equal to $653,550 for two-family, owner occupied, and non-owner occupied.

Jumbo Loans: Balance over $510,400 for single family, owner occupied; balance over $653,550 for two-family, owner occupied.

Payment Examples

Home Possible® Mortgage

Term in Years Rate Points APR
30 year 3.000% 0.375 3.070%
20 year 2.875% 0.375 2.973%
15 year 2.750% 0.000 2.823%

Purchase interest rates accurate as of Refinance interest rates are not displayed and will be different from purchases. Actual Rates will fluctuate throughout the day and are subject to change without notice.

Annual Percentage Rates (APRs) are subject to credit evaluation.

All rates quoted are based on a purchase of a single family, primary residence for properties located in Genesee, Livingston, Monroe, Ontario, Orleans, Seneca, Steuben, Wayne, Wyoming, and Yates Counties in the state of New York that have a 60% loan to value (LTV) and at least a 740 credit score with a 60-day rate lock period. There are other credit based interest rates available for loan to values exceeding 60%. 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 $510,400 for single family, owner occupied; Balance less than or equal to $653,550 for two-family, owner occupied.

Jumbo Loans: Balance over 510,400 for single family, owner occupied.

Payment Examples

HomeOne℠ Mortgage

Term in Years Rate Points APR
30 year 3.000% 0.375 3.070%
20 year 2.875% 0.375 2.973%
15 year 2.750% 0.000 2.823%

Purchase interest rates accurate as of Refinance interest rates are not displayed and will be different from purchases. Actual Rates will fluctuate throughout the day and are subject to change without notice.

Annual Percentage Rates (APRs) are subject to credit evaluation.

All rates quoted are based on a purchase of a single family, primary residence for properties located in Genesee, Livingston, Monroe, Ontario, Orleans, Seneca, Steuben, Wayne, Wyoming, and Yates Counties in the state of New York that have a 60% loan to value (LTV) and at least a 740 credit score with a 60-day rate lock period. There are other credit-based interest rates available for loan to values exceeding 60%. 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 $510,400 for single family, owner occupied; Balance less than or equal to $653,550 for two-family, owner occupied.

Jumbo Loans: Balance over $510,400 for single family, owner occupied.

Payment Examples

FHA Mortgage

Term in Years Rate Points APR
30 year 3.000% -0.625 3.990%

Purchase interest rates accurate as of Refinance interest rates are not displayed and will be different from purchases. Actual Rates will fluctuate throughout the day and are subject to change without notice.

Annual Percentage Rates (APRs) are subject to credit evaluation.

All rates quoted are based on a purchase of a single family, primary residence for properties located in Genesee, Livingston, Monroe, Ontario, Orleans, Seneca, Steuben, Wayne, Wyoming, and Yates Counties in the state of New York that have a 96.5% loan to value (LTV) and at least a 680 credit score with a 60-day rate lock period. There are other credit based interest rates available. 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 $331,760. Higher limits are available for multiple family dwellings.

Payment Examples