Skip To Content

Mortgages - Fixed Rates

Fixed Rate Mortgage - Full Closing Cost Program

Term in Years
Rate
Points
APR
Term in Years30 Year
Rate 4.875% 4.750% 4.625%
Points -0.500 0.000 0.625
APR 4.920% 4.794% 4.723%
Term in Years20 year
Rate 4.625% 4.500% 4.375%
Points -0.250 0.250 0.875
APR 4.685% 4.589% 4.538%
Term in Years15 year
Rate 4.625% 4.500% 4.375%
Points -0.250 0.125 0.250
APR 4.702% 4.595% 4.489%
Term in Years10 year
Rate 4.375% 4.250% 4.125%
Points -0.250 0.125 0.250
APR 4.485% 4.386% 4.288%

Fixed Rate Jumbo Mortgage - Full Closing Cost Program

Term in Years
Rate
Points
APR
Term in Years30 Year
Rate 4.875% 4.750% 4.625%
Points -0.500 0.000 0.625
APR 4.883% 4.758% 4.687%
Term in Years20 year
Rate 4.625% 4.500% 4.375%
Points -0.250 0.250 0.875
APR 4.636% 4.540% 4.489%
Term in Years15 year
Rate 4.625% 4.500% 4.375%
Points -0.250 0.125 0.250
APR 4.639% 4.533% 4.426%
Term in Years10 year
Rate 4.375% 4.250% 4.125%
Points -0.250 0.125 0.250
APR 4.389% 4.282% 4.176%

Investment Property Fixed Rate Mortgage

Term in Years
Rate
Points
APR
Term in Years15 year
Rate 5.250%
Points 0.250
APR 5.367%

Investment Property Balloon Mortgage

Term in Years
Rate
Points
APR
Term in Years10 year fixed rate / 30 year amortization
Rate 5.000%
Points 0.125
APR 5.056%
Term in Years15 year fixed rate / 30 year amortization
Rate 5.125%
Points 0.375
APR 5.204%

Rates accurate as of Rates are subject to change without notice.

Annual Percentage Rates (APRs) are subject to credit evaluation. Actual rates may vary.

All rates quoted are based on 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 45-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 $453,100 for single family, owner occupied, and non-owner occupied; Balance less than or equal to $580,150 for two-family, owner occupied, and non-owner occupied.

Jumbo Loans: Balance over $453,100 for single family, owner occupied; balance over $580,150 for two-family, owner occupied.

Payment Examples

Home Possible® Mortgage

Term in Years
Rate
Points
APR
Term in Years30 year
Rate 4.750%
Points 0.000
APR 4.794%
Term in Years20 year
Rate 4.500%
Points 0.250
APR 4.589%
Term in Years15 year
Rate 4.500%
Points 0.125
APR 4.595%

Rates accurate as of Rates are subject to change without notice.

Annual Percentage Rates (APRs) are subject to credit evaluation. Actual rates may vary.

All rates quoted are based on 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 45-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 $453,100 for single family, owner occupied; Balance less than or equal to $580,150 for two-family, owner occupied.

Jumbo Loans: Balance over $453,100 for single family, owner occupied.

Payment Examples

HomeOne℠ Mortgage

Term in Years
Rate
Points
APR
Term in Years30 year
Rate 4.750%
Points 0.000
APR 4.794%
Term in Years20 year
Rate 4.500%
Points 0.250
APR 4.589%
Term in Years15 year
Rate 4.500%
Points 0.125
APR 4.595%

Rates accurate as of Rates are subject to change without notice.

Annual Percentage Rates (APRs) are subject to credit evaluation. Actual rates may vary.

All rates quoted are based on 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 45-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 $453,100 for single family, owner occupied.

Payment Examples

FHA Mortgage

Term in Years
Rate
Points
APR
Term in Years30 year
Rate 4.500%
Points 0.000
APR 5.494%

Rates accurate as of Rates are subject to change without notice.

Annual Percentage Rates (APRs) are subject to credit evaluation. Actual rates may vary.

All rates quoted are based on 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 $294,515. Higher limits are available for multiple family dwellings.

Payment Examples