Compare Today’s Mortgage Rates in Richmondville, New York 12149
Pureloan is a mortgage search engine dedicated to thoroughly searching major lenders and finding you the best mortgage rates in Richmondville, New York 12149.
Whether you are seeking a fixed-rate, adjustable-rate (ARM), FHA, VA, USDA, conventional, jumbo, or conforming home mortgage, our search engine explores all the options in Richmondville, New York 12149. For a 30-year fixed loan, our calculations show that you can expect to save up to $16,057 over the lifetime of your mortgage, which translates to a monthly savings of $45 in Richmondville and other areas of Schoharie county.
Summary of Average Mortgages in Richmondville, New York 12149
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Interactive Mortgage Rate Projections for Richmondville, New York 12149
Pureloan has developed an interactive chart to help you forecast and predict mortgage rates in Richmondville, NY 12149. This chart tracks the rates of the five largest nationwide lenders based on historical data from closed mortgage financings and projections using our proprietary modeling.
Historical Mortgage Rates in Richmondville, New York 12149 from 2024 - 2016
We have compiled mortgage rates charts for home loans in Richmondville, New York and around Schoharie county to provide insight into trends that may be helpful during your home buying process. This data is derived from actual closed loans.
| 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|
| % 30 year fixed mortgage | 95.04% | 95.01% | 93.15% | 92.58% | 91.30% | 91.53% | 85.63% | 84.39% | 85.21% |
| avg mortgage rate | 6.52% | 4.35% | 3.07% | 3.45% | 4.37% | 4.47% | 4.00% | 3.73% | 3.96% |
| % 15 year fixed mortgage | 3.55% | 3.21% | 4.84% | 5.46% | 7.32% | 6.61% | 9.01% | 12.17% | 12.54% |
| avg mortgage rate | 5.63% | 3.51% | 2.47% | 2.98% | 3.98% | 3.73% | 3.21% | 2.95% | 3.14% |
| Avg credit score | 742.38 | 766.11 | 751.16 | 751.42 | 747.48 | 749.54 | 757.90 | 755.60 | 756.96 |
| Avg LTV (loan to value) | 83.55% | 84.91% | 85.68% | 86.24% | 85.24% | 84.31% | 83.17% | 84.31% | 82.84% |
| Avg DTI (debt to income) | 38.86 | 37.61 | 35.90 | 36.74 | 36.09 | 37.27 | 35.63 | 34.41 | 35.36 |
| % First time homebuyer | 60.28% | 54.72% | 49.06% | 52.84% | 50.57% | 42.86% | 37.75% | 30.16% | 31.83% |
| Avg mortgage insurance % | 14.45% | 15.21% | 15.95% | 17.02% | 14.98% | 14.33% | 12.26% | 13.67% | 13.21% |
Best Mortgage Brokers around Richmondville, New York 12149
For those searching for a new home in Richmondville, we have compiled a list of the top mortgage brokers located in and around Richmondville, New York 12149 to assist you with your search.
Maple Tree Funding
1202 Troy Schenectady Rd
Latham NY 12149
(518) 782-1202
slatza@mapletreefunding.com
Hsbc Bank
494 Troy Schenectady Rd
Latham NY 12149
(518) 783-0017
http://www.us.hsbc.com/1/2/home/customer-service/feedback-questions
OneMain Financial
515 Troy Schenectady Rd
Latham NY 12149
(518) 783-6894
http://branches.onemainfinancial.com/ny/latham/515-troy-schenectady-road.html
Prospect Mortgage
12 Century Hill Dr
Latham NY 12149
(518) 782-2579
https://www.prospectmortgagedirect.com
Wells Fargo Home Mortgage
950 New Loudon Rd
Latham NY 12149
(518) 783-2067
reportphish@wellsfargo.com
Address
1202 Troy Schenectady Rd
Latham NY
Contact
(518) 782-1202
slatza@mapletreefunding.com
Address
494 Troy Schenectady Rd
Latham NY
Contact
(518) 783-0017
http://www.us.hsbc.com/1/2/home/customer-service/feedback-questions
Address
515 Troy Schenectady Rd
Latham NY
Contact
(518) 783-6894
http://branches.onemainfinancial.com/ny/latham/515-troy-schenectady-road.html