Compare Today’s Mortgage Rates for Schenectady, New York

Pureloan searches all major banks and mortgage lenders for the best home loan rates in Schenectady, New York 12345. We provide popular mortgage brokers in your area and a detailed analysis of your home loan payments. For 30-year fixed, expected lifetime cash savings are $24,862 or $69 / month in Schenectady and surrounding areas of Schenectady county.

Our search engine explores all possible home mortgage options including fixed rate, adjustable rate (ARM), FHA, VA, USDA, conventional, jumbo and conforming home mortgages for Schenectady, New York 12345.

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Summary of Average Mortgage Terms in Schenectady, New York 12345

Rate

APR

Expected Savings

Monthly Payment

Total Closing Costs

Historical Mortgage Rates for Schenectady, New York 12345 from 2012 - 2019

We have compiled mortgage rate charts for home loans in Schenectady, New York and around Schenectady county to help you understand trends for your home purchase process. This data is produced from actual closed loans.

2012 2013 2014 2015 2016 2017 2018 2019
% 30 year fixed mortgage 85.24% 84.89% 84.54% 85.05% 86.64% 83.64% 86.45% 85.03%
avg mortgage rate 4.97% 4.69% 3.88% 3.84% 4.38% 4.00% 3.76% 3.84%
% 15 year fixed mortgage 9.23% 9.73% 11.99% 11.77% 10.18% 13.39% 10.82% 11.90%
avg mortgage rate 4.35% 3.87% 3.11% 2.93% 3.35% 3.16% 2.92% 3.11%
% 10 year fixed mortgage 0.55% 0.21% 0.40% 0.33% 0.23% 0.63%
avg mortgage rate 4.42% 3.25% 3.13% 3.44% 3.31% 2.77%
Avg credit score 764.62 760.54 762.35 762.80 757.56 758.27 757.20 754.73
Avg LTV (loan to value) 75.73% 77.22% 79.87% 80.14% 79.91% 81.99% 81.88% 81.86%
Avg Combined LTV (loan to value) 76.08% 77.31% 79.97% 80.19% 80.12% 82.23% 82.00% 81.91%
Avg DTI (debt to income) 32.54 33.04 32.26 33.03 34.31 33.81 34.02 35.26
% First time homebuyer 36.35% 24.64% 21.61% 27.38% 27.71% 30.66% 28.15% 31.97%
Avg mortgage insurance % 6.56% 7.10% 9.81% 10.35% 10.60% 12.35% 12.22% 11.75%

Data produced from the Financial Report of the US Government

Best Mortgage Brokers Around Schenectady, New York 12345

If you’re looking to buy a new home in Schenectady, we have compiled a list of the leading mortgage brokers around Schenectady, New York 12345 to help you with your search.

Name
Address
Contact

Adirondack Home Mortgage

2004 Cardiff Rd

Schenectady NY 12345

(518) 355-3737

eric_andrew_king@hotmail.com

OneMain Financial

1400 Altamont Ave

Schenectady NY 12345

(518) 357-9761

http://branches.onemainfinancial.com/ny/schenectady/1400-altamont-avenue.html

Adirondack Note Buyers

763 Westmoreland Dr

Schenectady NY 12345

(518) 374-5011

http://www.privatemortgagebuyers.com

Hartford Funding

322 Ballston Rd

Scotia NY 12345

(518) 372-3163

http://www.hartfordfunding.com

Glenville Bank Holding Co.

201 Mohawk Ave

Scotia NY 12345

(518) 370-7200

http://firstscotia.com

Address

2004 Cardiff Rd

Schenectady NY

Contact

(518) 355-3737

eric_andrew_king@hotmail.com

Address

1400 Altamont Ave

Schenectady NY

Contact

(518) 357-9761

http://branches.onemainfinancial.com/ny/schenectady/1400-altamont-avenue.html

Address

763 Westmoreland Dr

Schenectady NY

Contact

(518) 374-5011

http://www.privatemortgagebuyers.com

News on Mortgages and Reverse Mortgages for Schenectady, New York 12345