Compare Today’s Mortgage Rates for Troy, New York

Pureloan searches all major banks and mortgage lenders for the best home loan rates in Troy, New York 12183. 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 $19,924 or $55 / month in Troy and surrounding areas of Albany 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 Troy, New York 12183.

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Summary of Average Mortgage Terms in Troy, New York 12183

Rate

APR

Expected Savings

Monthly Payment

Total Closing Costs

Historical Mortgage Rates for Troy, New York 12183 from 2012 - 2019

We have compiled mortgage rate charts for home loans in Troy, New York and around Albany 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 Troy, New York 12183

If you’re looking to buy a new home in Troy, we have compiled a list of the leading mortgage brokers around Troy, New York 12183 to help you with your search.

Name
Address
Contact

HSBC Bank

600 2nd Ave

Troy NY 12183

(518) 235-0184

http://www.hsbc.com

Commercial Mortgage Network

200 Broadway

Troy NY 12183

(518) 272-3814

A M Funding Group

200 Broadway

Troy NY 12183

(518) 272-8837

Trustco Bank

1700 State St

Troy NY 12183

(518) 274-5420

http://trustcobank.com

American Residential Mortgage

3 Winners Cir

Albany NY 12183

(518) 288-0200

Address

600 2nd Ave

Troy NY

Contact

(518) 235-0184

http://www.hsbc.com

Address

200 Broadway

Troy NY

Contact

(518) 272-3814

Address

200 Broadway

Troy NY

Contact

(518) 272-8837

News on Mortgages and Reverse Mortgages for Troy, New York 12183