Compare Today’s Mortgage Rates for Troy, New York

Pureloan searches mortgage lenders and major banks in Troy, New York 12183 finding the best mortgage rates. We also provide a list of the best mortgage brokers in your area and an analysis of your future home loan payments. For a 30-year fixed loan, lifetime cash savings of $4,792 or $13 / month is expected in Troy and other areas of Albany county.

Pureloan’s search engine explores all home mortgage options in Troy, New York 12183, including fixed rate, adjustable rate (ARM), FHA, VA, USDA, conventional, jumbo and conforming home mortgages.

30 Year Fixed Mortgage Rates Customized for April 21, 2021

Today's 30 Year Fixed Mortgage Rates

Summary of Average Mortgage Terms in Troy, New York 12183

Rate

APR

Expected Savings

Monthly Payment

Total Closing Costs

Interactive and Personalized Mortage Rates Analysis

Source: Fannie Mae and Freddie Mac


To forecast and predict mortgage rates in Troy, NY 12183, Pureloan has created an interactive chart to track the 5 largest nationwide lenders. Historical rates are based on closed mortgage financings, and projections are based on proprietary modeling.

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.

2013 2014 2015 2016 2017 2018 2019 2020
% 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%
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 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