Compare Today’s Mortgage Rates for Waterford, New York

Pureloan searches major banks and mortgage lenders finding the best mortgage rates in Waterford, New York 12188. Pureloan also provides a listing of the best mortgage brokers in your area and a detailed analysis of your future home loan payments. For a 30-year fixed loan, you may expect to have lifetime cash savings of $6,133 or $17 / month in Waterford and other areas of Albany county.

Our search engine explores all home mortgage options in Waterford, New York 12188, 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 Waterford, New York 12188

Rate

APR

Expected Savings

Monthly Payment

Total Closing Costs

Interactive Mortgage Rate Projections for Waterford, NY

Source: Fannie Mae and Freddie Mac


To forecast and predict mortgage rates in Waterford, NY 12188, 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.

Local Mortgage Rates for Waterford, NY

Historical Mortgage Rates for Waterford, New York 12188 from 2013 - 2020

We have compiled mortgage rate charts for home loans in Waterford, 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 Waterford, New York 12188

If you’re looking to buy a new home in Waterford, we have compiled a list of the leading mortgage brokers around Waterford, New York 12188 to help you with your search.

Name
Address
Contact

Southworth Tees

1463 County Highway 39

Worcester NY 12188

(607) 397-9354

American Residential Mortgage

3 Winners Cir

Albany NY 12188

(518) 288-0200

Ameritrust National Mtg Bnkrs

435 New Karner Rd

Albany NY 12188

(518) 862-1414

Homeowners Advantage

18 Computer Dr E

Albany NY 12188

(518) 690-2232

sean_obrien@labor.state.ak.us

Onemain Financial

116 Wolf Rd

Albany NY 12188

(518) 489-3057

wecare@afsindia.com

Address

1463 County Highway 39

Worcester NY

Contact

(607) 397-9354

Address

3 Winners Cir

Albany NY

Contact

(518) 288-0200

Address

435 New Karner Rd

Albany NY

Contact

(518) 862-1414

News on Mortgages and Reverse Mortgages for Waterford, New York 12188