Compare Today’s Mortgage Rates for Waterford, New York

Pureloan searches all major banks and mortgage lenders for the best home loan rates in Waterford, New York 12188. 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 $18,373 or $51 / month in Waterford 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 Waterford, New York 12188.

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Summary of Average Mortgage Terms in Waterford, New York 12188

Rate

APR

Expected Savings

Monthly Payment

Total Closing Costs

Historical Mortgage Rates for Waterford, New York 12188 from 2012 - 2019

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.

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%
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