Compare Today’s Mortgage Rates in Waterville, New York 13480
Pureloan is a mortgage search engine dedicated to thoroughly searching major lenders and finding you the best mortgage rates in Waterville, New York 13480.
Whether you are seeking a fixed-rate, adjustable-rate (ARM), FHA, VA, USDA, conventional, jumbo, or conforming home mortgage, our search engine explores all the options in Waterville, New York 13480. For a 30-year fixed loan, our calculations show that you can expect to save up to $9,462 over the lifetime of your mortgage, which translates to a monthly savings of $26 in Waterville and other areas of Oneida county.
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Summary of Average Mortgages in Waterville, New York 13480
Rate
APR
Expected Savings
Monthly Payment
Total Closing Costs
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Interactive Mortgage Rate Projections for Waterville, New York 13480
Pureloan has developed an interactive chart to help you forecast and predict mortgage rates in Waterville, NY 13480. This chart tracks the rates of the five largest nationwide lenders based on historical data from closed mortgage financings and projections using our proprietary modeling.
Historical Mortgage Rates in Waterville, New York 13480 from 2024 - 2016
We have compiled mortgage rates charts for home loans in Waterville, New York and around Oneida county to provide insight into trends that may be helpful during your home buying process. This data is derived from actual closed loans.
| 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|
| % 30 year fixed mortgage | 94.09% | 92.35% | 91.57% | 90.40% | 88.48% | 87.59% | 86.16% | 84.71% | 85.22% |
| avg mortgage rate | 6.45% | 4.50% | 3.06% | 3.35% | 4.42% | 4.54% | 4.11% | 3.83% | 4.06% |
| % 15 year fixed mortgage | 5.42% | 5.56% | 6.18% | 7.77% | 7.53% | 9.35% | 9.46% | 11.15% | 10.27% |
| avg mortgage rate | 5.75% | 4.00% | 2.48% | 2.82% | 3.75% | 3.90% | 3.30% | 3.06% | 3.22% |
| Avg credit score | 745.41 | 748.16 | 748.06 | 754.77 | 752.35 | 754.89 | 754.34 | 754.66 | 755.45 |
| Avg LTV (loan to value) | 82.43% | 84.83% | 85.27% | 86.34% | 85.24% | 84.04% | 84.62% | 83.40% | 83.85% |
| Avg DTI (debt to income) | 36.73 | 35.24 | 35.04 | 35.14 | 35.42 | 35.10 | 35.44 | 34.70 | 34.42 |
| % First time homebuyer | 56.65% | 52.14% | 50.28% | 45.94% | 42.40% | 41.67% | 39.93% | 33.76% | 35.11% |
| Avg mortgage insurance % | 13.38% | 15.39% | 15.01% | 15.96% | 14.22% | 14.49% | 13.87% | 13.16% | 13.46% |
Best Mortgage Brokers around Waterville, New York 13480
For those searching for a new home in Waterville, we have compiled a list of the top mortgage brokers located in and around Waterville, New York 13480 to assist you with your search.
Name
Address
Contact
Commonfund Mortgage
41 Notre Dame Ln
Utica NY 13480
(315) 507-4760
http://commonfundmtg.com
Adirondack Mortgage Service
17 Talcott Rd
Utica NY 13480
(315) 733-1848
http://www.adirondackmortgageservice.net/
Estate Homes
2458 State Route 5
Utica NY 13480
(315) 735-2108
info@estatehomes.net
Territory Mortgage
116 Business Park Dr
Utica NY 13480
(315) 792-8021
http://territorymortgage.com
Wells Fargo Home Mortgage
1417 Genesee St
Utica NY 13480
(315) 735-2580
http://www.wellsfargo.com/mortgage/
Address
41 Notre Dame Ln
Utica NY
Contact
(315) 507-4760
http://commonfundmtg.com
Address
17 Talcott Rd
Utica NY
Contact
(315) 733-1848
http://www.adirondackmortgageservice.net/
Address
2458 State Route 5
Utica NY
Contact
(315) 735-2108
info@estatehomes.net