New York Refinance Rates - September 2026
Brian McKay
Brian McKay
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Current mortgage refinance rates in New York include TEG Federal Credit UnionTEG Federal Credit Union1 Commerce St, Hyde Park, NY, 10941A+5.0 ★Texas Ratio: 3.59% at 6.75%, Actors Federal Credit UnionActors Federal Credit Union165 W 46th St, New York, NY, 10036 1308A-5.0 ★Texas Ratio: 15.01% at 5.79%, TOWN OF HEMPSTEAD EMPLOYEESTOWN OF HEMPSTEAD EMPLOYEES1830 Grand Ave, Hempstead, NY, 11510A+5.0 ★Texas Ratio: 0.82% at 6.00%, Hudson Valley Credit UnionHudson Valley Credit Union101 Tillson Avenue Ext, Albany, NY, 10509 at 6.00%, and Carthage Savings and LoanCarthage Savings and Loan146 Arsenal St, Carthage, NY, 13327A+5.0 ★Texas Ratio: 1.60% at 6.36%. Refinance rates as of September 15, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare refinance rates across all loan types in New York side-by-side. New York refinance rates currently start as low as 5.79% from Actors Federal Credit Union at 165 W 46th St, New York, NY, 10036 1308. Rates are continually updated, so we recommend checking back frequently.
Refinance rates reflect actual verified offers from lenders actively lending to New York homeowners. Your final approved rate will depend on your credit profile, loan-to-value ratio, cash-out amount, and daily market movements. Last Updated and Verified: September 15, 2026
Compare Refinance Rates Today in New York
Rates shown are each lender’s posted rate for that loan type, which most lenders apply to purchase and refinance loans alike. Local New York lenders are listed first in every tab. Among lenders that post both, refinance pricing currently runs about 0.091 points above the same lender’s purchase rate nationally. That premium is shown for context only; every rate in the table is the lender’s posted rate.
New York 30 Year Fixed Refinance Rates
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As Low As
Rates are as low as shown. As an example: A 360 month term at a fixed rate of 6.000% with a 60% LTV would be $59.96 for each $10,000 borrowed. Taxes and insurance are not included; therefore the actual payment obligation will be greater. Actual rate may vary based on creditworthiness and down payment, if applicable. All extensions of credit are subject to credit approval. Rates shown are lowest offered for the loan products advertised. Applicants that are not approved for these loan rates or terms may be offered credit at a higher rate and/or with different terms. All rates and terms are subject to change without notice. Offer may be withdrawn at any time without notice. Contact a credit union employee for further details. Other terms and conditions may apply.
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Points are $3,240. Rates, terms, and fees as of 9/10/2026 10:15 AM Eastern Daylight Time and subject to change without notice.
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Rates Effective August 4, 2026.
Max Loan Cost/Thousand: $832,750
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As Low As
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As low as; Rate as low as
Term: 15 Yr Balloon (30 Yr Amortization); Up to 1.0 points**
Interest Rate*
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Rate as low as; Payment: 1,536.75 *
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Rates are accurate as of 9/9/2026 11:35 AM and are subject to change without notice. All rates quoted are the lowest available rates, actual interest rate will be based on overall creditworthiness. Rates are based on a purchase or no cash out refinance, cash out options may affect your rate. If an escrow account is required or requested , monthly payments may be greater. Ask about other rates and terms.
Points are $2,800. Rates, terms, and fees as of 9/10/2026 10:15 AM Eastern Daylight Time and subject to change without notice.
Rates may include points. See All Mortgage Rates for details.
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Loan Amount: Up to $832,750.00
Rates assume a NY property
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Up to 1.0 points**
Rates as low as
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Payment is based on a $240,000 loan at 80% loan-to-value, purchase of a single-family residence. The posted rates are subject to change without notice. The posted mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history.
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Starting at
Starting at
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New York 15 Year Fixed Refinance Rates
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As low as
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Get peace of mind with predictable monthly payments. Both traditional and short-term options available.
Interest Rate*
Max Loan Cost/Thousand: $832,750
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Rates Effective August 4, 2026.
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80% LTV
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Payment: 2,025.26*
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As Low As
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Points are $2,800. Rates, terms, and fees as of 9/10/2026 10:15 AM Eastern Daylight Time and subject to change without notice.
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Payment is based on a $240,000 loan at 80% loan-to-value, purchase of a single-family residence. The posted rates are subject to change without notice. The posted mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history.
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Rates listed include 0.125% autopay and paperless discount. Rates are for conforming refinance loans, are effective as of 09/11/2026 3:50 PM CT and subject to change at anytime. Rates include a 0.125 percentage point reduction which requires a Citizens consumer checking account set up at time of loan origination with automatic monthly payment deduction. One offer per property. Not applicable to Bond or CRA loans. Other restrictions may apply.
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Starting at
Starting at
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Term: 15 Yr Balloon (30 Yr Amortization); Up to 1.0 points**
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As low as
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As Low As; Excludes taxes and hazard insurance; actual payment will be higher
As low as
New York 5/1 ARM Refinance Rates
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Initial APR*
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As low as; Rate as low as
Enjoy a low initial rate that adjusts with the market. Various terms and options available.
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NY ONLY - APR* as low as (0 pts.): 6.000%
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Rate may adjust every year; Lifetime rate cap of 6.00% above intro rate; Advertised rate is discounted 0.125% for automatic payments from your Trustco Bank deposit account; Rate applies to owner-occupied primary residence loans of $15,000 - $1,000,000, up to 75% Loan to Value.
The total repayment term for this ARM loan is 30 years or 360 payments. For the first 60 months the payment will be $962.90 with a corresponding interest rate of 5.750%; for the remaining 300 months, the estimated payment will be $1,470.34 with a corresponding interest rate of 10.750%. The interest rate and monthly payment amount may vary after the first 60 months.
For the first 60 months the payment will be $962.90 with a corresponding interest rate of 5.750%; for the remaining 300 months, the estimated payment will be $1,470.34 with a corresponding interest rate of 10.750%. The interest rate and monthly payment amount may vary after the first 60 months.
First Cap: +/- 2.00%; Subsequent Cap: +/- 1.00%; Lifetime Cap: +/- 5.00%
Rates effective as of 09/11/2026. APR assumes a $300,000 loan amount with a FICO score of 760 or higher for a loan for an owner-occupied (primary residence), single-family dwelling in New York State with a loan-to-value ratio of 80% or less. Rates on 5/6 ARMs are fixed for the first five years and subsequently subject to change bi-annually. For example, a 5/6 ARM at a fixed initial interest APR of 6.320 % would initially be $ 1,822.83 . Real estate taxes, insurance, and private mortgage insurance (if applicable) are not included; therefore, the actual payment obligation will be greater. After the initial fixed term, rates will adjust based on the index, Secured Overnight Financing Rate (SOFR), and a margin, not to exceed the initial, subsequent or lifetime change cap. Your rate may vary based on your creditworthiness, loan amount, purpose, LTV, lock period, and other credit characteristics. All rates and terms are subject to change without notice. No rate is guaranteed without a valid rate lock. A point is equal to 1% of the loan amount's balance. Private mortgage insurance (PMI) is required on mortgages that exceed 80% loan-to-value (LTV). Contact a TEG Mortgage Officer for further details. Other terms and conditions may apply.
LTV 81% to 90% (No Private Mortgage Insurance Required)
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Max Loan Cost/Thousand: $832,750
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Rates Effective August 4, 2026.
Rate as low as; Payment: 1,343.93 *
Conform / Jumbo: Up to $806,500
As Low As
Initial Interest Rate: 5.500%. Fully Indexed Rate: 6.985%. Maximum Interest Rate: 10.500%. Months to First Rate Adjustment: 60 Months. Interest Only Term: 0 Months. Payment is based on a $240,000 loan at 80% loan-to-value, purchase of a single-family residence. The posted rates are subject to change without notice. The posted mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history.
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Maximum Loan to Value 89%
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As low as
Initial interest rate is fixed for an introductory period before adjusting on a predetermined basis. Adjusts annually and may increase based on a market index, but can't go above the predetermined adjustment cap. No points.
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Cap Per Adj: 1.50%; Lifetime Cap: 11.875%; Margin: 2.75%
Cap Per Adj: 1.50%; Lifetime Cap: 11.875%; Margin: 2.75%
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As Low As
As low as
As low as
As low as
Conform / Jumbo: Over $806,500
Term: 15 Yr Balloon (30 Yr Amortization); Up to 1.0 points**
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Margin: 2.750%; Rate Change Frequency After Initial Period: Every 5 Years; Max Per Adj. Cap: 2.00%; Lifetime Cap: 5.00%; Index: 5 Yr - TCM; Floor: 5.00%; Monthly Pymt Ex: $738.23
Initial interest rate is fixed for an introductory period before adjusting on a predetermined basis. Adjusts every 5 years and may increase based on a market index, but can't go above the predetermined adjustment cap. No points.
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As low as
Cap Per Adj: 1.50%; Lifetime Cap: 12.125%; Margin: 3.00%
Cap Per Adj: 1.50%; Lifetime Cap: 12.125%; Margin: 3.00%
Rate is fixed for first 5 years, then adjusts every 6 months thereafter based on a 30-day compounded average of SOFR (SOFR Index) as made available by the Federal Reserve Bank of New York (New York Fed). 2% interest rate cap at first adjustment and 1% thereafter. Life of loan cap +/-5%, Floor 2.50%, and Margin 2.50%
New York 30-Year Jumbo Refinance Rates
Jumbo Loan Rate Assumptions, 30 Year: Loan Amount: $900,000 Closing Costs: $36,550 Property Value: $1,500,000 Existing Lien: 0 In the State of: New York Credit Score: 780 Not a Manufactured Home Single Family Residence, 1 Unit, Detached Primary Residence As an example, a 360 month term at a fixed rate of 6.000% at 60% LTV would be $5395.95. Taxes and insurance are not included; therefore the actual payment obligation will be greater. ARM =Adjustable Rate Mortgage.
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Rate as low as; **Rate as low as 6.250%
Finance higher-priced homes without a large down payment or multiple mortgages.
Payment is based on a $726,300 loan at 80% loan-to-value, purchase of a single-family residence. The posted rates are subject to change without notice. The posted mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history.
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New York 15-Year Jumbo Refinance Rates
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Rates effective September 11, 2026. Rates, and terms and conditions subject to change without notice on new loans. Rates posted are estimates only and are subject to change without notice. Your actual rate and/or points may be different, as many factors go into providing you with a mortgage loan. The quotes above are based on a specific loan amount for the purchase of a single family primary residence. 3) 15 and 30 Year JUMBO loan payments are based on a $806,500.00 loan amount
New York 5/1 Jumbo ARM Refinance Rates
New York FHA Loan Rates
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As Low As; Excludes taxes and hazard insurance; actual payment will be higher
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As Low As; Excludes taxes and hazard insurance; actual payment will be higher
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New York VA Loan Rates
Points are $3,240. Rates, terms, and fees as of 9/10/2026 10:15 AM Eastern Daylight Time and subject to change without notice.
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Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
National Refinance Rate Averages
Daily averages of posted rates across every lender we track, as of September 12, 2026. Use these as the benchmark for the New York quotes above; lenders that price refinances separately currently run about 0.091 points higher.
New York Refinance Rate Trends
Compare local New York refinance quotes against the statewide average
Daily averages of posted first-mortgage rates across our lender network, updated every evening. Because most lenders price purchase and refinance loans identically, this is the benchmark a New York refinance quote should be measured against, plus roughly 0.091 points at lenders that price refinances separately.
New York 30-year fixed rates rose 0.024 points over the past 7 days to 6.842%.
New York 15-year fixed rates rose 0.063 points over the past 7 days to 6.407%.
What New York Homeowners Actually Pay to Refinance
Posted refinance rates from our lender network alongside the rates borrowers closed at, from federal HMDA filings
Two different measures. The refinance premium is computed nightly from lenders that publish separate purchase and refinance pricing. HMDA figures are median note rates on loans that actually closed.
New York Refinance Rate Forecast, Next 12 Months
Where are New York refinance rates headed through September 2027?
Based on Fed funds rate futures, 10-year Treasury path, and historical mortgage spread model. If the forecast shows rates falling, waiting may beat refinancing today; the break-even calculator below shows what each scenario is worth. Not financial advice.
What Forecast Rates Mean for New York Homeowners Refinancing
Monthly principal & interest on a 30-year refinance of the loan of $339,040 (80% of the state median home value). Payment differences show what waiting for the forecast rate would be worth each month.
| Scenario | Rate | Mo. Payment | vs. Today | % of Income |
|---|---|---|---|---|
| Today (NY avg) | 6.842% | $2,220 | — | 31% |
| 6-Month Forecast | 6.842% (6.49–7.14%) | $2,220 | +$0/mo | 31% |
| 12-Month Forecast | 7.092% (6.74–7.39%) | $2,277 | +$57/mo | 31.8% |
Income column = annual mortgage payment as % of New York median household income ($85,974). Above 30% is generally considered cost-burdened.
New York Refinance Break-Even Calculator
Enter your current loan and the refinance rate you have been quoted. The calculator shows the new payment, monthly savings, and how many months it takes for those savings to pay back the closing costs. Click a current New York rate on the right to test it instantly.
Principal and interest only. Excludes escrow, mortgage insurance, and any prepayment penalty on the current loan. Lifetime interest compares the remaining interest on the current loan to total interest on the new loan. Estimates are for informational purposes only.
Run the Numbers on Your New York Refinance
The rate is only part of the decision. Use these calculators to turn current New York refinance rates into monthly savings, break-even months, and total interest before you talk to a lender.
If you already own a home, enter your current rate, remaining loan balance, and the rate you’ve been quoted to refinance. The calculator shows your new monthly payment, how much you’d save each month, and the break-even point, the number of months it takes for your savings to cover the closing costs of refinancing.
CalculateEnter your loan amount, interest rate, and term length to see your estimated monthly principal and interest payment. Adjust any variable to model different scenarios: a larger down payment, a shorter term, or a rate a quarter-point lower than what you were quoted.
CalculateIf your goal is cash rather than a lower rate, compare current New York home equity loan and HELOC rates against a cash-out refinance. Keeping a low existing first mortgage and adding a second lien is often the cheaper path, especially for loans originated between 2020 and 2022.
CompareTell us your gross income, monthly debt obligations, and how much you have for a down payment. We’ll show you the home price range you’re likely to qualify for at current New York rates, so you can shop with a realistic number in mind rather than discovering your ceiling after you’ve fallen in love with a property.
CalculateTypes of Refinance Loans Available in New York
Homeowners across New York can choose from several refinance programs. The right one depends on what you are trying to do: lower the rate, shorten the term, pull cash out, or drop mortgage insurance. Pricing, appraisal requirements, and eligibility differ across each, and the cheapest program is not always the lowest posted rate once fees are counted.
Rate-and-Term Refinance
The standard refinance. You replace your existing mortgage with a new loan for about the same balance, changing only the rate, the term, or both. It is the lowest-priced refinance product at nearly every New York lender because the loan-to-value ratio does not rise.
Best for homeowners whose rate is at least half a point above today’s New York average and who plan to stay past the break-even point. Choosing a term that matches your remaining years, rather than resetting to 30, keeps the payoff date where it is.
Cash-Out Refinance
A cash-out refinance replaces your mortgage with a larger one and hands you the difference at closing. Conventional lenders cap the new loan at 80% of appraised value; VA cash-out loans go to 90%. Rates run above rate-and-term pricing.
If you hold a low rate from 2020 to 2022, a home equity loan or HELOC in New York usually costs less than refinancing the whole balance at today’s rate to pull out cash.
FHA Streamline Refinance
For homeowners already in an FHA loan. No appraisal, no income verification, and limited credit review, as long as the new loan produces a net tangible benefit (generally a rate at least 0.5% lower, or a move from an ARM to a fixed rate). You need 210 days since the first payment and six on-time payments.
The upfront mortgage insurance premium is reduced to 0.01% and annual MIP continues, so FHA borrowers with 20% equity and good credit should also price a conventional rate-and-term refinance, which drops mortgage insurance entirely.
VA IRRRL (Streamline Refinance)
The Interest Rate Reduction Refinance Loan lets veterans refinance an existing VA loan with no appraisal, no income documentation, and a funding fee of just 0.5% (waived for borrowers with a service-connected disability). Closing costs can be rolled into the loan.
The new rate must be lower than the current one unless you are moving from an ARM to a fixed rate, and you must recoup closing costs within 36 months. VA lenders in New York quote IRRRL pricing separately, so ask for it by name.
USDA Streamlined-Assist Refinance
For homeowners with an existing USDA Rural Development loan. No appraisal or credit review in most cases, and the new payment must be at least $50 a month lower than the current one. The property no longer has to meet the rural eligibility map.
Twelve months of on-time payments are required, and the 1% upfront guarantee fee plus the annual fee apply to the new loan.
Jumbo Refinance
The 2026 FHFA conforming baseline in New York is $832,750 for most counties, higher in designated high-cost areas. A refinance above the county limit is a jumbo loan, priced and underwritten lender by lender.
Jumbo refinances usually require a 700 or higher credit score, reserves of six to twelve months of payments, and a loan-to-value of 80% or less. Because balances are large, even a quarter-point rate difference is worth thousands a year, so compare the 30-Year Jumbo and 15-Year Jumbo tabs above closely. If paying the balance down to the conforming limit at closing is possible, conforming refinance pricing is often noticeably better.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our New York refinance rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Refinance Rate Data: We aggregate mortgage and refinance rates for New York directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Where a lender publishes a product specifically for refinancing, that product is listed by name; where a lender publishes one rate sheet for purchase and refinance loans, that rate is shown as the refinance rate, which is how the lender itself quotes it.
Refinance Premium and HMDA Figures: The refinance premium is the average difference between a lender’s refinance-labeled product and the same lender’s standard product of the same term, computed nightly across lenders that publish both. It is shown for context and is never added to any rate in the tables. HMDA figures are median note rates on first-lien, owner-occupied, one-to-four-unit loans originated in the most recent reporting year, from the Consumer Financial Protection Bureau’s public Loan/Application Register.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in New York. We feature a comprehensive mix of licensed NMLS financial institutions, from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in NY.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage and refinance rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data, including the Texas Ratio, ensuring you compare rates from secure, reliable lenders.
How a Mortgage Refinance Works in New York
A refinance pays off your current mortgage with a new loan on the same New York home. The new lender wires the payoff to the old lender at closing, and from that point you make payments on the new loan only. Because it is a brand-new mortgage, you go through an application, credit check, and usually an appraisal, and you pay closing costs, just as you did when you bought the home.
How New York Refinance Rates Compare to Purchase Rates
Most New York banks and credit unions post one rate sheet that applies to purchase and refinance loans alike, which is why the tables above show the same lenders you will find on our New York mortgage rates page. For example, TEG Federal Credit Union is listing a Conventional Mortgage & Refinance Rates - 30 Year Fixed at 6.75% for either purpose. Some lenders price refinances separately and list them by name, such as TEG Federal Credit Union’s Conventional Mortgage & Refinance Rates - 15 Year Fixed at 6.50%. Across lenders that post both, refinance pricing currently runs about 0.091 points above the same lender’s purchase rate nationally. Cash-out refinances, investment properties, and second homes carry pricing add-ons at every lender.
Finding Your Break-Even Point in New York
Divide total closing costs by the monthly payment savings and you get the number of months until the refinance has paid for itself. A New York homeowner who expects to sell before that month should not refinance, no matter how good the rate looks. The calculator above runs this math with today’s local rates. A shorter break-even, under three years, is a comfortable margin; anything past five years needs a long stay to pay off.
Refinance Closing Costs and No-Closing-Cost Loans in New York
Refinance closing costs in New York typically run two to five percent of the loan and include the lender’s origination fee, appraisal, title search and lender’s title policy, recording fees, and prepaid interest. Discount points are optional and buy the rate down. A no-closing-cost refinance rolls the fees into a higher rate or the loan balance. It is not free, but it can be the better choice for a homeowner likely to move or refinance again within a few years, because there is nothing to recoup.
When New York Homeowners Should Wait
Refinancing rarely pays when the new rate is less than half a point below the current one, when you are more than ten years into a 30-year loan and would reset the clock, or when your credit score has dropped since the original loan. Homeowners holding a rate from 2020 to 2022 are usually better served by keeping that loan and using a home equity loan or HELOC for cash needs. Our New York refinance rate trends above show where rates have been over the past 90 days, and the forecast gives a sense of where they may head, so you can decide whether to lock now or wait.
Frequently Asked Questions about Refinance Rates in New York
Are refinance rates higher than purchase mortgage rates in New York?
When does refinancing make sense in New York?
How soon can I refinance a mortgage in New York?
What is a rate-and-term refinance?
What is a cash-out refinance?
Does refinancing reset my 30-year term?
What are typical refinance closing costs in New York?
What is the difference between interest rate and APR on a refinance?
Should I lock my refinance rate?
How do I find the best refinance lender in New York?
What are the best refinance rates in New York?
- TEG Federal Credit Union: 6.75% (Conventional Mortgage & Refinance Rates - 30 Year Fixed)
- Actors Federal Credit Union: 5.79% (30 Year Fixed-Rate Mortgage)
- TOWN OF HEMPSTEAD EMPLOYEES: 6.00% (30 Year Fixed)
- Hudson Valley Credit Union: 6.00% (30 Year Fixed)
- Carthage Savings and Loan: 6.36% (Mortgage Rates - 5 YR ARM (30 Yr))
Refinance Rates by City in New York
