Manorhaven, New York Refinance Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Manorhaven, New York mortgage refinance rates from lenders serving New York range from 4.50% to 8.63%, verified by MonitorBankRates as of October 12, 2026. Current mortgage refinance rates for Manorhaven, New York borrowers from lenders serving New York include TEG Federal Credit UnionTEG Federal Credit UnionA+5.0 ★Texas Ratio: 4.23% at 7.50%, Actors Federal Credit UnionActors Federal Credit UnionA-5.0 ★Texas Ratio: 15.48% at 5.79%, Self Reliance NY Federal Credit UnionSelf Reliance NY Federal Credit UnionA+5.0 ★Texas Ratio: 2.44% at 6.25%, Peoples Alliance Federal Credit UnionPeoples Alliance Federal Credit UnionA+5.0 ★Texas Ratio: 3.34% at 6.375%, and Hudson River Community Credit UnionHudson River Community Credit UnionA+5.0 ★Texas Ratio: 5.82% at 6.50%. Refinance rates as of October 12, 2026 according to verified data from MonitorBankRates.
Manorhaven homeowners can compare 177 refinance rates from 50 lenders serving the New York area, with refinance rates as low as 5.79% from Actors Federal Credit Union. Lenders below quote one rate for purchase and refinance loans. Use the tabs below to compare available loan types, then run the break-even calculator. 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: October 12, 2026
Compare Refinance Rates Today in Manorhaven, New York & the Surrounding Area
Rates shown are each lender’s posted rate for that loan type, which most lenders apply to purchase and refinance loans alike. Local Manorhaven, NY lenders are listed first in every tab. Among lenders that post both, refinance pricing currently runs about 0.176 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.
Manorhaven 30 Year Fixed Refinance Rates
No additional details available.
- Oct 10, 20267.63%▲ from 7.52%
- Oct 6, 20267.52%▼ from 7.53%
- Oct 2, 20267.53%▲ from 7.49%
- Oct 1, 20267.49%▲ from 7.27%
No additional details available.
As low as
No additional details available.
- Oct 12, 20266.43%▼ from 6.93%
- Sep 25, 20266.93%▲ from 6.43%
- Sep 14, 20266.43%first recorded
No additional details available.
No additional details available.
No additional details available.
Rate Change Frequency After Initial Period: Every 5 Years; Max Per Adj. Cap: 2.00%; Lifetime Cap: 5.00%; Index: 5 Yr - CMT; Floor: 5.00%
- Oct 8, 20267.12%▲ from 6.87%
- Sep 17, 20266.87%first recorded
Term: 5/1 ARM / 15 Yr Balloon (30 Yr Amortization); Up to 1.0 points**
Conventional loan of $200,000 based on a value of $334,000 for a primary residence and rate/term refinance transaction of an existing single family detached home in the City of Albany, Albany County, New York for an interest rate lock period of 60 days and includes tax and homeowner's insurance escrows. The actual APR and fees will be based on individual loan features and creditworthiness of at least 780 credit score.
- Oct 10, 20267.13%▼ from 7.26%
- Oct 1, 20267.26%▲ from 7.01%
- Sep 27, 20267.01%▲ from 6.76%
- Sep 18, 20266.76%▲ from 6.51%
No additional details available.
No additional details available.
- Oct 1, 20267.19%▲ from 6.94%
- Sep 19, 20266.94%first recorded
No additional details available.
Term: 7/1 ARM (30 Yr Amortization); Up to 1.0 points**
No additional details available.
Monthly Payments per $1,000: $6.82
- Oct 1, 20267.34%▼ from 7.47%
- Sep 27, 20267.47%▲ from 7.22%
- Sep 24, 20267.22%first recorded
Max Loan: $832,750; Cost/Thousand: $6.85
- Oct 7, 20267.35%▲ from 7.22%
- Oct 1, 20267.22%▲ from 6.97%
- Sep 18, 20266.97%▲ from 6.60%
- Sep 15, 20266.60%first recorded
Rates as low as
- Oct 10, 20267.38%▼ from 7.50%
- Oct 2, 20267.50%▲ from 7.38%
- Oct 1, 20267.38%▲ from 7.25%
- Sep 27, 20267.25%▲ from 7.00%
No additional details available.
- Oct 8, 20267.39%▲ from 7.01%
- Sep 25, 20267.01%▲ from 6.76%
- Sep 18, 20266.76%first recorded
No additional details available.
As Low As
- Oct 1, 20267.40%▲ from 6.89%
- Sep 19, 20266.89%first recorded
No additional details available.
- Oct 10, 20267.41%▼ from 7.53%
- Oct 2, 20267.53%▲ from 7.41%
- Oct 1, 20267.41%▲ from 7.28%
- Sep 27, 20267.28%▲ from 7.03%
No additional details available.
- Oct 7, 20267.41%▲ from 6.91%
- Sep 24, 20266.91%▲ from 6.78%
- Sep 15, 20266.78%first recorded
No additional details available.
- Oct 8, 20267.42%▲ from 7.17%
- Oct 2, 20267.17%▲ from 7.04%
- Sep 25, 20267.04%first recorded
No additional details available.
No additional details available.
- Oct 1, 20267.50%▲ from 7.37%
- Sep 27, 20267.37%▲ from 7.12%
- Sep 18, 20267.12%▲ from 6.75%
- Sep 14, 20266.75%first recorded
No additional details available.
- Oct 10, 20267.53%▼ from 7.66%
- Oct 2, 20267.66%▲ from 7.53%
- Sep 27, 20267.53%▲ from 7.16%
- Sep 18, 20267.16%first recorded
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. An example monthly payment for a 30 year fixed mortgage rate at 7.375 % with a 7.543 % APR is Rates are accurate as of 10/9/2026 11:30 AM and are subject to change without notice. Mortgage products in New York State only and offered by Broadview FCU. Address: 4 Winners Circle Suite 202, Albany, NY 12205. Broadview FCU NMLS Identifier: 458314
- Oct 10, 20267.54%▼ from 7.67%
- Oct 2, 20267.67%▲ from 7.54%
- Oct 1, 20267.54%▲ from 7.13%
- Sep 18, 20267.13%▲ from 6.87%
No additional details available.
No additional details available.
- Oct 2, 20267.57%▲ from 7.44%
- Sep 25, 20267.44%▲ from 7.06%
- Sep 14, 20267.06%first recorded
Loan Amount: $150,000.01 - $200,000.00
- Oct 11, 20267.57%▼ from 7.59%
- Oct 7, 20267.59%▲ from 7.19%
- Sep 27, 20267.19%▲ from 6.85%
- Sep 24, 20266.85%▼ from 6.96%
No additional details available.
Maximum Loan to Value: 97%*
- Oct 11, 20267.58%▼ from 7.62%
- Oct 7, 20267.62%▲ from 7.58%
- Oct 3, 20267.58%▲ from 7.51%
- Oct 1, 20267.51%▲ from 7.47%
Loan Amount: Up to $150,000.00
- Oct 11, 20267.60%▲ from 7.49%
- Oct 7, 20267.49%▲ from 7.19%
- Sep 27, 20267.19%▲ from 6.85%
- Sep 24, 20266.85%▼ from 6.96%
Rates assume a NY property
- Oct 1, 20267.60%▲ from 7.47%
- Sep 27, 20267.47%▲ from 7.22%
- Sep 24, 20267.22%▲ from 7.10%
- Sep 18, 20267.10%▲ from 6.97%
No additional details available.
- Oct 2, 20267.60%▲ from 7.48%
- Sep 25, 20267.48%▲ from 7.10%
- Sep 14, 20267.10%first recorded
No additional details available.
For Mortgage terms of 30 years estimated monthly payment is Rates are effective as of 10/05/26. All lending offers are subject to credit history review and approval. Applicants may be offered credit at a higher rate and/or term. Member conditions apply. Share savings account with minimum $5 balance required.
Loan Amount: $250,000.01 - $500,000.00
- Oct 11, 20267.69%▲ from 7.57%
- Oct 7, 20267.57%▲ from 7.19%
- Sep 27, 20267.19%▲ from 6.85%
- Sep 24, 20266.85%▼ from 6.96%
Loan Amount: $200,000.01 - $250,000.00
- Oct 11, 20267.70%▲ from 7.58%
- Oct 7, 20267.58%▲ from 7.19%
- Sep 27, 20267.19%▲ from 6.85%
- Sep 24, 20266.85%▼ from 6.96%
No additional details available.
- Oct 9, 20267.71%▼ from 7.83%
- Oct 5, 20267.83%▲ from 7.71%
- Sep 29, 20267.71%▲ from 7.27%
- Sep 14, 20267.27%first recorded
As low as
No additional details available.
- Oct 3, 20267.79%▲ from 7.41%
- Sep 24, 20267.41%first recorded
No additional details available.
- Oct 1, 20267.81%▲ from 7.56%
- Sep 28, 20267.56%▲ from 7.30%
- Sep 24, 20267.30%▲ from 7.18%
- Sep 16, 20267.18%first recorded
No additional details available.
No additional details available.
- Oct 7, 20267.82%▲ from 7.31%
- Sep 15, 20267.31%first recorded
Rates shown include 0.125% autopay and paperless discount.
No additional details available.
- Oct 7, 20267.88%▲ from 7.20%
- Sep 18, 20267.20%first recorded
No additional details available.
No additional details available.
Manorhaven 15 Year Fixed Refinance Rates
No additional details available.
- Oct 10, 20267.23%▼ from 7.25%
- Oct 6, 20267.25%▼ from 7.34%
- Oct 2, 20267.34%▲ from 7.23%
- Oct 1, 20267.23%▲ from 7.19%
No additional details available.
No additional details available.
No additional details available.
- Oct 8, 20266.06%▲ from 5.94%
- Oct 2, 20265.94%▲ from 5.81%
- Sep 14, 20265.81%first recorded
No additional details available.
- Oct 12, 20266.09%▼ from 6.72%
- Sep 25, 20266.72%▲ from 6.09%
- Sep 14, 20266.09%first recorded
No additional details available.
- Oct 2, 20266.51%▲ from 6.38%
- Sep 25, 20266.38%▲ from 5.76%
- Sep 14, 20265.76%first recorded
No additional details available.
No additional details available.
- Oct 2, 20266.52%▲ from 6.40%
- Sep 25, 20266.40%▲ from 6.02%
- Sep 14, 20266.02%first recorded
No additional details available.
- Oct 8, 20266.56%▲ from 6.44%
- Oct 2, 20266.44%▲ from 6.31%
- Sep 14, 20266.31%first recorded
Max Loan: $832,750; Cost/Thousand: $8.77
- Oct 1, 20266.67%▲ from 6.41%
- Sep 18, 20266.41%▲ from 6.15%
- Sep 15, 20266.15%first recorded
Margin: 2.250%; Rate Change Frequency After Initial Period: Annually; Max Per Adj. Cap: 2.00%; Lifetime Cap: 5.00%; Index: 1 Yr - CMT; Floor: 3.00%; Monthly Pymt Ex: $898.83
Rate Change Frequency After Initial Period: Annually; Max Per Adj. Cap: 2.00%; Lifetime Cap: 5.00%; Index: 1 Yr - CMT; Floor: 3.00%
- Oct 8, 20266.70%▲ from 6.54%
- Sep 17, 20266.54%first recorded
No additional details available.
As Low As
- Oct 9, 20266.77%▲ from 6.50%
- Sep 28, 20266.50%▲ from 6.33%
- Sep 21, 20266.33%▲ from 5.99%
- Sep 14, 20265.99%first recorded
No additional details available.
- Oct 10, 20266.80%▼ from 6.93%
- Oct 2, 20266.93%▲ from 6.80%
- Oct 1, 20266.80%▼ from 6.93%
- Sep 27, 20266.93%▲ from 6.55%
Margin: 2.250%; Rate Change Frequency After Initial Period: Annually; Max Per Adj. Cap: 2.00%; Lifetime Cap: 5.00%; Index: 1 Yr - CMT; Floor: 3.00%; Monthly Pymt Ex: $905.83
Rate Change Frequency After Initial Period: Annually; Max Per Adj. Cap: 2.00%; Lifetime Cap: 5.00%; Index: 1 Yr - CMT; Floor: 3.00%
- Oct 8, 20266.81%▲ from 6.67%
- Sep 17, 20266.67%first recorded
Monthly Payments per $1,000: $8.85
- Sep 27, 20266.89%▲ from 6.77%
- Sep 24, 20266.77%first recorded
Published rate range: 6.875%-7.875%.
- Sep 25, 20266.92%▲ from 6.78%
- Sep 21, 20266.78%first recorded
No additional details available.
- Oct 8, 20266.94%▲ from 6.69%
- Oct 2, 20266.69%▲ from 6.57%
- Sep 25, 20266.57%first recorded
No additional details available.
No additional details available.
- Oct 8, 20266.98%▲ from 6.60%
- Sep 25, 20266.60%▲ from 6.35%
- Sep 18, 20266.35%first recorded
No additional details available.
- Sep 27, 20266.99%▲ from 6.74%
- Sep 22, 20266.74%▲ from 6.36%
- Sep 14, 20266.36%first recorded
Rates shown include 0.125% autopay and paperless discount.
- Oct 7, 20266.99%▲ from 6.49%
- Sep 15, 20266.49%first recorded
No additional details available.
- Oct 7, 20267.05%▲ from 6.54%
- Sep 24, 20266.54%▲ from 6.42%
- Sep 15, 20266.42%first recorded
No additional details available.
- Oct 10, 20267.09%▼ from 7.22%
- Oct 1, 20267.22%▲ from 7.09%
- Sep 27, 20267.09%▲ from 6.84%
- Sep 18, 20266.84%▲ from 6.47%
No additional details available.
As Low As
- Oct 1, 20267.11%▲ from 6.60%
- Sep 19, 20266.60%first recorded
Term: 5/1 ARM / 15 Yr Balloon (30 Yr Amortization); Up to 1.0 points**
No additional details available.
No additional details available.
- Oct 9, 20267.20%▼ from 7.45%
- Oct 5, 20267.45%▲ from 7.33%
- Sep 29, 20267.33%▲ from 6.90%
- Sep 14, 20266.90%first recorded
No additional details available.
- Oct 7, 20267.26%▲ from 6.87%
- Sep 18, 20266.87%first recorded
Maximum Loan to Value: 97%*
- Oct 7, 20267.27%▲ from 7.15%
- Oct 3, 20267.15%▼ from 7.20%
- Oct 1, 20267.20%▲ from 7.08%
- Sep 27, 20267.08%first recorded
As low as
- Oct 11, 20267.28%▼ from 7.40%
- Oct 7, 20267.40%first recorded
No additional details available.
- Oct 7, 20267.28%▲ from 7.15%
- Oct 1, 20267.15%▼ from 7.28%
- Sep 27, 20267.28%▲ from 6.90%
- Sep 18, 20266.90%▲ from 6.65%
For Mortgage terms of 15 years estimated monthly payment is Rates are effective as of 10/05/26. All lending offers are subject to credit history review and approval. Applicants may be offered credit at a higher rate and/or term. Member conditions apply. Share savings account with minimum $5 balance required.
No additional details available.
- Oct 7, 20267.50%▲ from 7.39%
- Oct 1, 20267.39%▲ from 7.11%
- Sep 24, 20267.11%▲ from 7.01%
- Sep 18, 20267.01%▲ from 6.52%
No additional details available.
- Oct 1, 20267.61%▲ from 7.21%
- Sep 28, 20267.21%▲ from 7.09%
- Sep 24, 20267.09%▲ from 6.84%
- Sep 16, 20266.84%first recorded
No additional details available.
- Oct 3, 20267.64%▲ from 7.25%
- Sep 24, 20267.25%first recorded
No additional details available.
- Oct 7, 20267.66%▲ from 7.51%
- Sep 15, 20267.51%first recorded
No additional details available.
Starting at
No additional details available.
- Sep 27, 20268.09%▲ from 7.97%
- Sep 18, 20267.97%▲ from 7.60%
- Sep 15, 20267.60%first recorded
Manorhaven 5/1 ARM Refinance Rates
No additional details available.
Term: 5/1 year ARM (30 year payout)
Published rate range: 5.90 - 6.25.
- Oct 5, 20265.90%▲ from 5.60%
- Sep 17, 20265.60%▲ from 5.15%
- Sep 14, 20265.15%first recorded
Published rate range: 6.00 - 6.35.
- Oct 5, 20266.00%▲ from 5.75%
- Sep 17, 20265.75%▲ from 5.45%
- Sep 14, 20265.45%first recorded
No additional details available.
- Oct 1, 20266.25%▲ from 6.12%
- Sep 27, 20266.12%▲ from 5.87%
- Sep 18, 20265.87%▲ from 5.50%
- Sep 14, 20265.50%first recorded
No additional details available.
- Oct 9, 20266.25%▼ from 7.03%
- Sep 22, 20267.03%first recorded
LTV 80% or less; Purchase & Construction
No additional details available.
- Oct 1, 20266.45%▲ from 6.35%
- Sep 24, 20266.35%▲ from 6.20%
- Sep 19, 20266.20%first recorded
First Cap: +/- 2.00%; Subsequent Cap: +/- 1.00%; Lifetime Cap: +/- 5.00%
- Oct 10, 20266.47%▲ from 6.44%
- Oct 6, 20266.44%▼ from 6.75%
- Oct 1, 20266.75%▲ from 6.50%
- Sep 27, 20266.50%first recorded
No additional details available.
- Oct 10, 20266.48%▲ from 6.45%
- Oct 1, 20266.45%▲ from 6.40%
- Sep 27, 20266.40%first recorded
For the first 60 months the payment will be $1,015.93 with a corresponding interest rate of 6.250%; for the remaining 300 months, the estimated payment will be $1,537.36 with a corresponding interest rate of 11.250%. The interest rate and monthly payment amount may vary after the first 60 months.
- Oct 1, 20266.50%▲ from 6.23%
- Sep 27, 20266.23%first recorded
The total repayment term for this ARM loan is 30 years or 360 payments. For the first 60 months the payment will be $1,015.93 with a corresponding interest rate of 5.750%; for the remaining 300 months, the estimated payment will be $1,537.36 with a corresponding interest rate of 11.250%. The interest rate and monthly payment amount may vary after the first 60 months.
- Oct 1, 20266.50%▲ from 6.23%
- Sep 15, 20266.23%first recorded
Zero Points
- Sep 25, 20266.58%▲ from 6.38%
- Sep 21, 20266.38%first recorded
LTV 81% to 90% (No Private Mortgage Insurance Required); Purchase
Max Loan: $832,750; Cost/Thousand: $6.02; Adjustable Rate Mortgage (ARM) interest rates and payments are subject to increase after the initial fixed-rate period (60 months fixed; after the fixed period, the interest rate will adjust once every six months).
- Oct 1, 20266.64%▲ from 6.51%
- Sep 18, 20266.51%▲ from 6.44%
- Sep 15, 20266.44%first recorded
As Low As; 5/6 ARM is a variable rate loan; APR assumes 20% down payment, 30 day rate lock and $200,000 loan amount
Maximum Loan to Value 89%
No additional details available.
- Sep 27, 20266.72%▲ from 6.67%
- Sep 24, 20266.67%first recorded
As low as; Prepaid Fin. Charge: $2,415.54
- Oct 1, 20266.73%▲ from 6.65%
- Sep 15, 20266.65%first recorded
NY ONLY - APR*: 6.625%
Published rate range: 6.75 - 7.10.
- Sep 17, 20266.75%▲ from 6.45%
- Sep 14, 20266.45%first recorded
No additional details available.
- Oct 7, 20266.76%▲ from 6.75%
- Oct 1, 20266.75%first recorded
Margin: 2.250%; Rate Change Frequency After Initial Period: Annually; Max Per Adj. Cap: 2.00%; Lifetime Cap: 5.00%; Index: 1 Yr - CMT; Floor: 3.00%; Monthly Pymt Ex: $648.60
Rate Change Frequency After Initial Period: Annually; Max Per Adj. Cap: 2.00%; Lifetime Cap: 5.00%; Index: 1 Yr - CMT; Floor: 3.00%
- Oct 8, 20266.78%▲ from 6.76%
- Oct 2, 20266.76%▲ from 6.33%
- Sep 25, 20266.33%first recorded
As low as; Prepaid Fin. Charge: $3,056.42
- Oct 3, 20266.78%▲ from 6.73%
- Sep 24, 20266.73%▼ from 6.96%
- Sep 19, 20266.96%▲ from 6.73%
- Sep 15, 20266.73%first recorded
As low as
As low as; Prepaid Fin. Charge: $2,450.63
- Oct 1, 20266.81%▲ from 6.73%
- Sep 15, 20266.73%first recorded
Conform / Jumbo: Up to $806,500
- Oct 5, 20266.86%▲ from 6.57%
- Sep 14, 20266.57%first recorded
Rates effective October 09, 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. 4) *APR (Annual Percentage Rate) effective 9/17/2026. APR is based on the Prime Rate (7.00%), or Prime Rate (7.00%) plus a margin based on underwriting & Loan To Value (LTV) and may vary with Prime Rate after account opening: Floor = 2.00% APR, Cap = 15.0% APR. Loan features 10-year draw and 15-year repayment period. APR reflects best rate available based on less than 90% LTV & individual creditworthiness. Minimal credit union closing costs incurred for lines of credit up to $249,999 when automated value model is used for underwriting; loans using alternate valuation sources could incur closing costs up to $600 depending on property location, type and loan amount. Loans greater than $249,999 subject to standard lending practices with a closing cost between $0.00 - $4,000. City/county/state fees may apply. Membership eligibility is required. Loan subject to approval. Equity limits and underwriting requirements vary by state. We do business in accordance to the Federal Fair Housing Law and Equal Credit Opportunity Act. NMLS#401252.
- Oct 9, 20266.87%▼ from 7.03%
- Sep 22, 20267.03%first recorded
Rates Effective October 5, 2026.
- Oct 9, 20266.91%▲ from 6.66%
- Sep 29, 20266.66%first recorded
No additional details available.
See payment example
- Oct 7, 20267.00%▲ from 6.98%
- Oct 1, 20266.98%▲ from 6.89%
- Sep 27, 20266.89%▲ from 6.84%
- Sep 24, 20266.84%▲ from 6.69%
No additional details available.
No additional details available.
Conform / Jumbo: Over $806,500
- Oct 5, 20267.06%▲ from 6.74%
- Sep 14, 20266.74%first recorded
No additional details available.
- Oct 11, 20267.11%▼ from 7.25%
- Oct 7, 20267.25%▼ from 7.38%
- Sep 24, 20267.38%▲ from 7.00%
- Sep 15, 20267.00%first recorded
No additional details available.
Term: 5/1 ARM / 15 Yr Balloon (30 Yr Amortization); Up to 1.0 points**
No additional details available.
As low as; Prepaid Fin. Charge: $2,900.00
- Oct 1, 20267.16%▲ from 7.05%
- Sep 24, 20267.05%first recorded
Initial Rate: *6.500%; Cap Per Adj: 1.50%; Lifetime Cap: 12.500%; Margin: 2.75%
Initial Rate: *6.500%; Cap Per Adj: 1.50%; Lifetime Cap: 12.500%; Margin: 2.75%
- Oct 7, 20267.19%▲ from 6.97%
- Sep 15, 20266.97%first recorded
Cap Per Adj: 1.50%; Lifetime Cap: 12.500%; Margin: 2.75%
Cap Per Adj: 1.50%; Lifetime Cap: 12.500%; Margin: 2.75%
- Oct 7, 20267.19%▲ from 7.11%
- Sep 24, 20267.11%first recorded
No additional details available.
- Oct 1, 20267.19%▲ from 7.07%
- Sep 27, 20267.07%▲ from 6.94%
- Sep 18, 20266.94%▲ from 6.82%
- Sep 15, 20266.82%first recorded
No additional details available.
- Oct 8, 20267.29%▲ from 7.19%
- Oct 4, 20267.19%▼ from 7.31%
- Oct 2, 20267.31%▲ from 7.06%
- Sep 25, 20267.06%▲ from 7.01%
No additional details available.
Maximum Loan to Value 89%
No additional details available.
- Sep 27, 20267.42%▲ from 7.30%
- Sep 24, 20267.30%first recorded
No additional details available.
- Oct 11, 20267.43%▲ from 7.25%
- Oct 7, 20267.25%▼ from 7.38%
- Sep 24, 20267.38%▲ from 7.00%
- Sep 15, 20267.00%first recorded
Manorhaven 30-Year Jumbo Refinance Rates
No additional details available.
- Oct 9, 20266.38%▲ from 6.13%
- Sep 14, 20266.13%first recorded
No additional details available.
Payment Example: 3/5 Jumbo ARM Payment Example
- Oct 6, 20266.87%▲ from 6.77%
- Sep 30, 20266.77%first recorded
No additional details available.
No additional details available.
- Oct 7, 20267.89%▲ from 7.39%
- Sep 24, 20267.39%▲ from 7.27%
- Sep 15, 20267.27%first recorded
Manorhaven 15-Year Jumbo Refinance Rates
No additional details available.
- Oct 9, 20265.88%▲ from 5.63%
- Sep 14, 20265.63%first recorded
No additional details available.
Manorhaven 5/1 Jumbo ARM Refinance Rates
Payment Example: 5/5 Jumbo ARM Payment Example
- Oct 6, 20266.83%▲ from 6.75%
- Sep 30, 20266.75%first recorded
Manorhaven FHA Loan Rates
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
- Oct 7, 20267.82%▲ from 7.31%
- Sep 15, 20267.31%first recorded
No additional details available.
- Sep 27, 20268.09%▲ from 7.97%
- Sep 18, 20267.97%▲ from 7.60%
- Sep 15, 20267.60%first recorded
No additional details available.
- Oct 11, 20268.33%▼ from 8.71%
- Oct 1, 20268.71%▲ from 8.33%
- Sep 27, 20268.33%▲ from 8.06%
- Sep 24, 20268.06%▲ from 7.95%
No additional details available.
- Oct 1, 20268.56%▲ from 8.43%
- Sep 27, 20268.43%▲ from 8.06%
- Sep 24, 20268.06%▲ from 7.68%
- Sep 18, 20267.68%▲ from 7.56%
Manorhaven VA Loan Rates
No additional details available.
- Oct 7, 20267.66%▲ from 7.51%
- Sep 15, 20267.51%first recorded
No additional details available.
No additional details available.
- Oct 7, 20267.96%▲ from 7.19%
- Sep 15, 20267.19%first recorded
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 October 12, 2026. Use these as the benchmark for the Manorhaven, New York quotes above; lenders that price refinances separately currently run about 0.176 points higher.
Manorhaven, NY Refinance Rate Trends
Compare local Manorhaven, NY 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 0.176 points at lenders that price refinances separately.
New York 30-year fixed rates fell 0.006 points over the past 7 days to 7.461%.
New York 15-year fixed rates rose 0.049 points over the past 7 days to 7.035%.
What Manorhaven, NY 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 October 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 Manorhaven, NY Homeowners Refinancing
Monthly principal & interest on a 30-year refinance of the loan of $549,680 (80% of the city 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) | 7.461% | $3,829 | 43.6% | |
| 6-Month Forecast | 7.461% (7.11, 7.76%) | $3,829 | +$0/mo | 43.6% |
| 12-Month Forecast | 7.711% (7.36, 8.01%) | $3,923 | +$94/mo | 44.6% |
Income column = annual mortgage payment as % of Manorhaven, NY median household income ($105,486). Above 30% is generally considered cost-burdened.
Manorhaven, 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 Manorhaven, 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 Manorhaven, New York Refinance
The rate is only part of the decision. Use these calculators to turn current Manorhaven, New York home refinance rates into monthly savings, break-even months, and total interest before you request quotes from refinance lenders.
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 Manorhaven, 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 Manorhaven, 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 Manorhaven, New York
Homeowners in Manorhaven, 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 Manorhaven, 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 Manorhaven, 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 loan limit for Manorhaven, New York is $832,750. A refinance above that amount is a jumbo loan and stays on the lender’s books or goes to private investors, so pricing and underwriting are set 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 Manorhaven, 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 Manorhaven, 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 Manorhaven, 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 Manorhaven, New York
A refinance pays off your current mortgage with a new loan on the same Manorhaven, 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 Manorhaven, 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 Manorhaven, New York mortgage rates page. For example, TEG Federal Credit Union is listing a Conventional Mortgage & Refinance - 30 Year Fixed at 7.50% for either purpose. Some lenders price refinances separately and list them by name, such as TEG Federal Credit Union’s Conventional Mortgage & Refinance - 15 Year Fixed at 7.00%. Across lenders that post both, refinance pricing currently runs about 0.176 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 Manorhaven, 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 Manorhaven, 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 Manorhaven, 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 Manorhaven, 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 Manorhaven, New York
What are home loan refinance rates in Manorhaven, NY today?
Are refinance rates higher than purchase mortgage rates in New York?
When does refinancing make sense in Manorhaven, 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 compare refinance lenders in Manorhaven, New York?
How do I get refinance quotes in Manorhaven, New York?
What are the best refinance rates in Manorhaven, New York?
- TEG Federal Credit Union: 7.50% (Conventional Mortgage & Refinance - 30 Year Fixed)
- Actors Federal Credit Union: 5.79% (30 Year Fixed-Rate Mortgage)
- Self Reliance NY Federal Credit Union: 6.25% (30 Year Fixed Rate Mortgage)
- Peoples Alliance Federal Credit Union: 6.375% (30 Year Fixed Mortgage)
- Hudson River Community Credit Union: 6.50% (30-year fixed)
Manorhaven, New York Rates & Resources
