Annual Percentage Rates valid as of February 1, 2018

Our Easy Street Flex-Mortgage product offers you the ability to be mortgage-free in 5 to 12 years. Refinance your existing mortgage and pay off other high interest debt or tuition expenses. Our Easy Street Flex-Mortgage  product provides protection against rising interest rates with a low fixed rate.

  • Competitive fixed rates with choice of terms from 5 to 12 years
  • Borrow up to 80% of the value of your home
  • Pay no closing costs except for NYS mortgage tax
  • No Title Insurance
  • No Attorney Fee
  • No Appraisal Fee
  • No Recording Fee
  • No Points
  • Cash Back Option
  • Fast approval by friendly & professional staff trained to make your loan process easy

What's My Payment?

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Fixed Annual Percentage Rate (APR). Must be primary residence and first lien only. This offer is good for refinance only. Existing First New York real estate loans are eligible with $50,000 of new money. Loan-to-value (LTV) must be 50% or less to received listed APR. Actual rate may vary and rates are subject to change without notice. Other rates and terms are available. $50,000 minimum and $424,100 maximum. New York State mortgage tax is required and paid by the borrower. Title insurance may be required. The remaining closing costs paid by First New York on behalf of the borrower will be charged back and added to the payoff amount of the loan if the mortgage is paid and closed within three years of closing. Closing costs are estimated at $200-$600.

Apply for an Easy Street Flex-Mortgage by phone at (518) 393-1326 and press 3, or stop by any First New York Branch.