Real Estate Loan Rates
Annual Percentage Rates valid as of February 1, 2012
Variable Home Equity Line of Credit
Finance up to 80% of the value of your home!
| Term | Annual Percentage Rates As Low As | Variable Index | Payment Calculator |
| 10 year draw 15 year re-payment | Fixed 2.99%* for 13 months | What's My Payment? | |
| 10 year draw 15 year re-payment | Thereafter variable 4.00% | Prime | What's My Payment? |
Competitive Variable Rate. $10,000 minimum, $250,000 maximum.
The variable Annual Percentage Rate (APR) is set monthly. This is based on the highest prime rate
on the last business day of the previous month as published in the Wall Street Journal,
with an 18.00% APR lifetime cap and a 4.00% APR lifetime floor.
The Prime Rate as of 01/31/2012 was 3.25% as published in the Wall Street Journal.
*SPECIAL INTRODUCTORY OFFER: Fixed APR as low as 2.99% for thirteen months from the date of disbursement.
Variable APR thereafter will be as low as prime plus 0.00%. As of 01/31/2012, the rate was as low as 4.00% APR.
This offer may change without prior notice. APR and index are subject to change
and are based on individual credit history and loan to home value. Interest-only payment option available.
No closing costs except NYS mortgage tax.
fixed home equity line of credit
Finance up to 80% of the value of your home!
| Terms Up To | Annual Percentage Rates As Low As | Monthly Payment Per $1000 | Payment Calculator |
| 5 years | 4.24% | $18.53 | What's My Payment? |
| 10 years | 4.99% | $10.61 | What's My Payment? |
| 15 years | 5.24% | $8.04 | What's My Payment? |
| 20 years | 6.24% | $7.31 | What's My Payment? |
Competitive Fixed Rates. $10,000 minimum, $250,000 maximum.
The Annual Percentage Rate offered is subject to change and is determined by individual credit history
and loan to home value. Minimum initial advance must equal 90% of credit limit.
Terms available are 5, 10, 15 and 20 years. Draw period is 2 years.
After draw period ends, remaining time left is the repayment period. Monthly Payment is based on a 30 day month.
No closing costs except NYS mortgage tax.
Mortgages
Purchase a new home or refinance your existing mortgage!
| Term | Annual Percentage Rates As Low As | Points | Payment Calculator |
| 15 years | 3.250% | 0 | What's My Payment? |
| 30 years | 4.000% | 0 | What's My Payment? |
| 1 Year ARM | 3.031% | 0 | What's My Payment? |
Competitive Fixed Rates. $40,000 minimum, $250,000 maximum.
Maximum LTV 95% with mortgage insurance. Rate locks are available.
The Annual Percentage rate offered, and points shown, are subject to change and are determined by individual credit history and loan to home value.
Easy Street Mortgage- 10-Year Fixed Annual Percentage Rate
No Title Insurance, No Attorney Fee, No Appraisal Fee, No Recording Fee, No Points
| Term | Annual Percentage Rate | Points | Payment Calculator |
| 10 years | 3.990% | 0 | What's My Payment? |
10 Year Fixed Annual Percentage Rate (APR). $25,000 min./$150,000 max. Primary residence only. First lien only. Loan-to-Value must be 75% or less. Only fee is New York State Mortgage Tax. Does not apply to existing First New York real estate loans. This offer is good for refinance only. Must be credit qualified. Available for a limited time. Other terms and conditions may apply.
We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act.
