Conventional Mortgages as of December 13, 2018
Programs	Rate	APR	*Est. Payment/$1,000
30 Year Fixed	5.125%	5.392%	$5.44
25 Year Fixed	5.125%	5.430%	$5.92
20 Year Fixed	5.00%	5.360%	$6.60
15 Year Fixed	4.75%	5.204%	$7.78
10 Year Fixed	4.75%	5.401%	$10.48

*Estimate includes principal and interest only.

**The rates are for loans in the range of $35,000 to $453,100. Owner-occupied 1-4 family properties within New York State only (excluding Nassau and Suffolk Counties). ** All Annual Percentage Rates are based on a 20% down payment and amortized over the maximum term. Other options available.

APR=Annual Percentage Rate

For information regarding Adjustable Rate Mortgages please call 585.454.5900.

Consumer handbook on Adjustable-Rate Mortgages