Conventional Mortgages as of April 20, 2019
Programs	Rate	APR	*Est. Payment/$1,000
30 Year Fixed	4.50%	4.757%	$5.07
25 Year Fixed	4.50%	4.795%	$5.56
20 Year Fixed	4.375%	4.628%	$6.26
15 Year Fixed	4.00%	4.32%	$7.40
10 Year Fixed	4.00%	4.462%	$10.12

*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