Conventional Mortgages as of February 19, 2019
Programs	Rate	APR	*Est. Payment/$1,000
30 Year Fixed	4.625%	5.14%	$5.14
25 Year Fixed	4.625%	4.922%	$5.63
20 Year Fixed	4.500%	4.853%	$6.33
15 Year Fixed	4.125%	4.446%	$7.46
10 Year Fixed	4.125%	4.588%	$10.18

*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