Conventional Mortgages as of October 19, 2018
Programs	Rate	APR	*Est. Payment/$1,000
30 Year Fixed	5.50%	5.773%	$5.68
25 Year Fixed	5.50%	5.810%	$6.14
20 Year Fixed	5.375%	5.741%	$6.81
15 Year Fixed	4.875%	5.331%	$7.84
10 Year Fixed	4.875%	5.527%	$10.55

*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