Home state: New York

    ALTERNATIVES mortgage rates

    ALTERNATIVES's lowest publicly advertised 30-year fixed rate today is 6.75% — the national average is 6.805%. That's about $5,271 saved over the life of a $400,000, 30-year loan. We track ALTERNATIVES daily and refresh rates every morning.

    Rates as of Sep 4, 2026

    Today's rates from ALTERNATIVES

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.75%6.899%0Sep 4, 2026Visit
    20 Year Fixed6.875%7.073%0Sep 4, 2026Visit
    15 Year Fixed6.375%6.484%0Sep 4, 2026Visit
    FHA 30 Year Fixed6.875%7.834%0Sep 4, 2026Visit

    Rate history

    Lowest daily rate ALTERNATIVES advertised for each product, past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join ALTERNATIVES

    Membership is open to individuals who live in one of 17 select counties across Central New York and the Finger Lakes region. You can join by becoming a member of the Alternatives Fund of Ithaca, Inc. for a one-time $2 fee and opening a savings account with a $5 deposit.

    Association / SEG
    Alternatives Fund of Ithaca, Inc.
    County
    Tompkins County, NY, Cayuga County, NY, Chemung County, NY, Cortland County, NY, Schuyler County, NY, Seneca County, NY, Steuben County, NY, Tioga County, NY, Monroe County, NY, Orleans County, NY, Genesee County, NY, Livingston County, NY

    Where ALTERNATIVES writes mortgages

    Lending states not published; shown as serving its chartered area. Confirm directly with ALTERNATIVES.

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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