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    Home state: New York
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    NEXT STEP mortgage rates

    NEXT STEP's lowest publicly advertised 30-year fixed rate today is 7.687% APR — the national average is 7.147%. We read NEXT STEP's rates every weekday, starting around 11 a.m. Central.

    We last read NEXT STEP's rates page on Nov 2, 2026.

    Today's rates from NEXT STEP

    ProductRateAPRPointsWe readSource
    30 Year Fixed7.5%7.687%0Nov 2, 2026Visit
    20 Year Fixed7.25%7.485%0Nov 2, 2026Visit
    15 Year Fixed6.875%7.149%0Nov 2, 2026Visit
    7 Year ARM6.5%7.084%0Nov 2, 2026Visit
    10 Year ARM6.75%7.127%0Nov 2, 2026Visit
    Visit NEXT STEP's rates page

    Rate history

    Lowest daily APR, or rate when APR is not published, for each product over the past 90 days.

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

    Who can join NEXT STEP

    Membership is open to anyone who lives, works, worships, or attends school in Albany, Columbia, Fulton, Montgomery, Rensselaer, Saratoga, Schenectady, Schoharie, Warren, or Washington County in New York. Family members of existing members are also eligible to join.

    County
    Albany County, NY, Columbia County, NY, Fulton County, NY, Montgomery County, NY, Rensselaer County, NY, Saratoga County, NY, Schenectady County, NY, Schoharie County, NY, Warren County, NY, Washington County, NY

    Where NEXT STEP writes mortgages

    NEXT STEP publishes mortgage lending in 1 state.

    New York

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

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