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    NEXT STEP mortgage rates

    NEXT STEP's lowest publicly advertised 30-year fixed rate today is 6.5% — the national average is 6.88%. That's about $36,281 saved over the life of a $400,000, 30-year loan. We track NEXT STEP daily and refresh rates every morning.

    Today's rates from NEXT STEP

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.5%6.667%0Sep 11, 2026Visit
    20 Year Fixed5.99%6.201%0Sep 11, 2026Visit
    15 Year Fixed5.875%6.138%0Sep 11, 2026Visit
    7 Year ARM5.375%6.381%0Sep 11, 2026Visit
    10 Year ARM5.75%6.376%0Sep 11, 2026Visit
    Visit NEXT STEP's rates page

    Rate history

    Lowest daily rate NEXT STEP advertised for each product, 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

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

    New York

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

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