Mortgage lenders in Staten Island
Reliant Home Funding is a licensed New York mortgage lender that provides comprehensive home financing services to residents and homebuyers throughout Staten Island.
As a locally-based team, we understand the unique real estate market dynamics across the five boroughs, offering a range of loan products tailored to meet diverse borrower needs while maintaining strict compliance with all fair lending practices.
Compare live Staten Island mortgage rates
Adjust your scenario and press Update Rates to see real lender pricing. Rates shown are not a commitment to lend.
13 offers · $640,000 loan in 10301 · Live pricing
Not seeing the rates you’re looking for?
Talk to a licensed loan officer and get pricing tailored to your exact scenario.
This week in the Mortgage market in New York
For borrowers in New York, our featured Mortgage pricing today is 6.490% (6.560% APR) with 0.393 discount points (about $2,515 paid at closing). The APR folds in lender fees and points alongside the interest rate, so it gives a fuller picture of what the loan costs than the rate alone. At that rate the estimated principal and interest payment is $4,041 per month, before property taxes, homeowners insurance and any HOA dues. This pricing assumes a $640,000 purchase loan on a $800,000 single-family primary residence in ZIP 10301, New York, with $160,000 down, a 780+ credit score and a 30-day rate lock, as of November 6, 2026. Your own rate depends on your credit, loan amount, property and program, and rates change daily — this is not a commitment to lend.
Mortgage market conditions are constantly shifting in response to broader economic indicators and policy decisions. Because the environment remains dynamic, borrowers should focus on understanding their personal financial health, such as credit profile and debt management, rather than attempting to time the market. Working with a lender who provides clear information about the current lending landscape can help you make an informed decision regardless of broader economic fluctuations.
This week, the Freddie Mac national average for a 30-year fixed-rate mortgage dipped to 7.24%, marking a 0.08% decrease from last week. To put this in perspective, current rates remain within the 52-week range of 5.98% to 7.4%, reflecting ongoing shifts in the broader economy. For New York homebuyers, this slight movement can impact monthly affordability, while those currently holding higher-rate mortgages may continue to evaluate if refinancing aligns with their long-term financial goals.
Alongside the 30-year option, the national average for a 15-year fixed-rate mortgage is currently sitting at 6.6%. Choosing between these loan programs involves weighing your monthly budget against the total interest paid over the life of the loan. As you navigate the competitive New York real estate market, staying informed about these national benchmarks provides a helpful baseline for your planning process, though individual circumstances will ultimately determine the specific terms available to you.
52 weeks of mortgage rates
The line shows the Freddie Mac national 30-year fixed average each week. The dashed line is our featured New York pricing today.
Source: Freddie Mac Primary Mortgage Market Survey. National averages are survey data, not quotes.
Mortgage in New York
The Staten Island housing market presents unique opportunities ranging from historic homes in St. George to suburban-style living in neighborhoods like Todt Hill and Great Kills. Borrowers in this area often consider how property taxes and local zoning laws impact their overall debt-to-income ratios and financing qualifications.
Reliant Home Funding assists borrowers with navigating these local factors, whether you are looking for a conventional loan for a primary residence or exploring other programs. We emphasize local market knowledge to ensure that your mortgage process aligns with the specific requirements of the Staten Island real estate landscape.
Which loan program fits you?
Conventional
Backed by Fannie Mae or Freddie Mac. Strong pricing with 3% down and up for qualified buyers, and mortgage insurance drops off once you reach 20% equity.
FHA
Government-insured with flexible credit requirements and 3.5% down. Mortgage insurance applies for the life of most FHA loans, but the rate is often competitive.
VA
For eligible veterans, active-duty service members and surviving spouses. No down payment required and no monthly mortgage insurance.
Jumbo
For loan amounts above the conforming limit — common across downstate New York. Requires stronger reserves and credit, with pricing that moves independently of conforming loans.
USDA
Zero-down financing for eligible rural and small-town New York properties, subject to income and location limits.
How Mortgage pricing works
When comparing mortgage options, it is essential to look beyond the base interest rate and evaluate the Annual Percentage Rate (APR), which provides a more comprehensive view of the total cost of borrowing by including certain fees and costs. Always request a formal Loan Estimate, which standardizes the presentation of interest rates, points, lender credits, and closing costs, making it easier to weigh different offers side by side.
Consider the responsiveness and transparency of your potential lender during the initial consultation. An effective lender should be able to explain how various loan terms—such as down payment amounts or loan duration—affect your long-term financial goals and monthly obligations. Evaluating the full scope of a loan offer helps ensure you select the financing solution that best fits your individual financial situation.
New York-specific things to know
SONYMA programs
The State of New York Mortgage Agency offers below-market rate programs and down payment assistance for first-time buyers who meet income and purchase-price limits.
CEMA on refinances
A Consolidation, Extension and Modification Agreement can reduce New York’s mortgage recording tax when you refinance. Ask whether your loan qualifies before you lock.
Co-op financing
New York City co-ops are financed as share loans rather than real property, so lender guidelines, building approvals and closing costs differ from condos.
Closing cost planning
Between the mortgage recording tax, title, and attorney representation at closing, New York closing costs typically run higher than the national average — budget accordingly.
Frequently asked questions
Mortgage lenders in Staten Island?
Reliant Home Funding is a New York-licensed mortgage lender serving Staten Island residents. We provide a variety of loan programs and personalized guidance to help you navigate the home financing process.
What documentation do I need to start a mortgage application in New York?
Typically, you will need to provide proof of income, such as recent pay stubs and W-2 forms, along with bank statements and information regarding existing debts. Your lender will guide you through the specific documentation required based on your financial background and the loan program.
How do I choose the right mortgage program for my Staten Island home?
The right mortgage program depends on factors like your down payment, credit history, and long-term financial goals. A qualified loan officer can help you compare conventional and government-backed options to see which aligns best with your specific needs.
What is the difference between an interest rate and APR?
The interest rate is the cost of borrowing the principal loan amount, while the Annual Percentage Rate (APR) includes the interest rate plus other fees and costs associated with the loan. APR provides a more complete picture of the total cost of the mortgage.
Does Reliant Home Funding serve all areas of Staten Island?
Yes, we are a New York-licensed lender that serves clients across all neighborhoods in Staten Island. Our team is committed to assisting borrowers throughout the entire borough with their home financing needs.
More New York rate pages
- → New York Mortgage Rates Today
- → New York Conventional Mortgage Rates — 2026
- → New York FHA Mortgage Rates — 2026
- → New York VA Mortgage Rates — 2026
- → New York Jumbo Mortgage Rates — 2026
- → New York USDA Mortgage Rates — 2026
- → New York Mortgage Refinance Rates — 2026
- → New York 15-Year Mortgage Rates — 2026
- → New York Adjustable-Rate Mortgage (ARM) Rates — 2026
- → New York Cash-Out Refinance Rates — 2026
- → New York First-Time Home Buyer Mortgage Rates — 2026
- → Suffolk County Mortgage Rates
- → Nassau County Mortgage Rates
Reviewed by
Gregory A. Topal · Chief Executive Officer, Reliant Home Funding
Licensed mortgage loan originator, NMLS #38684. Gregory leads Reliant Home Funding, a Long Island-based lender serving New York homebuyers. Last reviewed November 6, 2026.
Rate assumptions. Pricing shown is based on a $640,000 purchase loan on a $800,000 single-family primary residence in ZIP 10301, NY, with $160,000 down, a 780+ credit score and a 30-day lock, as of November 6, 2026. Rates and terms are subject to change without notice and are not a commitment to lend. Your actual rate, payment and costs may differ. APR includes estimated lender fees. All loans subject to credit approval and property appraisal. Reliant Home Funding, NMLS #292473. Equal Housing Opportunity.