Aapex Mortgage Corp.

800-344-2739
program rate pts dwn fees apr
30-yr. Fixed 6.875 2.75 5% $395 7.107
15-yr. Fixed 6.375 2.75 5% $395 6.831
1-yr ARM 5.625 1.00 5% $395 5.712

 

Advantage Home Funding

914-344-0124
program rate pts dwn fees apr
30-yr. Fixed 7.875 0.00 5% $395 7.985
15-yr. Fixed 7.625 0.00 5% $395 7.735
30-yr. Jumbo 8.125 0.00 10% $395 8.235

 

Associated Mortgage Consult.

800-416-4025
program rate pts dwn fees apr
30-yr. Fixed 7.875 0.00 5% $225 7.875
15-yr. Fixed 7.500 0.00 5% $225 7.500
Jumbo 8.375 0.00 5% $225 8.375

 

Bank of New York Mortgage

800-677-9095
program rate pts dwn fees apr
SONYMA 6.750 1.50 3% $400 6.748
30-yr. Fixed* 7.750 0.13 3% $400 7.880
15-yr. Fixed* 7.500 0.13 3% $400 7.690

 

CFS Mortgage formerly CFS intercounty

800-571-4264
program rate pts dwn fees apr
30-yr. Fixed 7.875 0.00 5% $350 7.875
10/1 ARM 7.750 0.00 10% $350 7.906
7/1 ARM 7.500 0.00 10% $350 7.844

 

Choice National Mortgage

800-359-1500
program rate pts dwn fees apr
30-yr. Fixed 7.625 0.00 5% $250 7.650
15-yr. Fixed 7.375 0.00 5% $250 7.420
1-yr. Conv. 6.375 0.00 5% $250 6.670

 

Countrywide Home Loans

914-566-5656
program rate pts dwn fees apr
FHA 1-yr. ARM 6.375 1.25 2.25 $450 8.963
15-yr. FHA 7.500 1.00 2.25 $450 8.170
30-yr. FHA 7.875 1.00 2.25 $450 8.680

 

Federal Standard Mortgage

914-567-6300
program rate pts dwn fees apr
30-yr. Fixed 7.875 0.00 5% $395 7.880
15-yr. Fixed 7.625 0.00 5% $395 7.630
30-yr. Jumbo 8.250 0.00 5% $395 8.250

 

Goshen Savings Bank

800-246-7436
program rate pts dwn fees apr
30-yr. Fixed 8.000 0.00 5% $250 8.000
25-yr. Fixed 7.750 0.00 5% $250 7.750
15-yr. Fixed 7.500 0.00 5% $250 7.500

 

HSBC Mortgage Corp (USA)

716-651-6100
program rate pts dwn fees apr
30-yr. Fixed 7.375 2.00 5% - 7.620
15-yr. Fixed 6.875 1.88 5% - 7.240
30-yr. Jumbo 7.625 1.88 5% - 7.830

 

Hudson Heritage FCU

914-561-5607
program rate pts dwn fees apr
30-yr. Fixed 7.875 0.00 5% $250 7.880
20-yr. Fixed 7.750 0.00 5% $250 7.770
15-yr. Fixed 7.375 0.00 5% $250 7.380

 

Hudson United Bank

800-866-5805
program rate pts dwn fees apr
30-yr. Fixed 7.875 0.00 5% - 7.929
15-yr. Fixed 7.625 0.00 5% - 7.663
30-yr. Jumbo 8.250 0.00 20% - 8.326

 

Hudson Valley FCU

800-468-3011
program rate pts dwn fees apr
30-yr. Fixed 7.375 2.00 5% $295 7.650
15-yr. Fixed 6.875 2.00 5% $295 7.310
1-yr. ARM 5.125 0.00 10% $295 7.890

 

M & T Mortgage Corp.

914-567-2851
program rate pts dwn fees apr
30-yr. Fixed 7.750 0.75 5% $400 7.880
3/1 30-yr. ARM 7.125 0.00 5% $400 7.950
15-yr. Fixed 7.500 0.00 5% $400 7.660

 

Mid-Hudson Valley FCU

800-451-8373 ext. 3474
program rate pts dwn fees apr
30-yr. Fixed 7.250 3.00 5% $325 7.561
15-yr. Fixed 6.875 3.00 5% $325 7.367
1-yr. ARM 6.000 1.00 5% $325 7.446

 

National Security Mortgage

800-LOWESTRATE
program rate pts dwn fees apr
30-yr. Fixed 7.500 0.00 5% $300 7.610
15-yr. Fixed 7.125 0.00 5% $300 7.260
30-yr. Jumbo 7.875 0.00 10% $300 8.110

 

Norwest Mortgage

800-380-4641
program rate pts dwn fees apr
30-yr. Fixed 7.375 1.88 3% $325 7.571
15-yr. Fixed 6.875 2.13 5% $325 7.226
10-yr. Fixed 6.625 2.00 5% $325 7.086

 

Orange County Trust Co.

914-341-5022
program rate pts dwn fees apr
15-yr. Fixed 7.700 0.00 10% $375 7.700
15-yr. Fixed 7.200 2.00 10% $375 7.540
20-yr. Fixed 7.700 1.00 10% $375 7.840

 

PNC Mortgage

800-223-2119
program rate pts dwn fees apr
5/1 ARM 6.750 2.00 3% $350 7.870
30-yr. Fixed 7.500 2.00 3% $350 7.734
30-yr. FHA 7.875 1.00 3% $328 8.224

 

Premier National Bank

800-433-2265
program rate pts dwn fees apr
3/3 const/perm 7.750 1.00 5% $125 8.411
3/3 ARM 7.000 1.00 5% $125 7.204
1-yr. ARM 6.125 1.00 5% $125 8.190

 

Rochester Home Equity

800-797-6669
program rate pts dwn fees apr
30-yr. Fixed 7.625 0.00 5% $420 7.890
15-yr. Fixed 7.250 0.00 5% $420 7.510
30-yr. Jumbo 7.750 0.00 5% $420 8.010

 

Sawyer Savings Bank

800-486-9266
program rate pts dwn fees apr
30-yr. FRM 7.750 2.00 5% $305 7.961
15-yr. FRM 7.375 2.00 5% $305 7.703
1-yr. ARM 6.125 0.00 10% $305 8.207

 

Stissing National Bank

914-473-5500
program rate pts dwn fees apr
30-yr. Fixed 7.500 1.88 3% $- 7.760
15-yr. Fixed 7.125 2.00 3% $- 7.550
10/1 - 30-yr. 7.625 1.50 5% $- 8.410

 

Superior Mortgage Co.

800-724-8303
program rate pts dwn fees apr
30-yr. Fixed 8.000 0.00 3% $395 8.000
15-yr. Fixed 7.875 0.00 3% $395 7.875
1-yr. ARM 6.250 0.00 5% $395 6.250

 

Ulster Savings Bank

914-294-7922
program rate pts dwn fees apr
15-yr. Fixed 7.125 2.00 5% $395 7.559
30-yr. Fixed 7.625 2.00 5% $395 7.904
1-yr. ARM 6.750 0.50 5% $395 8.400

 

United National Mortgage

914-561-7770
program rate pts dwn fees apr
30-yr. Fixed 7.625 2.00 5% $195 7.620
15-yr. Fixed 7.250 2.00 5% $195 7.220
5/1 7.000 2.25 5% $195 6.980

 

Walden Federal S & L

914-778-5371
program rate pts dwn fees apr
30-yr. Fixed 7.500 2.75 5% $395 7.790
15-yr. Fixed 7.000 2.75 5% $395 7.450
SONYMA 6.750 2.00 5% $395 6.990

 

Walden Savings Bank

914-778-7505
program rate pts dwn fees apr
5/1 ARM 7.000 0.00 5% $300 7.656
5/1 Adj. Const. 7.000 0.00 5% $300 7.656
Land Loans 9.500 0.00 35% $0 9.500

 

Wallkill Valley Federal S & L

914-895-2051
program rate pts dwn fees apr
30-yr. Fixed 8.125 0.00 10% $410 8.125
15-yr. Fixed 7.000 3.00 10% $220 7.490
15-yr. Fixed 7.750 0.00 10% $220 7.750

 

The Warwick Savings Bank

914-567-1400
program rate pts dwn fees apr
30-yr. Fixed 8.125 0.00 5% $375 8.137
15-yr. Fixed 7.750 0.00 5% $375 7.768
3/1 ARM 6.990 0.00 5% $375 7.915


Rates valid as of November 19, 1999 and are subject to change at any time.