Compare mortgages

Loans ranked by what they'd cost you in total over the years you expect to keep them: interest, points and fees, not just the advertised rate.

Example loan profiles These are illustrative profiles of the loans available in New York in October 2026, not quotes you can apply for. Use them to see how rate, fees and term trade off, then ask a lender or broker for real quotes. Got Loan Estimates already? Compare them side by side.

Lowest total cost on a $800,000 loan kept 7 years: Mortgage broker, 7/1 arm jumbo, at $322,113 in interest, points and fees.

1
Mortgage broker7/1 ARM jumbo
Pin
Total cost, 7 years
$322,113
Rate
5.950%
APR
6.31%
Minimum down payment
20%
ExampleSeven-year horizon
More terms
Type
Best of 28 wholesale lenders
Points and fees
0.25 points · $2,900
Rate lock
45 days. Free to 45 days
Prepayment penalty
None
Time to close
28 days
Of the total
$317,213 interest, $4,900 points and fees
2
Independent jumbo lender30-year fixed jumbo
Pin
Total cost, 7 years
$346,847
Rate
6.350%
APR
6.44%
Minimum down payment
20%
ExampleOwner-occupierStrong credit
More terms
Type
Rate and term
Points and fees
0.5 points · $3,200
Rate lock
45 days. Free to 45 days; 0.125 pt per 15 days after
Prepayment penalty
None
Time to close
30 days
Of the total
$339,647 interest, $7,200 points and fees
3
International private bank30-year fixed, no US credit history
Pin
Total cost, 7 years
$392,587
Rate
7.050%
APR
7.22%
Minimum down payment
35%
ExampleNon-residentCondominium only
More terms
Type
Foreign national
Points and fees
1 points · $5,500
Rate lock
45 days. Free to 45 days
Prepayment penalty
None
Time to close
45 days
Of the total
$379,087 interest, $13,500 points and fees
4
Portfolio lender30-year DSCR investor loan
Pin
Total cost, 7 years
$402,292
Rate
7.250%
APR
7.48%
Minimum down payment
25%
ExampleInvestorIncome from the property, not salary
More terms
Type
Debt-service coverage
Points and fees
1 points · $3,900
Rate lock
30 days. 0.25 pt to extend 30 days
Prepayment penalty
3-2-1 step-down
Time to close
21 days
Of the total
$390,392 interest, $11,900 points and fees
5
Private bankJumbo, 10-year interest-only, then 20-year amortising
Pin
Total cost, 7 years
$472,100
Rate
5.850%
APR
5.98%
Minimum down payment
30%
ExampleHigh net worthAssets moved to the bank
More terms
Type
Relationship pricing
Points and fees
0 points · $4,500
Rate lock
60 days. Free to 60 days
Prepayment penalty
None
Time to close
35 days
Of the total
$327,600 interest, $4,500 points and fees, $140,000 forgone on money moved

The full comparison table

Lender and loan	Rate and APR	Points and fees	Rate lock	Minimum down payment	Total cost, 7 years
Mortgage broker ExampleBest of 28 wholesale lenders · 7/1 ARM jumboSeven-year horizon	5.950%6.31% APR	0.25 points · $2,900	45 daysFree to 45 days	20%	$322,113$317,213 interest
Independent jumbo lender ExampleRate and term · 30-year fixed jumboOwner-occupierStrong credit	6.350%6.44% APR	0.5 points · $3,200	45 daysFree to 45 days; 0.125 pt per 15 days after	20%	$346,847$339,647 interest
International private bank ExampleForeign national · 30-year fixed, no US credit historyNon-residentCondominium only	7.050%7.22% APR	1 points · $5,500	45 daysFree to 45 days	35%	$392,587$379,087 interest
Portfolio lender ExampleDebt-service coverage · 30-year DSCR investor loanInvestorIncome from the property, not salary	7.250%7.48% APR	1 points · $3,900	30 days0.25 pt to extend 30 days	25%	$402,292$390,392 interest
Private bank ExampleRelationship pricing · Jumbo, 10-year interest-only, then 20-year amortisingHigh net worthAssets moved to the bank	5.850%5.98% APR	0 points · $4,500	60 daysFree to 60 days	30%	$472,100$327,600 interest, $140,000 you'd forgo on money moved to the bank

Total cost counts the interest you'd pay and the points and fees over the years you keep the loan. For relationship pricing it also counts what the money you move to the bank would have earned elsewhere (one point more, here). It doesn't count principal you repay, which stays yours.

How we calculate this: the formula, every default and what's left out

The two cheapest, side by side

Pin up to three loans above to compare them here.

Mortgage broker Example

5.950% · 7/1 ARM jumbo

Monthly payment: $4,771
Total cost over 7 years: $322,113

Cash to buy with this loan

Independent jumbo lender Example

6.350% · 30-year fixed jumbo

Monthly payment: $4,978
Total cost over 7 years: $346,847

Cash to buy with this loan

Professionals directory

Directory opening later The four profiles below are fictional samples showing what each listing will include. The firms, ratings and response times aren't real.

Home inspectorSample profile

Harbour & Hale InspectionManhattan, Brooklyn · English, Spanish

Thermal imagingMoisture mappingSewer scopeDrone roof survey

Fee: $1,150–1,900
Turnaround: Report in 24 h
Cover: $2m E&O
Example rating: 4.9 out of 5, from 128 deals

Replies in about 40 min · Sample report available

Home inspectorSample profile

East End Building ScienceSouthampton, East Hampton · English

Thermal imagingDrone roof surveyPool and septicRadon

Fee: $1,400–2,600
Turnaround: Report in 48 h
Cover: $1m E&O
Example rating: 4.8 out of 5, from 64 deals

Replies in about 2 h · Sample report available

Mortgage brokerSample profile

Calloway Mortgage PartnersNew York State · English, Mandarin, French

JumboInterest-onlyForeign nationalPhysician

Fee: Lender-paid
Turnaround: Pre-approval in 2 days
Cover: NMLS licensed
Example rating: 4.9 out of 5, from 211 deals

Replies in about 1 h

Real estate attorneySample profile

Whitcombe Ostrander LLPManhattan, East End · English, Italian, Hebrew

Co-op board packagesNew development1031 exchangesLLC purchases

Fee: $4,500–6,500 flat
Turnaround: Contract review in 48 h
Cover: Admitted in New York
Example rating: 5.0 out of 5, from 97 deals

Replies same day

Are you a property professional?

Mortgage brokers, lenders, agents, inspectors, attorneys and property managers in New York can apply to be listed when the directory opens. We'll reply personally.