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Homes and Community Renewal

Current Interest Rates for 30-Year Mortgages

  Without
Down Payment Assistance
With
Down Payment Assistance
Low Interest Rate Mortgage Program
Current Interest Rate (short-term lock-in rate) 3.625% 4.000%
Points 0% 0%
Annual Percentage Rate (APR)1 3.625% 4.000%
Maximum Financing 97% 97%
Monthly payment per $1,000 borrowed $4.56 $4.77
Achieving the Dream Mortgage Program3
Current Interest Rate2 3.250% 3.625%
Points 0% 0%
Annual Percentage Rate (APR)1 3.250% 3.625%
Maximum Financing 97% 97%
Monthly payment per $1,000 borrowed $4.35 $4.56
Construction Incentive Program3
Current Interest Rate (long-term lock-in rate) 3.625% 4.000%
Points 0% 0%
Annual Percentage Rate (APR)1 3.625% 4.000%
Maximum Financing 97% 97%
Monthly payment per $1,000 borrowed $4.56 $4.77

1 APR calculation does not include PMI, if any.

2 Achieving the Dream offers both short-term lock-ins and long-term lock-ins.

3 ENERGY STAR® interest rates are .375% lower than our standard interest rates for loans with down payment assistance.

4 Rates are subject to change at any time.


Call SONYMA at 800-382-HOME (4663) orcontact a SONYMA Participating Lender for further details.