Mortgage Rates

NOTE: Early Sunrise Realty supports Equal Opportunity Lenders and endorses no institution above any other. Rates are deemed reliable as of the above date, but may change daily. Please call for updated information: 585-638-0020.

Click here to calculate the monthly Principle and Interest payments on any loan for which you know the Principle Amount, the Term and the Rate.

NA–not available. NQ–rate not quoted. All rates are deemed reliable as of the above date but are subject to change; please call Early Sunrise Realty LLC for daily updates: 585-638-0020. Underwriting guidelines, criteria and fees may freely change from the above. In each loan category, the first of the points that are listed correspond with the high rate; the second points with the low rate. Conventional conforming loan limit is $252,700.Lenders: to be listed in this column, call 716-544-3439.

Mortgage Rate Guide



Institution 30-Year Fixed
High/Low+Points
15-Year Fixed
High/Low+Points
1-Year ARM
High/Low+Points
Additional Programs
Banks              
Charter One Bank, NA
585-423-7200
6.25
5.50
0.00
3.00
5.625
4.875
0.00
3.00
4.50
3.00
0.00
3.00
5% down no PMI option available; call for details. One-close new construction
loan/mortgage. Loan officer on duty Sat. 9am–noon, 423-7205.
Fairport Savings Bank
585-223-7043
6.25
5.75
0.00
3.50
5.625
5.125
0.00
2.50
4.25
0.00
Ask about our reduced closing costs for 10 and 15 year mortgages. Low introductory
rate of 1.99% offered on home equity lines of credit. Local decision - making.
Fleet Bank,
585-546-9650
6.375
0.00
5.71
0.00
4.50
0.00
Ask about Fleet’s “No Closing Cost” Refinance Option.
546-9650 Ans. Service 7 days per week.
JPMorgan Chase Bank
585-241-6900
6.250
5.750
0.00
2.250
5.625
4.875
0.00
3.00
5.125
4.500
0.00
1.125
Pre-approval, FHA/VA loans. No closing cost home equity lines/loans.
103% LTV mortgages. No income/assets verification product offered.
Credit Unions              
Advantage Federal CU
585-454-5900
6.25
5.75
0.00
2.00
5.625
5.125
0.00
2.00
4.375
4.125
0.00
1.00
Home equity line of credit 1.25% for 6 months, prime -.25% for life.
Home equity loan 3.74% variable, 6.7% fixed. Home Improvement 7.7%
ESL Federal CU
585-336-1515
6.250
5.625
0.00
3.00
5.625
5.000
0.00
3.00
4.625
3.625
0.00
2.00
An ESL Home Equity Line of Credit gets you cash for Everything you
want from A to Z. You also get our lowest rates ever. Call 336-1000.
Family 1st of NY FCU
585-586-8225
6.250
5.98
0.00
2.50
5.625
5.47
0.00
2.25
4.125
0.00
Home Equity Line of Credit Special Rate: 1.49% APR for first 6 mos, then Prime + 0%. Limitedtime
offer! Call 586-8225 for more info. Other home equity & home improvement products are alsoavail.
Pittsford Federal CU
585-381-3885
6.25
5.50
0.00
3.875
5.625
4.75
0.00
3.625
2.75
0.00
Home Equity Loc - 1.49% for 7 months, then Prime - .25% for loans $25,000
and greater, up to 90% LTV, with no closing costs up to $50,000.
The Summit FCU
585-453-7010
6.25
5.75
0.00
2.125
5.50
5.00
0.00
2.375
4.75
4.125
0.00
0.00
Home equity line of credit as low as 1.49% for the first six months.
Then prime minus (-.30) for the life of the loan. No closing costs.
Xerox Federal CU
585-787-3423 or 3410
6.38
6.00
0.00
1.50
5.75
5.38
0.00
1.50
4.50
0.00
Home Equity Line rates currently start at 3.75%. Loans start at 5.50%.
Mortgages have convenient re-lock options if rates go down.
Mortgage Bankers              
CNB Mortgage
585-385-2370
6.25
6.00
0.00
1.00
5.62
5.37
0.00
1.00


Local originations, underwriting and closings! Ask about 90% LTV
with no escrows required.
Devere Capital Corp.
585-263-3370
6.25
0.00
5.75
0.00
3.375
0.00
Ask about our low rate guarantee!*
Some restricitons apply. 585-263-3370. 20 Years of Excellence.
Home Funding Finders, Inc.
585-899-5554
6.125
0.00
5.625
0.00
3.375
0.00
10 yr fixed @ 5.125% w/one Free pre-approvals. Give Anne a call and
we’ll get you moving! We have all the products for your home funding.
HSBC Mortgage Corp.
800-537-8705
6.250
5.750
0.00
2.750
5.625
5.250
0.00
1.250
5.375
4.500
0(5/1Libor)
2.625
We’ve blown the roof off Home Equity lending! Call today at
800-537-8705, to find out how you can get our special rate.
Mortgage IT
585-899-8032
5.625
5.75
0.50*
0.00
5.50
5.25
0.00
1.00
4.00
1.00
100 % financing30 year fixed, no mortgage insurance, 6.75%+0. *30 year rate
may have income limits. For rate quote 24/7 call Jonathan @ 576-0130.
M&T Mortgage Corp.
585-258-8355
6.125
1.75
5.625
1.25
4.875
0.00
CALL FOR MORTGAGE INFO ON MODULAR HOME
CONSTRUCTION FINANCING.
Nothnagle Home Securities
585-461-4110
6.375
5.625
0.00
4.00
5.75
4.875
0.00
4.00
4.125
3.875
0.00
1.00
Lowest closing costs. No hidden fees. find out more about our programs at
www.snapmortgage.com
Premium Mortgage Corp.
585-241-0000
6.125
5.875
0.00
1.00
5.50
5.25
0.00
1.00
4.75
1.00
Call Phyllis Haberer at 241-0000, ext 103 about the FLEX ARM at 4.25%.
Rochester Home Equity
585-263-4353
5.875
4.625
0.00
8.00
5.25
3.75
0.00
9.00
4.00
2.375
0.00
3.00
ARM PROGRAMS AVAILABLE: 3/1 - 4.50; 5/1 - 5.0; 7/1 - 5.375.
LOWEST CLOSING COSTS.
Wells Fargo Home Mtg. Banker
800-246-2358
6.25
5.75
0.00
2.00
5.75
5.25
0.00
2.00


Call America’s oldest & most trusted lender. Rates are for 125k-333k. 30 yr FHA 6.5% for
100K+. All Rate Locks for 60 Days. No income verif loans available.
Mortgage Brokers              
First Rochester Mortgage
585-427-9200
5.750
5.250
0.00
2.375
5.750
5.125
0.00
2.375
4.375
0.25
Income Limits apply to 30 Yr. Rate. NEW One Close Construction Loan! Problem Credit
ok. Nights and weekends call 585-261-3810. www.firstrochestermortgage.com
Greater Rochester Mortgage
585-723-2700 or 800-838-7570
5.750
5.250
0.00
2.375
5.500
4.625
0.00
4.00
4.375
0.00
(5.75%1 pts.150-400K 30 yr fixed.) Same day approvals on many programs. Loan size & income may
affect pricing. Call AL 747-0987 or Juanita 503-2873 24/7. www.greaterrochestermortgage.com
Preferred Mortgage Corp.
of New York 585-288-2930
5.75
0.00
5.625
0.00


Income Limits Apply, Locally Owned and Operated.
Financing for Florida properties available.
Prime Mortgage Corp.
585-383-8390
6.25
0.00
5.625
0.00
3.125
0.00
FHA, VA, SONYMA, jumbo, & construction available.
5.75+0 pts available / income limits for 30 yrs. www.primemortgageny.com
Riverview Mortgage Corp.
585-321-0020
5.75
0.00*
5.50
0.00


Programs for all credit. Free prequalification. 10 year 5.5%.
507-5787 after hours. *Income Limits Apply
Rochester Area Mortgage
Services 585-385-4400
6.125
5.75
0.00
2.00
5.75
5.25
0.00
2.00
4.375
3.875
0.00
1.25
www.ramsinc.com FHA, VA, SONYMA, Best Jumbo Rates. Lowest closing costs.
20 YR 6.00, 10 YR 5.50, ARMS: 3/1 4.50, 5./1 5.375, 7/1 5.875
Uni-Source Funding
585-670-0400
6.00
5.375
0.00
3.00
5.75
4.875
0.00
4.00
3.95
0.00
30 YR rate restrictions apply. 1st time homebuyer programs.
100% and No PMI Loans, new construction and No Doc loans

Lenders, to be listed in this column, call 1-800-CNS-8525. NA–not available. NQ–rate not quoted. All rates current however rates are subject to change & many have different non-customer rates. Many lenders charge application fees. Rates, points, and programs cannot be guaranteed after the effective date. In each loan category, the first of the points that are listed correspond with the high rate; the second points with the low rate. Conventional conforming loan limit is $333,700. Extensive mortgage, real estate, and consumer financial information, including tips and definitions of terms