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New York Mortgage Loans: Refinance, Home Equity, Purchase a Home

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Biweekly mortgage
A Biweekly mortgage has payments every two weeks. Since the payments are made every two weeks there are 26 payments made each year. Biweekly payments allow you to pay off the loan with a smaller over-all interest payment due to frequent principal balance reductions.

First Mortgage (Refinance and Purchase) Conforming Loan Limits:
Effective January 1, 2006

Single Family Residence Two Family Residence Three Family Residence Four Family Residence
$417,000 $533,850 $645,300 $801,950
Mortgage Loan Limits are 50% higher in Alaska, Hawaii, Guam, and the U.S. Virgin Islands are 50 percent higher than the mortgage limits for the rest of the country.

Second Mortgage (HELOC, Second Trust Deed):
$208,500
$312,750 in Alaska, Hawaii, Guam, and the U.S. Virgin Islands

FHA mortgage loan limts by County:
County Single Family 2 Units 3 Units 4 Units
ALBANY $228,000 $256,800 $256,800 $312,000
ALLEGANY $200,160 $256,248 $256,248 $309,744
BRONX $362,790 $464,449 $464,449 $561,411
BROOME $200,160 $256,248 $256,248 $309,744
CATTARAUGUS $200,160 $256,248 $256,248 $309,744
CAYUGA $200,160 $256,248 $256,248 $309,744
CHAUTAUQUA $200,160 $256,248 $256,248 $309,744
CHEMUNG $200,160 $256,248 $256,248 $309,744
CHENANGO $200,160 $256,248 $256,248 $309,744
CLINTON $200,160 $256,248 $256,248 $309,744
COLUMBIA $200,160 $256,248 $256,248 $309,744
CORTLAND $200,160 $256,248 $256,248 $309,744
DELAWARE $200,160 $256,248 $256,248 $309,744
DUTCHESS $308,750 $347,750 $347,750 $422,500
ERIE $209,057 $256,248 $256,248 $309,744
ESSEX $200,160 $256,248 $256,248 $309,744
FRANKLIN $200,160 $256,248 $256,248 $309,744
FULTON $200,160 $256,248 $256,248 $309,744
GENESEE $200,160 $256,248 $256,248 $309,744
GREENE $200,160 $256,248 $256,248 $309,744
HAMILTON $200,160 $256,248 $256,248 $309,744
HERKIMER $200,160 $256,248 $256,248 $309,744
JEFFERSON $200,160 $256,248 $256,248 $309,744
KINGS $362,790 $464,449 $464,449 $561,411
LEWIS $200,160 $256,248 $256,248 $309,744
LIVINGSTON $201,400 $256,248 $256,248 $309,744
MADISON $203,300 $256,248 $256,248 $309,744
MONROE $201,400 $256,248 $256,248 $309,744
MONTGOMERY $200,160 $256,248 $256,248 $309,744
NASSAU $362,790 $464,449 $464,449 $561,411
NEW YORK $362,790 $464,449 $464,449 $561,411
NIAGARA $209,057 $256,248 $256,248 $309,744
ONEIDA $200,160 $256,248 $256,248 $309,744
ONONDAGA $203,300 $256,248 $256,248 $309,744
ONTARIO $201,400 $256,248 $256,248 $309,744
ORANGE $308,750 $347,750 $347,750 $422,500
ORLEANS $201,400 $256,248 $256,248 $309,744
OSWEGO $203,300 $256,248 $256,248 $309,744
OTSEGO $200,160 $256,248 $256,248 $309,744
PUTNAM $362,790 $464,449 $464,449 $561,411
QUEENS $362,790 $464,449 $464,449 $561,411
RENSSELAER $228,000 $256,800 $256,800 $312,000
RICHMOND $362,790 $464,449 $464,449 $561,411
ROCKLAND $362,790 $464,449 $464,449 $561,411
SARATOGA $228,000 $256,800 $256,800 $312,000
SCHENECTADY $228,000 $256,800 $256,800 $312,000
SCHOHARIE $228,000 $256,800 $256,800 $312,000
SCHUYLER $200,160 $256,248 $256,248 $309,744
SENECA $200,160 $256,248 $256,248 $309,744
ST. LAWRENCE $200,160 $256,248 $256,248 $309,744
STEUBEN $200,160 $256,248 $256,248 $309,744
SUFFOLK $362,790 $464,449 $464,449 $561,411
SULLIVAN $200,160 $256,248 $256,248 $309,744
TIOGA $200,160 $256,248 $256,248 $309,744
TOMPKINS $200,160 $256,248 $256,248 $309,744
ULSTER $246,300 $277,411 $277,411 $337,042
WARREN $200,160 $256,248 $256,248 $309,744
WASHINGTON $200,160 $256,248 $256,248 $309,744
WAYNE $201,400 $256,248 $256,248 $309,744
WESTCHESTER $362,790 $464,449 $464,449 $561,411
WYOMING $200,160 $256,248 $256,248 $309,744
YATES $200,160 $256,248 $256,248 $309,744