Today's Mortgage Refinance rates
Take advantage of FourLeaf's competitive rates.
30 Year Conventional Fixed Rate
(Rates assume a NY property)
(Rates assume a NY property)
6.500%
Rate [1]
6.592%
APR [2]
Looking to fill out an application yourself?
If you are ready to apply online now, here's some information before you get started:
- The online mortgage application usually takes 15-20 minutes
- Easy online payment methods
- Recurring payment schedule
Rather work with a specialist? Get Started
Do you have a Mortgage in progress?
You can check on the status of your loan application, view any to-do’s, and much more in our Borrower Center.
Interested in mortgage refinancing?
I want to...
Helpful home loan resources suggested for you. Find out more about home mortgages, home finance, loans and more.
Mortgage options to fit your refinancing needs.
Make consistent monthly payments for the life of the loan.
Start with a lower initial interest rate and monthly payments.
Receive a higher loan amount for more expensive homes.
Finance a home with less money down and a less restrictive approval process than a traditional mortgage.
Pay less interest with a short-term fixed loan. (View payment examples)
Make a smart investment, whether for rental or resale.
Explore the most commonly-asked refinance questions.
Yes, you can pay off your FourLeaf Fixed-rate Mortgage any time without any pre-payment penalties.
By completing a loan application, a FourLeaf Mortgage Loan Officer can help you determine the mortgage amount that you can afford. Or, you can get a ballpark idea using our home affordability calculator.
The documentation you will need to obtain a mortgage includes:
- Most recent pay stubs covering the last 30-day period
- Past two years of W-2 Forms from all employers (current & previous)
- 2 most recent bank statements (all pages). Include all accounts used for transaction
- Past 2 years of Federal Tax returns (1040 Form) with all pages and schedules (if applicable, self-employed/rental income/retirement income)
Additional items you will need when purchasing a home:
- Your attorney’s contact information
- Your realtor’s contact information
- Copy of fully executed and dated Contract of Sale
As you go through the process, additional documentation may be needed.
FourLeaf offers a free 60 day rate lock! [3]
Many factors determine the type of mortgage that is best for you, including your current financial situation and the length of time you intend to stay in your home. At FourLeaf, we offer a wide selection of mortgage options, and we encourage you to speak with a FourLeaf Mortgage Loan Officer, who will help you make the most appropriate decision.
With a FourLeaf ARM, there is a maximum for each adjustment and for how much your interest rate can increase over the life of the loan. For example, for our 5/1 ARM, the interest rate for each adjustment cannot increase or decrease more than 2 percent after the fixed rate period. And, the interest rate will never increase or decrease more than 6 percent for the life of the loan. Caps may vary by program.
To start your application online, click here. Or, you can visit your local branch or call 1 (855) 971-0764 to be connected with a FourLeaf Mortgage Loan Officer.
While FHA-Insured Mortgage Loans are ideal for first-time homebuyers, people who have owned a home in the past can also take advantage of the program.
All loan terms are subject to credit and loan program requirements (applicants may be offered credit at higher rates and other terms). Certain loan programs may not be available to all applicants. Loans above 80% LTV may require private mortgage insurance (PMI). FourLeaf does not offer residential mortgage loans in Texas. To obtain a loan, membership at FourLeaf is required, which is subject to approval and requires opening a $5.00 savings account at or prior to loan consummation. Rates, loan programs, terms, and conditions are subject to change without notice. Other restrictions and limitations apply.
[1] Interest Rate and APR Assumptions: The Interest Rate and APR assumes the mortgage is a conforming loan to purchase or refinance an existing single-family home used as the borrower’s primary residence in New York. a Loan to Value of 75% or less, the borrower has excellent credit (720) or greater), a rate lock of 60 days or less, 30 year term, and a loan amount of $250,000. See payment examples.
Loans above 80% LTV may require private mortgage insurance (PMI). In some instances PMI can be avoided, please contact a Mortgage specialist to see if PMI needs to be a requirement of your mortgage.
[2] APR = Annual Percentage Rate. The APR is the cost of credit over the term of the loan expressed as an annual rate. Rates as of and are subject to change without notice.
[3] The free 60-day rate lock begins when your rate is locked. A complete application is required in order to request a rate lock.
04022025678