We know mortgages.

Enjoy a streamlined mortgage process backed up by our local New York team of mortgage experts to make sure you get the right home loan for YOU.

Explore Your Loan Options

Learn More

Estimate Your Mortgage Payment

Get Started

What's Your Home Worth Today?

Find Out Now

Real Customer Experiences

Read Reviews

from Zillow


Great Service

jimmymcdonald - 06/11/2021

Rick had helped my wife and I purchase our current home almost 10 years ago and we recently used Prodigy Mortgage for a cash out refinance on our current home. We then purchased a investment property and once again, returned to Rick because his rate for this type of loan was the lowest. In addition to the rates offered, the process to purchase the investment property went smoothy as Rick navigated us through the process. We would recommend Rick and Prodigy to all who read our review.

Loan Type Conventional
Loan Purpose Purchase
Loan Program 30 Year Fixed
Mortgage services provided by CHARLES SPEARS - New York New York

Rick is great at his job

zuser201601151347188 - 07/21/2021

Rick is very easy to deal with. He answers your calls very quickly and knows what he is doing. He is on top of what needs to be done ASAP and gets the loan closed quickly and easily. Highly recommended!!!!!!!!!!!!!

Loan Type Conventional
Loan Purpose Purchase
Loan Program 30 Year Fixed
Mortgage services provided by CHARLES SPEARS - New York New York

Fantastic Lender

Mason1979 - 06/24/2021

I Would Highly recommend Rick. He handled my initial loan on my house and got me a great rate on my Refi…. Very pleased. He responds fast and is always available.

Loan Type Conventional
Loan Purpose Refinance
Loan Program 30 Year Fixed

Great to work with

summer g weiss - 05/08/2021

Rick was great to work with and was able to get us a really great rate for our refinance. He was professional, responsive and friendly and made the process very easy!

Loan Purpose Refinance
Loan Program 15 Year Fixed

Fabulous Experience

Toni B - 05/04/2021

We just completed a refi with Rick Spears. He was amazing. Rick was extremely thorough and explained everything to us in a way that was very easy to understand. He was also super patient with me when I started to get anxious. I recommend him HIGHLY. He was also incredibly easy to work with. The best part is he got us a great deal! Thanks Rick!!!!

Loan Type Conventional
Loan Purpose Refinance

Very helpful

zuser201603101445149 - 04/19/2021

I worked withe Rick Spears and as a first time home buyer Rick was very helpful from start too finish. Highly recommended.

Loan Purpose Purchase

Prodigy Mortgage Corp

leonard5 - 03/26/2021

Rick is great to work with! He handled all aspects of our refinance quickly and professionally. The process went extremely smooth from start to finish and communication was always timely.

Loan Type Conventional
Loan Purpose Refinance
Loan Program 15 Year Fixed

Great service

MarinaGiatrakis - 03/18/2021

Awesome, closed on time, rate lower than expected, would recommend him to any other person. Would use him again if ever needed to purchase another home.

Loan Type Conventional
Loan Purpose Purchase
Loan Program 30 Year Fixed

Mortgage Refinance

kkugacz - 02/27/2021

Extremely helpful in terms of answering all my questions associated with my closeout loan and new application. Texted responses to oir inquiries immediately. Readily available all throughout the whole process. Got me the rate and timeframe we needed.

Loan Type FHA
Loan Purpose Refinance
Mortgage services provided by CHARLES SPEARS - New York New York

Amazing!

Amira Yeiser - 02/08/2021

Rick was extremely helpful throughout the entire process. Things came down to the wire at the end and he pulled through and made sure we closed on time. Excellent communication and prompt responses. Highly recommend!

Loan Type FHA
Loan Purpose Purchase
Loan Program 30 Year Fixed

Current

New York

Mortgage Rates

FHA Loan Purchase - 30 Year Fixed

Rate1.94%
1W Change 0.00%
APR2.998%
1W Change 0.00%
Last Updated: 07/23/2021

Conventional Loan Purchase - 30 Year Fixed

Rate2.51%
1W Change 0.02%
APR2.873%
1W Change 0.05%
Last Updated: 07/23/2021

VA Loan Purchase - 30 Year Fixed

Rate2.17%
1W Change 0.08%
APR2.371%
1W Change 0.04%
Last Updated: 07/23/2021

All mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with Prodigy Mortgage Corp. to receive a personalized rate for your specific situation.

Current

New York

Refinance Rates

FHA Loan Refinance - 30 Year Fixed

Rate3.63%
1W Change 0.29%
APR4.417%
1W Change 0.28%
Last Updated: 07/23/2021

Conventional Loan Refinance - 30 Year Fixed

Rate3.59%
1W Change 0.32%
APR3.851%
1W Change 0.41%
Last Updated: 07/23/2021

VA Loan Refinance - 30 Year Fixed

Rate2.63%
1W Change 0.79%
APR2.888%
1W Change 0.80%
Last Updated: 07/23/2021

All mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with Prodigy Mortgage Corp. to receive a personalized rate for your specific situation.

Popular New York Home Loans Which loan is right for YOU?

First Time Homebuyers New York

FHA Home Loans New York New York

FHA home loans are popular among New York first-time homebuyers due to low down payment and credit requirements.

Learn More
Conventional Home Loans New York

Conventional Home Loans New York New York

A conventional(fixed-rate mortgage) is a popular type of home financing in New York because it offers predictability for your budget.

Learn More
Jumbo Mortgages New York

Jumbo Mortgages New York New York

Jumbo home loans are most appropriate for a segment of high-income earners who make between $250,000-$500,000 a year.

Learn More

Mortgage Calculators

Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.

$

5%

1%

5%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. Click here to see the loan limits in your area.

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly Mortgage Insurance $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!

$

0%

1%

4.5%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

$1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Curious about refinancing your home in New York? Rates are historically low and now may be the right time to start saving money every month!

$
%
months
$
%
months
$

Refinancing could save you

$/month

New monthly payment $

Refinance fees $

Lifetime Savings $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!

$
$
$
$
$
%

You can afford up to

$

Monthly Payment $

Principal & Interest $

Tax $

Insurance $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Instant Home Valuation

3 Ways To Tap Your Home Equity New York July 23, 2021

3 Ways To Tap Your Home Equity

If you’re a homeowner in 2021,  there's a very good chance that you have a fair amount of equity due to recent market appreciation. So if you're wanting to take advantage of historically low borrowing rates and pay off debt or do some home improving, there are a few ways to go about it. There…

Read More
Ways To Make Your Home More Secure New York July 16, 2021

Ways To Make Your Home More Secure

Your home is possibly the most important, and probably the most expensive, commodity you will ever purchase. That said, it makes a lot of sense to put some time and effort into protecting it! While your exact security needs will vary based on the type of home you own, and your neighborhood, the following home…

Read More
Help Your Home Withstand The Summer Heat New York July 9, 2021

Help Your Home Withstand The Summer Heat

Hot weather is either already here, or just around the corner in your area, and you need to be sure that your home is ready for the summer heat. With these simple upgrades and repairs, you'll have peace of mind knowing that your home will remain cool and comfortable no matter what the weather is…

Read More
X

Get in Touch

Contact Prodigy Mortgage Corp.

Prodigy Mortgage Corp.

3 Dalewood Court
New City, New York 10956
(845) 639-0400
NMLS# 189641

    Send an Email

    X Prodigy Mortgage Corp.

    If you have any immediate questions or concerns don't hesitate to give us a call @ (845) 639-0400

    0%

    I agree to the following terms & conditions

    I hereby certify that the information given in my submission is complete and correct and is given for the purpose of potentially obtaining a mortgage loan and/or financial services applied for.