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Real Customer Experiences

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from Zillow


Great Service

jimmymcdonald - 06/11/2021

Rick was a pleasure to work with and made a typically stressful process much less so. He was always available when I had questions, and went out of his way to make us comfortable and streamline the process. We would highly recommend Rick and his services to anyone in a similar situation.

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

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

Rick Spears Prodigy Mortgage Group

boogiee007 - 02/04/2021

My wife and I had a fantastic experience with Prodigy Mortgage Group .Rick helped us through the whole process with ease. They were efficient, professional , thorough , and made us feel comfortable throughout the entire process .

Loan Type Other
Loan Purpose Refinance
Loan Program 30 Year Fixed

Extremely helpful

Joe Mendez - 12/10/2020

This was my first home purchase and Rick was great to work with. He was so helpful through everything I’m more than just completing things but insightful in that I was understanding what I was doing and not just sending him things. Our rate came back great and all estimated closing cost were within reasonable range. Would recommend to family and friends in a heart beat! (Rick Spears)

Loan Type FHA
Loan Purpose Purchase

Current

New York

Mortgage Rates

FHA Loan Purchase - 30 Year Fixed

Rate2.06%
1W Change 0.00%
APR3.137%
1W Change 0.00%
Last Updated: 06/15/2021

Conventional Loan Purchase - 30 Year Fixed

Rate2.75%
1W Change 0.02%
APR3.128%
1W Change 0.01%
Last Updated: 06/15/2021

VA Loan Purchase - 30 Year Fixed

Rate2.38%
1W Change 0.16%
APR2.55%
1W Change 0.14%
Last Updated: 06/15/2021

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

Rate3.44%
1W Change 0.18%
APR4.453%
1W Change 0.21%
Last Updated: 06/15/2021

Conventional Loan Refinance - 30 Year Fixed

Rate3.30%
1W Change 0.05%
APR3.719%
1W Change 0.06%
Last Updated: 06/15/2021

VA Loan Refinance - 30 Year Fixed

Rate3.17%
1W Change 0.00%
APR3.443%
1W Change 0.00%
Last Updated: 06/15/2021

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

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How to Make a Winning Offer on a Home

Homebuyers today are faced with a strong sellers’ market...a lot of active buyers competing for a relatively low number of available homes. As a result, it’s essential to understand how to make a confident and competitive offer on your new home. Here are some tips for success in this stage of the homebuying process. Listen…

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Prodigy Mortgage Corp.

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

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