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Hartsdale, NY Mortgage Refinance in New York

We make it easy to get the lowest mortgage refinance interest rate in Hartsdale, NY.

Our loan specialists can customize a loan that is perfect for your needs. In no time at all, Hartsdale, NY residents can be on the way to a lower interest rate, a lower monthly payment, or switching from an adjustable rate mortgage to a fixed rate mortgage.

When Should I Refinance?

The best time to refinance is when interest rates in Hartsdale, New York drop below the rate of your current mortgage.  With a lower interest rate, you'll save money on your mortgage payment every month.  Be sure to read our article titled Reasons to Refinance Now.

Turn Your Adjustable Rate into a Fixed Rate

With adjustable rates on the rise Hartsdale, NY residents can benefit greatly from refinancing your home for a low fixed rate.  These benefits include a lower monthly mortgage payment, and the security of knowing your mortgage payment won't increase.

Cash-Out Refinancing

Using the equity in your home, you can refinance your mortgage for a higher amount than your current principal balance and receive the extra funds as cash.  You can use this money however you would like, including, remodeling your home, paying off high-interest rate credit cards, paying off student loans, or consolidating all your debt.  How much cash out you can receive by refinancing depends largely upon the principal balance remaining on your mortgage and the amount of equity in your home.

Eliminate PMI

Private Mortgage Insurance is usually required if your downpayment on your home was less than 20 percent.  If your home equity has increased since your purchase, you may have enough equity to elimate that PMI payment by refinancing your mortgage.

Save Thousands in Interest

When you refinance your home you can decide to switch your mortgage to a shorter term, such as 10, 15, or 20 years.  Depending on how much lower the refinance rate is, you will likely pay more per month for this shorter term home loan.  However, in the long-term you are saving thousands in interest.  And because more of your monthly mortgage payment goes towards the principal, your home equity will increase much quicker.

Mortgage Refinance Calculators

Mortgage Payment Calculator
Refinance Savings Calculator
Refinance APR Calculator
Refinance Points Calculator 

Refinance Articles

Reasons to Refinance Now
Beat the Subprime Mortgage Crisis 
Return to bad credit mortgage refinance in the state of NY

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Hartsdale, New York News
Nursery school wins radio promotion

Riverview Nursery School in Nyack was chosen as Hartsdale-based WFAS Radio's Workplace of the Day on Dec.


Bowhunting deer: Panel proposal for nature

The region's record-high deer population is damaging forests and hurting the health of the animals themselves, according to a new Westchester County study.


Police K-9 unit receives $1,000 gift for work

HARTSDALE - The holiday gift-receiving season arrived early for Patriot, a 7-year-old German shepherd, and the rest of the Greenburgh Police Department's K-9 Unit.


Laptops for Less Buyers

Description: This file contains people who have purchased products or services from Laptops for Less.


Storm forces events to cancel

Today's storm is forcing area groups to cancel or change holiday events. - In Pleasantville, the Hannukah celebration planned for 2 p.m. at the Rosenthal JCC on Bear Ridge Road has been cancelled.


Crane Road house fire in Scarsdale under control

SCARSDALE - Firefighters had a blaze in a two-story brick mansion under control by 11:30 this morning.


Hartsdale Pet Cemetery to hold memorial tree-lighting ceremony

The Hartsdale Pet Cemetery and Crematory will have its annual tree lighting ceremony to honor the memories of all pet animals at 1 p.m. Sunday at the cemetery's front gate entrance, 75 N. Central Park Ave.


'Business in the Burbs': Mall-owner Centro ready to give control to lenders

The debt-strapped owner of more than 650 U.S. shopping malls, including the Cortlandt Town Center and seven other plazas in the Lower Hudson Valley, appears ready to turn over control of most of the company to ...


Jade Garden Hartsdale, any info?

Hi, was driving along in Hartsdale last Thurs and couln't help noticing that there was the sign for a new Chinese resturaunt in Hartsdale, called the Jade Garden.


Several plea at hearing: Don't raise ParaTransit fares

Several ParaTransit users and advocates for the disabled asked the Westchester County Department of Transportation yesterday not to raise the cost of a ride to $4. A van ride on the ParaTransit service now ...


Putting out a fire

Most voters know that the first Tuesday of November is Election Day, but the second Tuesday of December? That's today, and it's an election day, too, if not a widely known one.


Green Guru

What are some ways to deice my front steps without killing nearby plants? - Jacqueline Fox, Hartsdale, NY When temperatures dip below freezing and walkways become ice slicks, lots of people pour on the salt.


Clerk at The Westchester arrested in register thefts

WHITE PLAINS - A cashier at a clothing store in The Westchester mall was arrested Monday, accused of stealing $1,779 from his register over the past month.


White Plains holiday fair attracts local entrepreneurs

WHITE PLAINS - A few months ago, Donna Arcario started taking patterned fabric from her husband's interior design workshop in Port Chester and turning them into handbags.


Trader Joe's, or, How We Learned to Stop Worrying and Love It

Oh, we were resistant at first. When Trader Joe's first hit Larchmont, Scarsdale and Hartsdale, it felt so foreign, so goofy, so California, with a tacky Polynesian logo and "trader" style shipping theme.


Tripipedia: Pet cemetery among best final resting places

Taj Mahal. Great Pyramids. Catacombs of Rome. When you think of the world's best places of rest, these are the automatics.


Out and about

A travel guide's list of the best places in the world to be entombed includes a New York suburban cemetery - for animals.


Twins, 18, speak about helping mom achieve her wishes

HARTSDALE - When Loriann Fontanello was diagnosed with cancer 13 years ago, she prayed to live long enough to see her twins turn 18.


Recent burglaries leave Edgemont residents uneasy

EDGEMONT - Recent burglaries in Greenburgh have made residents more fearful, as the police department plans to eliminate six positions in a townwide effort to make budget cuts next year.


Maria Regina food drive to help more than 300 families

As the number of people affected by the lagging economy grew this year, the students at Maria Regina High School responded with their annual Thanksgiving food drive.


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With Somerset's many FHA home loan programs, owning your dream home is more than just a dream.
 
"Every other company said they could not help us. After speaking to about five companies, we really believed that no one could. Then we called Somerset, and your company proved us and those other companies wrong. We can't thank you enough for all your hard work and effort in getting us a low fixed rate. We can now breathe easier..." - L. Braun
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