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NYS MORTGAGE TAX RATES County Tax Rate Zone _ 1 00 1 New York *** 2 Yates 0 75 1 * = No $30 Exemption ** = City of Yonkers: 1 80

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State of New York Mortgage Agency (SONYMA) • Low fixed interest rates • No points • Financing for up to 97 of the property • 120 Day interest rate lock in

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reflect the position of the Federal Reserve Bank of New York or the Federal Key words: housing demand, mortgage rates, down payment requirements, user

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reflect the position of the Federal Reserve Bank of New York or the Federal reflect disparate loan rates of the mortgages underlying the MBS, which arise due

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New York NY 10006 (212) 482-0900 fax: (212) 482- Cost Structure of Mortgages 9 Option-Based Mortgage Calculators 57