Senior Mortgage Consultants
Laura Kelly
About
Laura has more than 16 years of experience in the mortgage industry. Her expertise includes assisting clients with purchasing, refinancing, or building their homes. She specializes in first-time homebuyer programs along with grants and down payment assistance from non-profit agencies. Laura has been recognized by the State of New York Mortgage Agency as top producing loan officer. “A mortgage is not just a transaction but a life event.” Laura’s goal is to provide an exceptional homebuying experience by guiding her clients through every step of the process. Dime Community Bank offers a variety of mortgage options to best serve you and your family.
Laura holds a bachelor’s degree in business administration and finance from Dowling College.
Senior Mortgage Consultant Laura Kelly
Contact Information
Phone Number: 631-856-8321
Mobile Number: 631-965-9861
Email Address: [email protected]
Mortgage Rate Table†
| Effective Date: 12/13/24 | Cost per $1K / Payment Stream per Year | ||||||||
|---|---|---|---|---|---|---|---|---|---|
| Product | Rate | Points | APR¹ | Years | Payment | Years | Payment | Years | Payment |
| 30 Year Fixed | 6.375% | 0.000 | 6.473% | 1-30 | $6.24 | ||||
| 20 Year Fixed | 6.375% | 0.000 | 6.504% | 1-20 | $7.38 | ||||
| 15 Year Fixed | 6.000% | 0.000 | 6.161% | 1-15 | $8.44 | ||||
| 10 Year Fixed | 5.750% | 0.000 | 5.976% | 1-10 | $10.98 | ||||
| 5/1 ARM² | 6.000% | 0.000 | 6.624% | 1-5 | $6.00 | 6-30 | $6.50 | ||
| 7/1 ARM² | 6.125% | 0.000 | 6.586% | 1-7 | $6.08 | 8-30 | $6.49 | ||
| 10/1 ARM² | 6.250% | 0.000 | 6.561% | 1-10 | $6.16 | 11-30 | $6.47 | ||
| 5/6 ARM² - Interest Only | 6.250% | 0.000 | 7.192% | 1-5 | $5.21 | 6-10 | $6.35 | 11-30 | $8.13 |
| 7/6 ARM² - Interest Only | 6.375% | 0.000 | 7.157% | 1-7 | $5.31 | 8-10 | $5.31 | 11-30 | $8.13 |
| 10/6 ARM² - Interest Only | 6.500% | 0.000 | 6.992% | 1-10 | $5.42 | 11-30 | $8.13 | ||
| 30 Year Fixed First-time Homeowner³ | 5.750% | 0.000 | 5.844% | 1-30 | $5.84 | ||||
| 7/1 ARM² First-time Homeowner³ | 5.625% | 0.000 | 6.328% | 1-7 | $5.76 | 8-30 | $6.43 | ||
Mortgage Rate Disclosures: The product data on this rate sheet is for informational purposes only and is based on a purchase of an owner-occupied, single-family property, and conforming loan amount located in the state of New York. Mortgage interest rates shown are based on a borrower having a loan amount of $500,000, FICO credit score of 740, a 60% loan-to-value (LTV), and a 60-day rate lock period. Mortgage interest rates are based on current market rates, and are subject to pricing adjustments related to several factors including, but not limited to, property type and location, loan amount, loan type, loan-to-value, occupancy type, and credit score.
All loans are subject to credit and income requirements | Servicing Fees | Important Information and Footnotes
* Pre-approvals are based on our review of the information that we received from you and is not a commitment to lend. Pre-approvals are subject to verification and approval of your application, information, product and property eligibility.
† Posted interest rates are subject to change at any time. Effective Date of Mortgage Rates as posted within the Mortgage Lending Rates chart. Mortgage Rate Disclosures: The product data on this rate sheet is for informational purposes only and is based on a purchase of an owner-occupied, single-family property, located in the state of New York. Mortgage interest rates shown are based on a borrower having a FICO credit score of 740, a 60% loan-to-value (LTV), and a 60-day rate lock period. Under certain circumstances, a 60-day rate lock may not be available. Mortgage interest rates are based on current market rates, and are subject to pricing adjustments related to several factors including, but not limited to, property type and location, loan amount, loan type, loan-to-value, occupancy type and borrower credit history. Mortgage rates are indication only and are subject to change at any time.
¹ The annual percentage rate (APR) is the cost of credit over the term of the loan expressed as a yearly rate. The APRs are based on the interest rate, loan origination fees, and applicable closing costs and does not take into account other loan specific finance charges that may be required.
² For adjustable-rate mortgage (ARM) products, the monthly principal and interest payment will remain in effect for a limited period of time and then may change periodically. The index is based on the weekly average of the 1 Year Constant Maturity Treasury (CMT) Rate, plus a margin of 2.500%. The interest only (IO) products index is based on the 30 day average of the SOFR index published by the Federal Reserve Bank of New York, plus a margin of 3.000%. ARM and IO products are subject to annual and/or lifetime adjustment caps.
³ Eligible New York counties and maximum income: Nassau and Suffolk = $124,960 or Bronx, Kings, New York, Queens, Richmond, Westchester = $81,520. All other counties are ineligible.
This is not a commitment to lend. Restrictions apply.