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Closing Cost Credit

Dime wants to do everything we can to make your home loan more affordable from start to closing. So we're giving you a $5001 credit towards closing costs.

As the leading community bank that's served the New York area since 1864, no one understands the needs of borrowers better than Dime. We've worked tirelessly to become the go-to resource for homebuyers who want a mortgage that works best throughout the 5 boroughs as well as Long Island, New Jersey and Connecticut.

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Mortgage Lending Rates

Mortgage Rates3
Effective Date: 1/22/2021
Cost per $1K / Payment Stream per Year
Product Rate Points APR1 Years Payment Years Payment Years Payment
Portfolio 3/1 ARM2 2.750% 0.000 2.682% 1-3 $4.08 4-30 $4.02
Portfolio 3/1 ARM2 - Interest Only 2.750% 0.000 2.879% 1-3 $2.29 4-10 $2.40 11-30 $5.48
Portfolio 5/1 ARM2 2.750% 0.000 2.700% 1-5 $4.08 6-30 $4.03
Portfolio 5/1 ARM2 - Interest Only 2.750% 0.000 2.864% 1-5 $2.29 6-10 $2.40 11-30 $5.48
Portfolio 7/1 ARM2 2.750% 0.000 2.714% 1-7 $4.08 8-10 $4.03
Portfolio 7/1 ARM2 - Interest Only 2.750% 0.000 2.851% 1-7 $2.29 8-10 $2.40 11-30 $5.48
Conforming Fixed 30 2.875% 0.000 3.027% 1-30 $4.15
Conforming Fixed 20 2.750% 0.000 2.966% 1-20 $5.42
Conforming Fixed 15 2.500% 0.000 2.778% 1-15 $6.67
Conforming Fixed 10 2.375% 0.000 2.781% 1-10 $9.37
Mortgage Highlights

Read through some of the benefits of a Dime mortgage.


  • Fixed rate and adjustable options up to $3 million on 1 to 4 family homes, condos, and co-ops. From pre-approval2 to closing, a Dime mortgage loan originator will work with you every step of the way to make sure you get exactly what you need.

  • Free pre-approvals2. We'll tell you how much you qualify for so you can be a more savvy homebuyer.

  • You'll find Dime's mortgage solutions easy to understand and hard to beat. Plus if you are a Dime banking customer you may be eligible for a special discounted rate on ARM loans.

  • By refinancing your current mortgage, you can tap into the equity of your home or condo to consolidate high-interest bills or for major expenses like education, home renovation, travel, weddings, a car, whatever's important to you and your family.


Meet our Senior Mortgage Consultants!

To Apply: Select any of our experienced consultants below.

Click "Apply Online" and then "Create Account"

Pre-Approval: Simply click "Get Pre-Approved" under your consultant of choice.

Cathy Clarke
Senior Mortgage Consultant

Apply Online
Get Pre-Approved
Colin Blue
Senior Mortgage Consultant

Apply Online
Get Pre-Approved
Lynn DiTomasso
Senior Mortgage Consultant

Apply Online
Get Pre-Approved
Sean Butler
Senior Mortgage Consultant

Apply Online
Get Pre-Approved
See what our customers are saying...

David & Jackie
December - 2020

As a customer of Dime Community Bank, Kent Avenue branch, I want to express my complete satisfaction with the refinance of my mortgage from US Bank to Dime Community Bank. My wife and I are completely satisfied with our refinance experience handled by Lynn DiTomasso! 


October - 2020

Overall, this was a very quick and smooth mortgage refi process. Sean was right on top of any issues or questions that arose. He set the expectations with me what steps would occur and the various time frames. Sean explained each phase of the process and was quick to return my calls when I had questions. Overall, I was very pleased with the process and the responsiveness of the mortgage team.

Jean B.
August - 2020

I have refinanced a couple of times and the process has never been so smooth. Thank you for being so efficient and very diligent. I was easily able to combine my two loans into one. Your grateful customer!

Additional Mortgage Calculators

1Subject to Dime approval. Must have a Dime account established within two weeks of receiving the mortgage commitment letter. Auto pay must be established from the Dime account to pay the mortgage. This offer is not available on the FHA loans or Jumbo Fixed Rate Loans. Offer available until 12/31/2021. Dime reserves the right to cancel or modify this offer at any time without notice.

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. 

3 All Fannie Mae refinances (limited cash-out refinances and cash out refinances) have a loan level pricing adjustment of 0.50%