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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!
Cathy Clarke
Senior Mortgage Consultant
Colin Blue
Senior Mortgage Consultant
Lynn DiTomasso
Senior Mortgage Consultant
Sean Butler
Senior Mortgage Consultant
See what our customers are saying...

November - 2019

I was thinking about having a new home, but I did not know which loan company to pick among the thousand which are out there. Fortunately, a friend of mine told me about Dime and I gave it a try. I was very happy and satisfied with the service they provided to me. They helped me a lot with all the paperwork, and kept in touch with me until I got my loan. Now, I am enjoying my new home and I want to say thanks especially to Colin Blue for this accomplishment!

January - 2020

What can I say? In the beginning our credit was not up to where it should be. From the beginning that I expressed to you that we wanted to purchase a home you took me by the hand step by step to make sure all the "T's" were crossed and all the "I's" were dotted. Cathy Clarke made the experience as stress free as possible. It was a true pleasure. Our realtor was so impressed with your work that she is looking forward to do more business with you.

January - 2020

My name is Frantzlie. My husband and I purchased a home in December. Catherine Clarke was our loan officer and I have to say that she did an exceptional job! We were pleased with her professionalism and how she made herself available to us at anytime. Any questions that we had, she had an answer and/or a solution. Buying a home is a stressful process but with Catherine on our side the process was smooth and quick. Thank you, Cathy!

March 2020

If you are looking into obtaining a new mortgage or refinancing an existing mortgage look no further then Dime Community Bank. I believe based on my experience you would be hard pressed to find a banker more diligent with helping their customers obtaining the best possible mortgage to suit their needs and assist them through the process then Lynn DiTomasso. Lynn helped me to refinance my mortgage and assisted me throughout the process. She was very responsive to all of my questions and concerns. Dime has online capabilities and utilizes DocuSign making the process very seemly and up on today’s technology.

May - 2020

100% Satisfaction! We could not have asked for anyone better. As first time home buyers in the midst of a pandemic, Sean was always level-headed, assuring, knowledgeable, and informed. He kept us in the loop every step of the way and worked with us tirelessly to ensure a great experience from start to finish for a task that can be very stressful. We are forever grateful.

June - 2020

Lynn,Thanks again for your help with our recent refinance. You were helpful and thoughtful throughout the entire process and made this a seamless process. I will definitely recommend you to friends and family for future financing.

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 12/31/2020. 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.