Closing Cost Credit
Start with $500 on us!

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.

Buying a Home?
Get Pre-Approved — Start Online

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.

Get pre-approved Apply online
Have questions? Let one of our mortgage specialists get you answers.
Currently working with a Dime representative?

Mortgage Lending Rates

Mortgage Rates
Effective Date: 5/20/2019
Cost per $1K / Payment Stream per Year
Product Rate Points APR1 Years Payment Years Payment Years Payment
Portfolio 3/1 ARM2 3.500% 0.000 4.592% 1-3 $4.49 4-30 $5.22
Portfolio 5/1 ARM2 3.500% 0.000 4.413% 1-5 $4.49 6-30 $5.18
Portfolio 7/1 ARM2 3.750% 0.000 4.375% 1-7 $4.63 8-30 $5.16
Portfolio 3/1 ARM2 - Interest Only 3.750% 0.000 4.964% 1-3 $3.13 4-10 $4.38 11-30 $6.74
Portfolio 5/1 ARM2 - Interest Only 3.750% 0.000 4.781% 1-5 $3.13 4-10 $4.38 11-30 $6.74
Portfolio 7/1 ARM2 - Interest Only 4.000% 0.000 4.726% 1-7 $3.33 8-10 $4.38 11-30 $6.74
Traditional Fixed 30 3.875% 0.000 4.037% 1-30 $4.70
Traditional Fixed 20 3.750% 0.000 3.974% 1-20 $5.93
Traditional Fixed 15 3.375% 0.000 3.660% 1-15 $7.09
Traditional Fixed 10 3.250% 0.000 3.662% 1-10 $9.77
Mortgage Calculators
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.

See what our customers are saying...
Edwin Dallas Dalby - Licensed Sales Associate
March 2019

There are not enough words that can describe Cathy Clarke and what it is like to do business with her. I have been a Realtor for over 15 Years and in retail sales for over 30 years but rarely have found people like Cathy to work with. Her level of knowledge, skills, integrity, reliability, honesty and caring all make her a precious gift and godsend to have on your team. 

Doug Heagle
March 2019

Thanks so much for everything you did to help us through the loan process. From getting us pre-approved on a Saturday night at 10 PM on Labor Day weekend right up until the closing, you were always immediately available to advise us on any aspect of the loan and solved any possible problems before they occurred. I would certainly recommend you and Dime Community Bank to a friend.

Andre Doeman
March 2019

In my efforts in purchasing a house, I had the remarkable assistance of Senior Mortgage Consultant, Cathy Clarke of Dime Community Bank. Her consistent reminders and knowledge of what was needed financially and information-wise to close the purchase of my home were well appreciated. She knew how to make sure the pathway in obtaining my home was well in my favor. 

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 12/31/2019. 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.