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.

Mortgage Lending Rates

Mortgage Rates
Effective Date: 3/18/2019
Cost per $1K / Payment Stream per Year
Product Rate Points APR1 Years Payment Years Payment Years Payment
Portfolio 3/1 ARM2 3.625% 0.000 4.810% 1-3 $4.56 4-30 $4.00
Portfolio 5/1 ARM2 3.625% 0.000 4.614% 1-5 $4.56 6-30 $4.03
Portfolio 7/1 ARM2 3.875% 0.000 4.563% 1-7 $4.70 8-30 $4.09
Portfolio 3/1 ARM2 - Interest Only 3.875% 0.000 5.184% 1-3 $3.23 4-10 $2.08 11-30 $6.88
Portfolio 5/1 ARM2 - Interest Only 3.875% 0.000 4.984% 1-5 $3.23 4-10 $2.08 11-30 $6.88
Portfolio 7/1 ARM2 - Interest Only 4.125% 0.000 4.915% 1-7 $3.44 8-10 $2.08 11-30 $6.88
FNMA Conf Fixed 30 4.250% 0.000 4.415% 1-30 $4.92
FNMA Conf Fixed 20 4.125% 0.000 4.352% 1-20 $6.13
FNMA Conf Fixed 15 3.625% 0.000 3.912% 1-15 $7.21
FNMA Conf Fixed 10 3.625% 0.000 4.040% 1-10 $9.95
<div class="block__title block__title--centered">Mortgage Calculators</div>
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.

<div class="block__title block__title--centered">See what our customers are saying...</div>
Larry L.
January 2019

What a great experience working with Dime on this mortgage deal! You all definitely have the experience to make the customer experience excellent. I do appreciate the hard work, and I am happy we were able to close.  Really unbelievable process!

The Rochfords
Upon signing for their new home - January 2019

How can we ever say thank you for making our dream a reality? Even if I try in as many languages as we could think of; Thank you, Gracias, Grazie Merci, Obrigada, Xiexie, Arigato, Danke Schon, Khop Khun Mak Kha, Tax, Kiitos, Mahalo, Toda…we could go on and on and never ever fulfill how grateful we are.

Sadana Singh
January 2019

Under Dime Community Bank’s residential lending program, I was finally in a place where a lender was looking out for my best interests...Not every bank is made equal, not every lender is made equal. And that’s where Dime Community Bank stands out on top of the game: they helped me to mark my biggest achievement at 27 years of age: owning my very first home!

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.