Buying a Home?
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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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Speak to a Senior Mortgage Consultant.
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Mortgage Lending Rates

Mortgage Rates
Effective Date: 8/23/2019
Cost per $1K / Payment Stream per Year
Product Rate Points APR1 Years Payment Years Payment Years Payment
Portfolio 3/1 ARM2 3.125% 0.000 4.030% 1-3 $4.28 4-30 $4.86
Portfolio 5/1 ARM2 3.125% 0.000 3.885% 1-5 $4.28 6-30 $4.83
Portfolio 7/1 ARM2 3.375% 0.000 3.940% 1-7 $4.42 8-30 $4.82
Portfolio 3/1 ARM2 - Interest Only 3.375% 0.000 4.302% 1-3 $2.81 4-10 $3.75 11-30 $6.33
Portfolio 5/1 ARM2 - Interest Only 3.375% 0.000 4.333% 1-5 $2.81 4-10 $3.75 11-30 $6.33
Portfolio 7/1 ARM2 - Interest Only 3.625% 0.000 4.290% 1-7 $3.02 8-10 $3.75 11-30 $6.33
Traditional Fixed 30 3.375% 0.000 3.532% 1-30 $4.42
Traditional Fixed 20 3.375% 0.000 3.596% 1-20 $5.74
Traditional Fixed 15 2.875% 0.000 3.156% 1-15 $6.85
Traditional Fixed 10 2.875% 0.000 3.285% 1-10 $9.60
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-approval<sup>2</sup> 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-approvals<sup>2</sup>. 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
631-768-1300 ext. 5958
Lynn DiTomasso
Senior Mortgage Consultant
631-768-1500 option 1
See what our customers are saying...

Jasmin Angela John
May 2019

I must say it was a pleasure working with Colin Blue. He did a great job working along side me making sure my loan was possible, being a first time home owner. I appreciate every single step! He was clear on every single call and question I had. He is an excellent worker!

Edwin Dallas Dalby - Licensed Sales Associate
May 2019

There are not enough words that can describe Cathy Clarke and what is it 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, honest and caring all make her a precious gift and godsend to have on your team.

Angelo and Sabrina
May 2019

I want to thank Dime for all their help with the loan process. And special thanks to Lynn DiTomasso for making yourself available to us at all times, even the weekends, when we had emergency questions. Your dedication and knowledge throughout the process was wonderful!

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 12/31/2019. 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.