Mortage Rates in July 2014 in New York

[Ian Radcliffe]

I was looking online for mortgage quotes but quickly found that every single site requires email and contact numbers. I hate getting spam and unwanted phone calls so I thought I would call upon the bigger pockets community to get a ball park figure and idea of best companies out there. You lot are investors so you know the best deals :) .

I am in New York and have 20% down on ~$650,000 property (1st primary residence / multi family home, credit score of upper 700's). What are the best 30yr rates in your opinion.

Would any of you risk ARM's as I don't anticipate paying off the property for at least 20 years. Of course I know ARM rates could in theory go up to 10-12% but is that likely in next 20 years? Is it worth the gamble?

Thanks