Upstate Mortgage is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual needs. We make the process of securing a home mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound financial choices.

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Current Mortgage Rates as of January 13, 2026





	AMOUNTTERMPAYMENTFIXED RATEAPR






	$150,00030yr$887.315.875%6.92%




	$20000030yr$1183.085.875%6.63%




	$250,00030yr$1478.845.875%6.40%




	$300,00030yr$1750.725.75%6.12%




	$400,00030yr$2334.295.75%5.98%

*Rates subject to change & vary by credit score, loan to value, and other factors.
**CURRENT POSTED RATES ARE FHA RATES with 700+ credit score – Call for Conventional Loan Pricing And Other Rates
***Payments do not include escrows or mortgage insurance

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We have the Loan Program specially designed for you.

  • FHA Loans for Purchase and Refinance
  • Conventional Loans for Purchase and Refinance
  • VA Loans for Purchase and Refinance
  • USDA Rural Housing Loans – For Purchase
  • Down Payment Assistance Programs
  • HARP Refinance Loans
  • 203K Loans – Purchase / Renovation Loans
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From the Blog of Upstate Mortgage