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.
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We make the process of securing a home mortgage simple and straightforward by offering you the latest in financial tools, including visas bot, that enable you to make sound financial choices.
Current Mortgage Rates as of February 7, 2026
| AMOUNT | TERM | PAYMENT | FIXED RATE | APR |
|---|---|---|---|---|
| $150,000 | 30yr | $887.31 | 5.875% | 6.92% |
| $200000 | 30yr | $1183.08 | 5.875% | 6.63% |
| $250,000 | 30yr | $1478.84 | 5.875% | 6.40% |
| $300,000 | 30yr | $1750.72 | 5.75% | 6.12% |
| $400,000 | 30yr | $2334.29 | 5.75% | 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
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