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.
Current Mortgage Rates as of July 18, 2025
| AMOUNT | TERM | PAYMENT | FIXED RATE | APR |
|---|---|---|---|---|
| $150,000 | 30yr | $935.80 | 6.375% | 7.05% |
| $200000 | 30yr | $1247.74 | 6.375% | 6.92% |
| $250,000 | 30yr | $1539.29 | 6.250% | 6.79% |
| $300,000 | 30yr | $1822.83 | 6.125% | 6.55% |
| $400,000 | 30yr | $2430.44 | 6.125% | 6.40% |
*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
From the Blog of Upstate Mortgage
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