Eastport, New York Mortgage Rates Today for October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current mortgage rates for Eastport, New York borrowers from lenders serving New York today start at 6.00% for a 30 year fixed and 5.75% for a 15 year fixed, compared with New York averages of 7.269% and 6.908%. Eastport, New York mortgage rates from lenders serving New York range from 4.54% to 9.88%, verified by MonitorBankRates as of October 31, 2026. Current 30-year fixed mortgage rates for Eastport, New York borrowers from lenders serving New York include Peapack-Gladstone BankPeapack-Gladstone BankA5.0 ★Texas Ratio: 10.32%Rate verified Oct 31, 2026 at 6.00%, Hudson River Community Credit UnionHudson River Community Credit UnionA+5.0 ★Texas Ratio: 5.82%Rate verified Oct 30, 2026 at 6.50%, Dime Community BankDime Community BankA+5.0 ★Texas Ratio: 4.00%Rate verified Oct 31, 2026 at 6.50%, Ridgewood Savings BankRidgewood Savings BankA5.0 ★Texas Ratio: 9.37%Rate verified Oct 31, 2026 at 6.60%, and Ukrainian National Federal Credit UnionUkrainian National Federal Credit UnionA5.0 ★Texas Ratio: 12.02%Rate verified Oct 29, 2026 at 6.625%. Mortgage rates as of October 31, 2026 according to verified data from MonitorBankRates.
Eastport borrowers can compare 228 mortgage rates from 58 lenders serving the New York area, with mortgage rates as low as 6.00% from Peapack-Gladstone Bank. Use the tabs below to compare available loan types. Rates are continually updated, so we recommend checking back frequently.
Mortgage Rates reflect actual verified offers from lenders actively lending to New York borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: October 31, 2026
Compare Mortgage Rates Today in Eastport, New York & the Surrounding Area
Eastport 30 Year Fixed Mortgage Rates
Rate Lock Days: 120; Discount: Reduce Interest Rate by 0.500% for properties purchased in 50% Majority-Minority, Low Income, or Moderate Income Census Tracts and Affordable Units purchased through an approved Affordable Housing agency; Rate quoted with $2,500.00 closing cost credit per footnote
Purchase or Refinance; Balance: 50K or more, up to 60% LTV, 740+ Credit Score; Rates include a discount of .25% APR for Auto Pay from an HRCCU Account
Effective Date: 10/30/26; Purchase, owner-occupied, conforming, New York; based on $500,000 loan, FICO 740, 60% LTV, 60-day rate lock
- Oct 31, 20266.60%▼ from 6.73%
- Oct 22, 20266.73%first recorded
CPM/Initial Rate: $6.39; Current Fully Indexed Rate: N/A; CPM/Current Fully Indexed Rate: N/A; On any SONYMA loan where the applicant requested a Down Payment Assistant Loan (DPAL), add .40% to the rate
As Low As; Up to 1.0 points**; Members without permanent resident status may be charged up to 1.0 origination points and 0.750% added to the loan rate
Purchase; Page states You Don't Have to Pay Points on Your Mortgage
- Oct 31, 20266.69%▼ from 7.19%
- Oct 14, 20267.19%first recorded
Purchase mortgage; no points required
- Oct 31, 20266.69%▼ from 7.19%
- Oct 1, 20267.19%▲ from 6.94%
- Sep 19, 20266.94%first recorded
1 to 4 Family, Condo, Co-op; Rates effective as of 10/20/2026; Good Move Mortgage for owner-occupied properties in NYC, Nassau, Westchester, Suffolk, Putnam, Rockland and Fairfield Counties; Income Limits Apply
Payment per $1,000: $6.49; based on $200,000 loan, $334,000 primary residence, rate/term refinance, 60-day rate lock, includes tax and homeowner's insurance escrows, 780+ credit score
- Oct 30, 20266.88%▼ from 7.01%
- Oct 26, 20267.01%first recorded
No additional details available.
- Oct 31, 20266.91%▼ from 7.06%
- Oct 26, 20267.06%▼ from 7.16%
- Oct 20, 20267.16%first recorded
Effective Date: 10/30/26; Purchase, owner-occupied, conforming, New York; based on $500,000 loan, FICO 740, 60% LTV, 60-day rate lock
- Oct 31, 20266.98%▼ from 7.10%
- Oct 22, 20267.10%first recorded
Jumbo table (data-ratetype); purchase of existing single family primary residence; loan amount $1,000,000; estimated property value $1,250,000; property in NY, Erie county; escrow required; 60-day rate lock; assumed credit score 740
As Low As; Rates may include points.
- Oct 26, 20267.00%▼ from 7.13%
- Oct 14, 20267.13%▼ from 7.25%
- Oct 1, 20267.25%▲ from 7.13%
- Sep 27, 20267.13%▲ from 7.00%
As Low As; Assumes purchase, $225,000 loan, $375,000 property value, Erie county NY, primary residence, escrow required, 60-day rate lock, 740 credit score
- Oct 31, 20267.00%▼ from 7.32%
- Oct 26, 20267.32%first recorded
As Low As; Purchase loan of $225,000 on $375,000 property value; NY, Erie county; existing single family primary residence; escrow required; 60-day rate lock; 740 credit score assumed
- Oct 31, 20267.00%▼ from 7.32%
- Oct 26, 20267.32%first recorded
As Low As; Purchase loan, $225,000 loan amount, $375,000 property value, NY (Erie county), existing single family primary residence, escrow required, 60-day rate lock, 740 credit score assumed; advertised APR assumes approximately 2.000 points
- Oct 31, 20267.09%▼ from 7.22%
- Oct 22, 20267.22%first recorded
CPM/Initial Rate: $6.65; Current Fully Indexed Rate: N/A; CPM/Current Fully Indexed Rate: N/A
Max Loan: $832,750; Jumbo rates available by call
- Oct 31, 20267.11%▼ from 7.35%
- Oct 7, 20267.35%▲ from 7.22%
- Oct 1, 20267.22%▲ from 6.97%
- Sep 18, 20266.97%▲ from 6.60%
Payment per $1,000: $6.65
- Oct 30, 20267.11%▼ from 7.24%
- Oct 26, 20267.24%first recorded
As Low As; Rate as low as 7.000%, APR as low as 7.122%; Actual rate may vary based on credit worthiness and down payment
- Oct 30, 20267.12%▼ from 7.25%
- Oct 19, 20267.25%▼ from 7.37%
- Oct 14, 20267.37%▼ from 7.50%
- Oct 1, 20267.50%▲ from 7.37%
As Low As; Rates based on purchase or no cash out refinance; NY State only
- Oct 30, 20267.13%▼ from 7.29%
- Oct 26, 20267.29%▼ from 7.42%
- Oct 14, 20267.42%▼ from 7.54%
- Oct 10, 20267.54%▼ from 7.67%
Owner Occupied
- Oct 28, 20267.14%▼ from 7.39%
- Oct 12, 20267.39%first recorded
As Low As; Payment: 6,653.02 (payment column not a rate)
- Oct 30, 20267.14%▼ from 7.33%
- Sep 27, 20267.33%first recorded
Monthly P&I per $1,000: $6.74; APR as low as; APR based on $100,000 loan amount at 80% loan to value; Rates effective as of 10/20/2026
- Oct 26, 20267.15%▼ from 7.40%
- Oct 10, 20267.40%first recorded
Payment example: $665; Based on $100,000 loan, 40% down, credit score 740+, single-family home; Effective October 27, 2026
- Oct 31, 20267.15%▼ from 7.28%
- Oct 22, 20267.28%first recorded
Owner Occupied
- Oct 28, 20267.17%▼ from 7.42%
- Oct 12, 20267.42%▲ from 6.79%
- Sep 17, 20266.79%▲ from 6.67%
- Sep 14, 20266.67%first recorded
Payment per $1,000: $6.57
Mortgage Rates; Apply Online
- Oct 26, 20267.18%▼ from 7.43%
- Oct 14, 20267.43%▼ from 7.56%
- Oct 1, 20267.56%▲ from 7.43%
- Sep 27, 20267.43%▲ from 7.18%
Fixed Rate Products; Mortgages
- Oct 29, 20267.19%▼ from 7.44%
- Sep 29, 20267.44%first recorded
As Low As; Payment: 1,596.73
- Oct 30, 20267.19%▼ from 7.32%
- Oct 19, 20267.32%▲ from 7.07%
- Sep 18, 20267.07%first recorded
No additional details available.
- Oct 31, 20267.21%▼ from 7.34%
- Oct 22, 20267.34%first recorded
As Low As; Home Loans
Biweekly Fixed Rate Products; Mortgage; APR*=Annual Percentage Rate; All loans subject to approval
- Oct 29, 20267.22%▼ from 7.48%
- Oct 15, 20267.48%▼ from 7.60%
- Oct 13, 20267.60%▲ from 7.10%
- Sep 18, 20267.10%first recorded
Rates effective as of 10/29/2026; APR assumes $300,000 loan, FICO 760+, owner-occupied single-family in NY, LTV 80% or less
- Oct 30, 20267.25%▼ from 7.41%
- Oct 19, 20267.41%▼ from 7.53%
- Oct 14, 20267.53%first recorded
Under $750,000
- Oct 31, 20267.27%▼ from 7.34%
- Oct 22, 20267.34%first recorded
No additional details available.
No additional details available.
- Oct 27, 20267.30%▼ from 7.56%
- Oct 22, 20267.56%first recorded
Loan amounts up to $806,500; Conforming
Loan Amount: $250,000.01 - $500,000.00
- Oct 26, 20267.35%▼ from 7.47%
- Oct 20, 20267.47%▼ from 7.73%
- Oct 14, 20267.73%▲ from 7.69%
- Oct 11, 20267.69%▲ from 7.57%
Loan Amount: $200,000.01 - $250,000.00
- Oct 26, 20267.35%▼ from 7.48%
- Oct 20, 20267.48%▼ from 7.74%
- Oct 14, 20267.74%▲ from 7.70%
- Oct 11, 20267.70%▲ from 7.58%
Loan Amount: $150,000.01 - $200,000.00
- Oct 26, 20267.37%▼ from 7.50%
- Oct 20, 20267.50%▼ from 7.57%
- Oct 11, 20267.57%▼ from 7.59%
- Oct 7, 20267.59%▲ from 7.19%
Discount points option
Loan Amount: Up to $150,000.00
- Oct 26, 20267.40%▼ from 7.52%
- Oct 20, 20267.52%▼ from 7.60%
- Oct 11, 20267.60%▲ from 7.49%
- Oct 7, 20267.49%▲ from 7.19%
Conforming Loans; Loan amounts up to $832,750; Effective: 10/29/2026
- Oct 26, 20267.41%▲ from 7.28%
- Oct 19, 20267.28%first recorded
Today's Mortgage Rates; Apply Now
- Oct 31, 20267.41%▼ from 7.91%
- Oct 7, 20267.91%first recorded
Effective 10/30/2026; Rate assumes purchase of primary residence, single-family property; APR assumes $250,000 loan, 20% down, $1,000 origination fee; advertised rates assume 740 credit score
- Oct 26, 20267.42%▼ from 7.54%
- Oct 22, 20267.54%first recorded
Payment per $1,000: $6.57
Additional Mortgage Options; Monthly payment shown per $150,000 borrowed; Jovia Financial is not the lender for FHA or VA products
- Oct 31, 20267.45%▼ from 7.96%
- Oct 20, 20267.96%▼ from 7.99%
- Oct 14, 20267.99%▲ from 7.96%
- Oct 7, 20267.96%▲ from 7.19%
Refinance; Conforming fixed rate mortgage; based on $300,000 loan amount; rate includes 0.125% autopay and paperless discount
- Oct 31, 20267.45%▼ from 7.83%
- Oct 7, 20267.83%first recorded
Conforming mortgage; based on single-family primary residence purchase, 80% LTV, credit score 740, 15 days prepaid interest, 60-day rate lock; APR assumes $400,000 loan, 20% down, closing costs $2416.75 plus -0.04 points; rates shown for New York counties only (Bronx, Kings, New York, Orange, Queens, Richmond, Rockland, Westchester, Nassau, Suffolk, Erie)
- Oct 31, 20267.46%▼ from 7.59%
- Oct 26, 20267.59%first recorded
Eastport 15 Year Fixed Mortgage Rates
Purchase or Refinance; Balance: 50K or more, up to 60% LTV, 740+ Credit Score; Rates include a discount of .25% APR for Auto Pay from an HRCCU Account
As Low As; Up to 1.0 points**; Members without permanent resident status may be charged up to 1.0 origination points and 0.750% added to the loan rate
As Low As; Both traditional and short-term options available. Rates may include points.
- Oct 19, 20266.38%▼ from 6.50%
- Sep 27, 20266.50%▲ from 6.25%
- Sep 18, 20266.25%▲ from 6.13%
- Sep 14, 20266.13%first recorded
Biweekly Fixed Rate Products; Mortgage; APR*=Annual Percentage Rate; All loans subject to approval
- Oct 13, 20266.51%▲ from 5.76%
- Sep 18, 20265.76%first recorded
Fixed Rate Products; Mortgages
- Oct 29, 20266.52%▲ from 6.40%
- Sep 29, 20266.40%first recorded
Max Loan: $832,750; Jumbo rates available by call
- Oct 31, 20266.53%▼ from 6.67%
- Oct 1, 20266.67%▲ from 6.41%
- Sep 18, 20266.41%▲ from 6.15%
- Sep 15, 20266.15%first recorded
No additional details available.
- Oct 30, 20266.61%▼ from 6.99%
- Sep 27, 20266.99%▲ from 6.74%
- Sep 22, 20266.74%▲ from 6.36%
- Sep 14, 20266.36%first recorded
No additional details available.
- Oct 31, 20266.65%▼ from 6.88%
- Oct 20, 20266.88%first recorded
CPM/Initial Rate: $8.71; Current Fully Indexed Rate: N/A; CPM/Current Fully Indexed Rate: N/A
As Low As; Payment: 2,074.20
- Oct 30, 20266.66%▲ from 6.53%
- Sep 18, 20266.53%▲ from 6.28%
- Sep 14, 20266.28%first recorded
Monthly P&I per $1,000: $8.78; APR as low as; APR based on $100,000 loan amount at 80% loan to value; Rates effective as of 10/20/2026
- Oct 30, 20266.66%▼ from 6.66%
- Oct 26, 20266.66%▼ from 6.76%
- Oct 10, 20266.76%first recorded
Owner Occupied
- Oct 28, 20266.69%▼ from 6.94%
- Oct 12, 20266.94%▲ from 6.32%
- Sep 17, 20266.32%▲ from 6.19%
- Sep 14, 20266.19%first recorded
Mortgage Rates; Apply Online
- Oct 26, 20266.71%▼ from 6.84%
- Oct 14, 20266.84%▼ from 6.96%
- Oct 2, 20266.96%▲ from 6.84%
- Sep 27, 20266.84%▲ from 6.59%
As Low As; Rate shown on homepage promo card
- Oct 29, 20266.72%▼ from 6.80%
- Oct 13, 20266.80%first recorded
Owner Occupied
- Oct 28, 20266.72%▼ from 6.98%
- Oct 12, 20266.98%first recorded
Payment example: $871; Based on $100,000 loan, 40% down, credit score 740+, single-family home; Effective October 27, 2026
- Oct 31, 20266.74%▼ from 6.87%
- Oct 22, 20266.87%first recorded
No additional details available.
- Oct 31, 20266.76%▼ from 6.88%
- Oct 22, 20266.88%first recorded
Conforming mortgage; based on single-family primary residence purchase, 80% LTV, credit score 740, 15 days prepaid interest, 60-day rate lock; APR assumes $400,000 loan, 20% down, closing costs $2416.75 plus -0.04 points; rates shown for New York counties only (Bronx, Kings, New York, Orange, Queens, Richmond, Rockland, Westchester, Nassau, Suffolk, Erie)
- Oct 31, 20266.76%▼ from 6.89%
- Oct 26, 20266.89%first recorded
Effective Date: 10/30/26; Purchase, owner-occupied, conforming, New York; based on $500,000 loan, FICO 740, 60% LTV, 60-day rate lock
- Oct 31, 20266.79%▼ from 6.91%
- Oct 22, 20266.91%first recorded
Conforming Loans; Loan amounts up to $832,750; Effective: 10/29/2026
- Oct 30, 20266.80%▼ from 6.93%
- Oct 26, 20266.93%▲ from 6.68%
- Oct 19, 20266.68%first recorded
Effective 10/30/2026; Rate assumes purchase of primary residence, single-family property; APR assumes $250,000 loan, 20% down, $1,000 origination fee; advertised rates assume 740 credit score
Under $750,000
- Oct 31, 20266.84%▼ from 6.88%
- Oct 22, 20266.88%first recorded
As Low As; Purchase loan, $225,000 loan amount, $375,000 property value, NY (Erie county), existing single family primary residence, escrow required, 60-day rate lock, 740 credit score assumed; advertised APR assumes approximately 2.000 points
- Oct 31, 20266.87%▼ from 7.08%
- Oct 22, 20267.08%first recorded
Refinance; Conforming fixed rate mortgage; based on $300,000 loan amount; rate includes 0.125% autopay and paperless discount
Rates effective as of 10/29/2026; APR assumes $300,000 loan, FICO 760+, owner-occupied single-family in NY, LTV 80% or less
- Oct 30, 20266.88%▼ from 7.00%
- Oct 19, 20267.00%▼ from 7.23%
- Oct 14, 20267.23%first recorded
Loan amounts up to $806,500; Conforming
Today's Mortgage Rates; Apply Now
- Oct 31, 20266.89%▼ from 7.14%
- Oct 7, 20267.14%first recorded
Interest rate not published; APR shown on page
- Oct 19, 20266.97%▼ from 7.09%
- Oct 10, 20267.09%▼ from 7.22%
- Oct 1, 20267.22%▲ from 7.09%
- Sep 27, 20267.09%▲ from 6.84%
Payment per $1,000: $8.85; based on $200,000 loan, $334,000 primary residence, rate/term refinance, 60-day rate lock, includes tax and homeowner's insurance escrows, 780+ credit score
As Low As; Home Loans
Jumbo table (data-ratetype); purchase of existing single family primary residence; loan amount $1,000,000; estimated property value $1,250,000; property in NY, Erie county; escrow required; 60-day rate lock; assumed credit score 740
Rates shown for New York counties only (Bronx, Kings, New York, Orange, Queens, Richmond, Rockland, Westchester, Nassau, Suffolk, Erie); based on 80% LTV and 740 credit score
- Oct 31, 20267.00%▼ from 7.12%
- Oct 26, 20267.12%▼ from 7.25%
- Oct 20, 20267.25%▼ from 7.50%
- Oct 14, 20267.50%first recorded
As Low As; Prepaid Fin. Charge: $8,517.88; Assumptions: Loan Amount $350,000, 60% LTV, Minimum FICO 720; as of 10/26/2026 10:43 AM
- Oct 26, 20267.02%▼ from 7.15%
- Oct 20, 20267.15%first recorded
Loans up to $750,000; Fixed Rate Mortgage; Rates effective as of 10/20/2026; Rates $750,001 - $1,500,000 add 0.125% to the base rate; owner occupied properties in NYC, Nassau, Westchester, Suffolk, Putnam, Rockland and Fairfield Counties
No additional details available.
- Oct 27, 20267.09%▼ from 7.21%
- Oct 22, 20267.21%first recorded
As Low As; Assumes purchase, $225,000 loan, $375,000 property value, Erie county NY, primary residence, escrow required, 60-day rate lock, 740 credit score
- Oct 31, 20267.10%▼ from 7.23%
- Oct 26, 20267.23%first recorded
As Low As; Purchase loan of $225,000 on $375,000 property value; NY, Erie county; existing single family primary residence; escrow required; 60-day rate lock; 740 credit score assumed
- Oct 31, 20267.10%▼ from 7.23%
- Oct 26, 20267.23%first recorded
Initial rate; Margin 2.250%; Rate change frequency after initial period: Annually; Max per adjustment cap 2.00%; Lifetime cap 5.00%; Index 1 Yr - CMT; Floor 3.00%; Monthly payment example $905.83
- Oct 28, 20267.11%▲ from 6.70%
- Oct 22, 20266.70%first recorded
No additional details available.
- Oct 29, 20267.12%▼ from 7.25%
- Oct 23, 20267.25%first recorded
As Low As; Up to 1.0 points; Members without permanent resident status may be charged up to 1.0 origination points and 0.750% added to the loan rate
Published rate range: 7.125%-8.125%. Zero Points; APR based on lowest rate
- Oct 15, 20267.16%▲ from 6.92%
- Oct 13, 20266.92%first recorded
Initial rate; Margin 2.250%; Rate change frequency after initial period: Annually; Max per adjustment cap 2.00%; Lifetime cap 5.00%; Index 1 Yr - CMT; Floor 3.00%; Monthly payment example $912.86
- Oct 28, 20267.27%▲ from 6.81%
- Oct 22, 20266.81%first recorded
No additional details available.
Effective APR; Rates effective October 16, 2026 to October 31, 2026; Monthly payment example $1,825.73 on $200,000 loan
Rates effective October 16, 2026 to October 31, 2026; Effective APR based on final loan amount and applicable finance charges
Additional Mortgage Options; Monthly payment shown per $150,000 borrowed; Jovia Financial is not the lender for FHA or VA products
- Oct 31, 20267.51%▼ from 7.58%
- Oct 20, 20267.58%▼ from 7.69%
- Oct 14, 20267.69%▲ from 7.66%
- Oct 7, 20267.66%▲ from 7.51%
Additional Mortgage Options; Monthly payment shown per $150,000 borrowed; Jovia Financial is not the lender for FHA or VA products
- Oct 31, 20267.60%▼ from 7.67%
- Oct 20, 20267.67%first recorded
As Low As; Rate and APR as low as; Discount points $0; Loan amount range $10,000 to $1,500,000; Assumes credit score 780+, LTV 75% or less on purchase, 70% or less on refinance
Starting at; featured on Today's Rates
- Oct 29, 20268.12%▲ from 8.03%
- Oct 23, 20268.03%▲ from 6.66%
- Sep 14, 20266.66%first recorded
As Low As; Prepaid Fin. Charge: $5,668.75; $/1000: $9.92
- Oct 26, 20268.79%▲ from 8.53%
- Sep 19, 20268.53%first recorded
Eastport 5/1 ARM Mortgage Rates
Initial APR; footnote: APR assumes 30-year term, 2/6 caps, $300,000 loan, 80% LTV, 1% origination fee
Base Rate 5.000%; Initial APR 5.114%; 30-year term, 2% annual / 6% lifetime caps
- Oct 23, 20265.11%▲ from 4.61%
- Oct 13, 20264.61%first recorded
Index: WSP + 0%
As Low As; Rate as low as 5.750%, APR as low as 5.872%; Actual rate may vary based on credit worthiness and down payment
- Oct 30, 20265.87%▼ from 6.00%
- Oct 19, 20266.00%▼ from 6.12%
- Oct 14, 20266.12%▼ from 6.25%
- Oct 1, 20266.25%▲ from 6.12%
As Low As; Up to 1.0 points**; Members without permanent resident status may be charged up to 1.0 origination points and 0.750% added to the loan rate
As Low As; Enjoy a low initial rate that adjusts with the market. Various terms and options available. Rates may include points.
- Oct 26, 20265.88%▼ from 6.00%
- Oct 14, 20266.00%▼ from 6.13%
- Oct 1, 20266.13%▲ from 5.63%
- Sep 18, 20265.63%▲ from 5.50%
Initial rate range: 5.90 - 6.25; First lien owner-occupied residential real estate, mortgage amounts of $500,000 or less
- Oct 5, 20265.90%▲ from 5.60%
- Sep 17, 20265.60%▲ from 5.15%
- Sep 14, 20265.15%first recorded
Initial rate range: 6.00 - 6.35; First lien owner-occupied residential real estate, mortgage amounts of $500,000 or less
- Oct 5, 20266.00%▲ from 5.75%
- Sep 17, 20265.75%▲ from 5.45%
- Sep 14, 20265.45%first recorded
Adjustable Rate Mortgage
- Oct 29, 20266.20%▼ from 6.25%
- Oct 13, 20266.25%▼ from 7.03%
- Oct 2, 20267.03%first recorded
Interest rates as of 10/13/2026
Interest rates as of 10/13/2026
Variable rate; may change after account opening; Apply Online
- Oct 26, 20266.38%▼ from 6.43%
- Oct 19, 20266.43%first recorded
First Cap: +/- 2.00%; Subsequent Cap: +/- 1.00%; Lifetime Cap: +/- 5.00%; Fixed for first 5 years, then adjusts every six months; Effective 10/29/2026
- Oct 30, 20266.49%▲ from 6.48%
- Oct 19, 20266.48%first recorded
Fixed for first 5 years, then adjusts bi-annually; First Cap: +/- 2.00%; Subsequent Cap: +/- 1.00%; Lifetime Cap: +/- 5.00%; Rates effective as of 10/29/2026
- Oct 30, 20266.49%▲ from 6.48%
- Oct 19, 20266.48%first recorded
Adjustable Rate Mortgage; initial period 60 months at 5.750% with payment $1,015.93; after 60 months rate may adjust to 11.250% (est. payment $1,537.36); Minimum loan amount $25,000.00; Purchase or Refinance: 90 day rate lock; Payment does not include property taxes and insurance
- Oct 1, 20266.50%▲ from 6.23%
- Sep 27, 20266.23%first recorded
Max Loan: $832,750; 60 months fixed then adjusts every six months
- Oct 1, 20266.64%▲ from 6.51%
- Sep 18, 20266.51%▲ from 6.44%
- Sep 15, 20266.44%first recorded
Jumbo mortgage; based on purchase of single-family primary residence, 65% LTV, 740 credit score, 60-day rate lock; rates shown for New York only
- Oct 31, 20266.69%▼ from 6.79%
- Oct 20, 20266.79%▼ from 6.83%
- Oct 14, 20266.83%▲ from 6.76%
- Oct 7, 20266.76%▲ from 6.75%
As Low As; 5/6 ARM is a variable rate loan; APR assumes 20% down, 30 day rate lock, $200,000.00 loan amount
Initial rate range: 6.75 - 7.10; First lien owner-occupied residential real estate, mortgage amounts of $500,000 or less; only available for first-lien residential owner-occupied property of four units or less
- Sep 17, 20266.75%▲ from 6.45%
- Sep 14, 20266.45%first recorded
As Low As; Estimated Monthly Payment (P & I) $1,539.29 (see payment example; excludes taxes and hazard insurance); Initial fixed period 5 years, then adjusts annually; Assumes NY property, LTV 75% or less, credit score 780 or above
- Oct 31, 20266.78%▼ from 6.84%
- Oct 26, 20266.84%▼ from 6.86%
- Oct 20, 20266.86%▼ from 6.90%
- Oct 14, 20266.90%first recorded
Payment per $1,000: $6.16; 6.25% simple interest rate, 6.789% APR good for 5 years; rate caps after year 5 per footnote
- Oct 30, 20266.79%▼ from 6.91%
- Oct 26, 20266.91%▲ from 6.79%
- Oct 19, 20266.79%▼ from 7.04%
- Oct 14, 20267.04%▼ from 7.16%
Effective Date: 10/30/26; Purchase, owner-occupied, conforming, New York; based on $500,000 loan, FICO 740, 60% LTV, 60-day rate lock
Effective Date: 10/30/26; Purchase, owner-occupied, conforming, New York; based on $500,000 loan, FICO 740, 60% LTV, 60-day rate lock
Adjustable rate; Maximum loan to value: 80%; Maximum loan amount: $766,550; Rate fixed for 5 years, then adjusts annually based on 1-year Treasury index plus margin
Conform / Jumbo: Up to $806,500; No points; No prepayment penalty
- Oct 5, 20266.86%▲ from 6.74%
- Sep 14, 20266.74%first recorded
Payment per $1,000: $6.24
- Oct 30, 20266.87%▼ from 7.00%
- Oct 26, 20267.00%▲ from 6.87%
- Oct 19, 20266.87%▼ from 7.12%
- Oct 14, 20267.12%▼ from 7.25%
Initial rate; Margin 2.250%; Rate change frequency after initial period: Annually; Max per adjustment cap 2.00%; Lifetime cap 5.00%; Index 1 Yr - CMT; Floor 3.00%; Monthly payment example $656.93
- Oct 28, 20266.90%▲ from 6.78%
- Oct 22, 20266.78%first recorded
Adjustable-Rate Mortgages (ARMS); Loan Amount: $750,000 & Over; Rates include autopay discount of 0.25% from a Beacon Bank checking account
Rates as of 10/26/2026; Introductory rate fixed for first 5 years, then adjusts every 6 months based on 30-day compounded average SOFR; 2% cap at first adjustment, 1% thereafter; life of loan cap +/-5%; floor 2.50%; margin 2.50%
As Low As; w/ 1.000 Points; Payment: 1,419.69
- Oct 30, 20266.94%▼ from 6.98%
- Oct 19, 20266.98%first recorded
Adjustable Mortgage; Maximum Loan to Value: 89%; Effective date: October 23, 2026
- Oct 26, 20266.97%▲ from 6.72%
- Oct 7, 20266.72%first recorded
Maximum Loan to Value: 89%; Effective date: October 19, 2026
- Oct 21, 20266.97%▲ from 6.67%
- Sep 24, 20266.67%▲ from 6.62%
- Sep 15, 20266.62%first recorded
CPM/Initial Rate: $6.08; Current Fully Indexed Rate: 7.375%; CPM/Current Fully Indexed Rate: $6.91; Annual cap on 5/1 Adjustable Products is 2%; Lifetime cap is 6% over the initial interest rate
Adjustable-Rate Mortgages (ARMS); Loan Amount: Under $750,000; Rates include autopay discount of 0.25% from a Beacon Bank checking account
First 5 Years fixed; rate may adjust every year; owner-occupied primary residence, $15,000 - $1,000,000, up to 75% LTV; lifetime rate cap 6.00% above intro rate; rate current as of 10/29/2026 with FICO 740; 0.25% auto-pay discount applies
- Oct 31, 20266.99%▲ from 6.45%
- Oct 3, 20266.45%▲ from 6.20%
- Sep 15, 20266.20%first recorded
Type: 5/1/30; NY Only; APR* as low as (0 pts.)
- Oct 23, 20267.00%▼ from 7.13%
- Oct 12, 20267.13%first recorded
As Low As; Prepaid Fin. Charge: $2,485.94; Fixed for 5 years then adjusts every 5 years; Index: 5 Year CMT; Assumptions: Loan Amount $350,000, 60% LTV, Minimum FICO 720; as of 10/26/2026 10:50 AM
As Low As; Construction loan with 1-year interest-only period followed by 30-year term; Prepaid Fin. Charge: $2,900.00; Assumptions: Loan Amount $350,000, 60% LTV, Minimum FICO 720
As Low As; Fixed for 5 years, then may increase every 1 year; Prepaid Fin. Charge: $3,126.91; Assumptions: Loan Amount $350,000, 60% LTV, Minimum FICO 720; as of 10/26/2026 10:43 AM
CPM/Initial Rate: $6.49; Current Fully Indexed Rate: 7.375%; CPM/Current Fully Indexed Rate: $6.91; Annual cap is 5% at first adjustment and 2% thereafter; Lifetime cap is 6% over the initial interest rate
Mortgage Rates; Price per Thousand: $6.65
Conform / Jumbo: Over $806,500; No points; No prepayment penalty
- Oct 5, 20267.06%▲ from 6.74%
- Sep 14, 20266.74%first recorded
As Low As; Home Loans
Rates/APR accurate as of 10/28/2026
- Oct 29, 20267.08%▼ from 7.14%
- Oct 23, 20267.14%▼ from 7.24%
- Oct 12, 20267.24%first recorded
As Low As; Prepaid Fin. Charge: $2,521.18; Fixed for 5 years then adjusts every 5 years; Index: 5 Year CMT; Assumptions: Loan Amount $350,000, 60% LTV, Minimum FICO 720; as of 10/26/2026 10:50 AM
Loans up to $750,000; Current Fully Indexed Rate: 7.375%; CPM/Initial Rate: $6.32; CPM/Current Fully Indexed Rate: $6.91; Rates effective as of 10/20/2026; Rates $750,001 - $1,500,000 add 0.125% to the base rate
Type: 5/1/30; APR* as low as (0 pts.)
As Low As; Up to 1.0 points; Members without permanent resident status may be charged up to 1.0 origination points and 0.750% added to the loan rate
Preferred rate (*) offered with checking account for automatic monthly payment deduction; Cap Per Adj 1.50%; Lifetime Cap 12.250%; Margin 2.75%; Monthly P & I Payment per $1,000 $6.16; Payment based on maximum term of 30 years; Mortgage rates apply to requests of $832,750 or less; APR based on $250,000 loan
5/1 ARM; Initial rate asterisked on page; Cap Per Adj 1.50%; Lifetime Cap 12.250%; Margin 2.75%; Floor set at initial interest rate; Payment per $1,000 based on maximum term of 30 years
Eastport 30-Year Jumbo Mortgage Rates
Jumbo Adjustable-Rate Mortgage; initial fixed period 10 years, then adjusts every 6 months; advertised rate assumes ALPA discount of 0.125%; rate assumes credit score of 740
- Oct 31, 20266.31%▼ from 6.47%
- Oct 22, 20266.47%first recorded
Jumbo Adjustable-Rate Mortgage; initial fixed period 7 years, then adjusts every 6 months; advertised rate assumes ALPA discount of 0.125%; rate assumes credit score of 740
- Oct 31, 20266.32%▼ from 6.44%
- Oct 22, 20266.44%first recorded
Jumbo Fixed-Rate Mortgage; advertised rate assumes ALPA discount of 0.125%; rate assumes credit score of 740
Effective: 10/29/2026; Loan amounts from $832,751 - $2,000,000; Minimum loan amount listed is for single family home or condo
- Oct 30, 20266.51%▼ from 6.64%
- Oct 19, 20266.64%▲ from 6.26%
- Sep 22, 20266.26%first recorded
Rates as of Oct 30, 2026 ET; Interest Rates As Low As; APR As Low As
- Oct 31, 20266.71%▼ from 6.83%
- Oct 20, 20266.83%▼ from 6.87%
- Oct 6, 20266.87%▲ from 6.77%
- Sep 30, 20266.77%first recorded
Effective: 10/29/2026; Loan amounts from $832,751 - $2,000,000; Minimum loan amount listed is for single family home or condo
- Oct 30, 20266.76%▼ from 7.01%
- Oct 19, 20267.01%▲ from 6.76%
- Sep 22, 20266.76%first recorded
Effective: 10/29/2026; Loan amounts from $832,751 - $2,000,000; Minimum loan amount listed is for single family home or condo
- Oct 30, 20266.89%▼ from 7.14%
- Oct 19, 20267.14%▲ from 6.89%
- Sep 22, 20266.89%first recorded
Jumbo loan; Apply Online
- Oct 26, 20267.14%▼ from 7.39%
- Oct 14, 20267.39%▼ from 7.52%
- Oct 1, 20267.52%▲ from 7.39%
- Sep 27, 20267.39%▲ from 7.14%
Jumbo Fixed Rates; APR assumes 20% down payment; owner occupied properties only
- Oct 26, 20267.21%▼ from 7.46%
- Oct 22, 20267.46%first recorded
Jumbo Fixed Rates; APR assumes 20% down payment; owner occupied properties only
- Oct 26, 20267.33%▼ from 7.46%
- Oct 22, 20267.46%first recorded
No additional details available.
- Oct 31, 20267.39%▼ from 7.52%
- Oct 26, 20267.52%▼ from 7.64%
- Oct 20, 20267.64%first recorded
Jumbo fixed; payment assumes $1,000,000 loan; APR assumes 20% down payment; owner occupied properties only
- Oct 26, 20267.45%▼ from 7.46%
- Oct 22, 20267.46%first recorded
Jumbo; Interest Rate then APR
- Oct 19, 20267.60%▼ from 7.63%
- Oct 13, 20267.63%first recorded
Interest Rates As Low As; Exclusive mortgage benefit for Servicemembers, Reservists and Veterans who have already exhausted their VA loan benefit; no down payment required; 720 FICO, down payment of 0%; rates as of Oct 30, 2026 ET
- Oct 31, 20268.10%▼ from 8.22%
- Oct 26, 20268.22%▼ from 8.35%
- Oct 20, 20268.35%first recorded
As Low As; Rates as of Oct 30, 2026 ET; Advertised rate assumes single-family primary residence, 720 FICO, 0% down
- Oct 31, 20268.22%▼ from 8.35%
- Oct 26, 20268.35%▼ from 8.48%
- Oct 20, 20268.48%▼ from 8.61%
- Oct 1, 20268.61%first recorded
Eastport 15-Year Jumbo Mortgage Rates
Jumbo Fixed-Rate Mortgage; advertised rate assumes ALPA discount of 0.125%; rate assumes credit score of 740
Jumbo loan; Apply Online
- Oct 26, 20266.28%▼ from 6.40%
- Oct 14, 20266.40%▼ from 6.53%
- Oct 2, 20266.53%▲ from 6.40%
- Sep 27, 20266.40%▲ from 6.15%
Jumbo fixed; payment assumes $1,000,000 loan; APR assumes 20% down payment; owner occupied properties only
- Oct 26, 20266.74%▼ from 6.87%
- Oct 22, 20266.87%first recorded
Jumbo Fixed Rates; APR assumes 20% down payment; owner occupied properties only
- Oct 26, 20266.75%▼ from 6.87%
- Oct 22, 20266.87%first recorded
Jumbo Fixed Rates; APR assumes 20% down payment; Rates quoted for owner occupied properties only
As Low As; Assumes single-family primary residence, 720 FICO, 20% down; Minimum 5% down required; Rates as of Oct 30, 2026 ET
- Oct 26, 20266.85%▼ from 6.97%
- Oct 20, 20266.97%first recorded
Jumbo Fixed Rates; APR assumes 20% down payment; owner occupied properties only
- Oct 26, 20266.87%▼ from 6.87%
- Oct 22, 20266.87%first recorded
Jumbo; Interest Rate then APR
- Oct 29, 20266.94%▼ from 7.23%
- Oct 26, 20267.23%▲ from 7.20%
- Oct 19, 20267.20%▼ from 7.23%
- Oct 13, 20267.23%first recorded
Eastport 5/1 Jumbo ARM Mortgage Rates
Jumbo Adjustable-Rate Mortgage; initial fixed period 5 years, then adjusts every 6 months; advertised rate assumes ALPA discount of 0.125%; rate assumes credit score of 740
- Oct 31, 20266.34%▼ from 6.44%
- Oct 22, 20266.44%first recorded
Interest rates as of 10/13/2026
Interest rates as of 10/13/2026
Rates as of Oct 30, 2026 ET; Interest Rates As Low As; APR As Low As
- Oct 31, 20266.65%▼ from 6.78%
- Oct 20, 20266.78%▼ from 6.83%
- Oct 6, 20266.83%▲ from 6.75%
- Sep 30, 20266.75%first recorded
Eastport FHA Loan Rates
As Low As; Assumes purchase, $225,000 loan, $375,000 property value, Erie county NY, primary residence, escrow required, 60-day rate lock, 740 credit score
- Oct 31, 20267.00%▼ from 7.32%
- Oct 26, 20267.32%first recorded
As Low As; Assumes purchase, $225,000 loan, $375,000 property value, Erie county NY, primary residence, escrow required, 60-day rate lock, 740 credit score
- Oct 31, 20267.10%▼ from 7.23%
- Oct 26, 20267.23%first recorded
Payment per $1,000: $6.57
FHA loan
Additional Mortgage Options; Monthly payment shown per $150,000 borrowed; Jovia Financial is not the lender for FHA or VA products
- Oct 31, 20267.60%▼ from 7.67%
- Oct 20, 20267.67%first recorded
Additional Mortgage Options; Monthly payment shown per $150,000 borrowed; Jovia Financial is not the lender for FHA or VA products
- Oct 31, 20267.69%▼ from 7.82%
- Oct 20, 20267.82%▼ from 8.34%
- Oct 14, 20268.34%▲ from 7.82%
- Oct 7, 20267.82%▲ from 7.31%
Additional Mortgage Options; Monthly payment shown per $150,000 borrowed; Jovia Financial is not the lender for FHA or VA products
- Oct 31, 20267.69%▼ from 7.82%
- Oct 20, 20267.82%first recorded
As Low As; Rate and APR as low as; Discount points $0; Loan amount range $10,000 to $1,500,000; Assumes credit score 780+, LTV 75% or less on purchase, 70% or less on refinance
As Low As; Rate and APR as low as; Discount points $0; Loan amount range $10,000 to $1,500,000; Assumes credit score 780+, LTV 75% or less on purchase, 70% or less on refinance
No additional details available.
- Oct 26, 20268.07%▼ from 8.20%
- Oct 20, 20268.20%▼ from 8.33%
- Oct 11, 20268.33%▼ from 8.71%
- Oct 1, 20268.71%▲ from 8.33%
Eastport VA Loan Rates
Variable; TD Mortgage Prime Rate 4.85% -0.31%; Posted Rate: TD Mortgage Prime Rate (struck through)
- Oct 31, 20264.56%▲ from 4.31%
- Oct 26, 20264.31%first recorded
Rates as of Oct 30, 2026 ET. Rates subject to change.
- Oct 31, 20266.66%▼ from 6.79%
- Oct 20, 20266.79%first recorded
Rates as of Oct 30, 2026 ET. Rates subject to change.
- Oct 31, 20266.93%▼ from 7.06%
- Oct 20, 20267.06%first recorded
As Low As; Purchase loan of $225,000 on $375,000 property value; NY, Erie county; existing single family primary residence; escrow required; 60-day rate lock; 740 credit score assumed
- Oct 31, 20267.00%▼ from 7.32%
- Oct 26, 20267.32%first recorded
As Low As; Purchase loan of $225,000 on $375,000 property value; NY, Erie county; existing single family primary residence; escrow required; 60-day rate lock; 740 credit score assumed
- Oct 31, 20267.10%▼ from 7.23%
- Oct 26, 20267.23%first recorded
Additional Mortgage Options; Monthly payment shown per $150,000 borrowed; Jovia Financial is not the lender for FHA or VA products
- Oct 31, 20267.45%▼ from 7.96%
- Oct 20, 20267.96%▼ from 7.99%
- Oct 14, 20267.99%▲ from 7.96%
- Oct 7, 20267.96%▲ from 7.19%
Additional Mortgage Options; Monthly payment shown per $150,000 borrowed; Jovia Financial is not the lender for FHA or VA products
- Oct 31, 20267.51%▼ from 7.58%
- Oct 20, 20267.58%▼ from 7.69%
- Oct 14, 20267.69%▲ from 7.66%
- Oct 7, 20267.66%▲ from 7.51%
Payment per $1,000: $6.65
- Oct 30, 20267.66%▼ from 7.79%
- Oct 26, 20267.79%first recorded
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Eastport, NY Mortgage Rate Trends
Compare local Eastport, NY mortgage rate quotes against the statewide average
Daily mortgage rate averages tracked across our database of verified mortgage rate quotes, updated every evening.
New York 30-year fixed rates fell 0.043 points over the past 7 days to 7.269%.
New York 15-year fixed rates fell 0.003 points over the past 7 days to 6.908%.
New York Mortgage Rate Forecast, Next 12 Months
Where are New York mortgage rates headed through October 2027?
Based on Fed funds rate futures, 10-year Treasury path, and historical mortgage spread model. Not financial advice.
What Forecast Rates Mean for Eastport, NY Home Buyers
Monthly principal & interest payment on Eastport, NY median home of $665,100 (20% down, 30-year fixed, city-level Census ACS median)
| Scenario | Rate | Mo. Payment | vs. Today | % of Income |
|---|---|---|---|---|
| Today (NY avg) | 7.269% | $3,637 | 36.5% | |
| 6-Month Forecast | 7.269% (6.92, 7.57%) | $3,637 | +$0/mo | 36.5% |
| 12-Month Forecast | 7.519% (7.17, 7.82%) | $3,727 | +$91/mo | 37.4% |
Income column = annual mortgage payment as % of Eastport, NY median household income ($119,453). Above 30% is generally considered cost-burdened.
MonitorBankRates Housing Affordability Index (MBR-HAI)
A daily-updated affordability score for Eastport, New York , computed from local Census Bureau data combined with current New York mortgage rates.
What This Score Means for Eastport, New York Home Buyers
With a score of 104.3, Eastport, New York is 6.8 points more affordable than the national average of 97.4. It ranks 517 of 922 scored New York cities, where 1 is the most affordable. The area’s median home value of $665,100 against a median household income of $119,453 produces a price-to-income ratio of 5.6x , modestly above the national norm. At the current New York mortgage rate of 7.267%, a buyer purchasing the median-priced home with 20% down would carry a monthly payment of approximately $3,636 in principal and interest.
Beyond the mortgage payment, the median total monthly owner cost in this area is $3,040, covering mortgage, property taxes, insurance, and utilities. These ongoing costs factor directly into the MBR-HAI alongside the mortgage rate and income data.
Score computed from local U.S. Census Bureau ACS 5-Year Estimates (2024) and CPS/HVS Q4 2025 data, combined with the current New York live mortgage rate. Score of 100 = national average at 6.5% reference rate. Full methodology
How Mortgage Rates Impact Home Affordability in Eastport, New York
Eastport, New York Housing Market Overview
According to the U.S. Census Bureau, the median owner-occupied home value in Eastport, New York is approximately $665,100. The 2026 FHFA conforming loan limit for this area is $832,750, meaning most buyers financing at 80% LTV will qualify for conforming loan pricing, making rate comparison across local lenders especially valuable.
Eastport, New York Homeownership Rate
With a homeownership rate of 52.4%, significantly below the national average of 65.7%, Eastport, New York has a large pool of potential buyers actively competing for available properties. The homeowner vacancy rate of 1.2% signals a tight market with limited available inventory, making it critical to secure the best possible rate quickly when a suitable property becomes available.
Monthly Payment Estimates for Eastport, New York Buyers
Even a small difference in your interest rate can add up to tens of thousands of dollars over the life of a loan. The table below shows monthly principal and interest payments on a $530,000 mortgage, based on a 20% down payment on the Eastport, New York median home value.
| Interest Rate | Loan Term | Monthly Payment | Total Interest Paid |
|---|---|---|---|
| 6.769% | 30-year fixed | $3,444 | $709,936 |
| 7.269% Current Avg | 30-year fixed | $3,622 | $774,052 |
| 7.769% | 30-year fixed | $3,804 | $839,421 |
| 6.908% | 15-year fixed | $4,737 | $322,583 |
A 0.500% rate increase on a $530,000 loan adds roughly $182 per month and over $65,368 in total interest over a 30-year term. That’s why comparing verified, current rates from multiple lenders, using the rate table above, is one of the most impactful financial decisions a Eastport, New York buyer can make.
Data sources: U.S. Census Bureau; Federal Housing Finance Agency (FHFA). Monthly payments shown are principal & interest only; taxes, insurance, and PMI not included.
Eastport, New York Income & Housing Affordability
At a price-to-income ratio of 5.6x, Eastport, New York is a moderately expensive housing market. That ratio, median home value divided by median household income, is a standard benchmark used by housing economists to gauge how accessible homeownership is relative to local earnings. The national baseline is approximately 3.8x.
What This Means for Eastport, New York Buyers
With a median household income of $119,453 per year in Eastport, New York ($9,954/month) and a median home value of approximately $665,100, a buyer financing at 80% LTV at the current average rate would commit roughly 36.4% of gross monthly income to principal and interest alone. That places most buyers above the 30% threshold housing economists use to define "cost burdened", before taxes, insurance, HOA fees, or PMI are factored in.
Compared to the New York statewide price-to-income ratio of 4.9x, Eastport tracks closely with the broader New York market on income-adjusted affordability. In either case, even a 0.25% improvement in your mortgage rate meaningfully reduces both the income needed to qualify and the total cost over the loan term.
Data sources: U.S. Census Bureau. Monthly payment estimate assumes 80% LTV at current average rate; principal and interest only.
Full Cost of Homeownership in Eastport, New York
A mortgage payment is just the starting point. Property taxes, insurance, and utilities add hundreds of dollars per month to the true cost of owning a home in Eastport, New York. Understanding the full picture before you buy is the difference between a home you can afford and one that stretches you thin.
Owner vs. Renter Costs
In Eastport, New York, the median homeowner with a mortgage pays approximately $3,040/month in total housing costs, covering the mortgage payment, property taxes, insurance, and utilities. The median renter pays $2,224/month including utilities. That $816/month gap between owning and renting reflects both the premium for ownership and the reality that mortgaged homeowners are building equity with each payment while renters are not.
Housing Cost Burden
The federal standard defines “cost burdened” as spending more than 30% of gross household income on housing. “Severely cost burdened” means spending 50% or more. Both thresholds leave little room for savings, emergencies, or other financial goals.
In Eastport, New York, 34.2% of homeowners with mortgages are cost burdened and 6.7% of renters are cost burdened. With an owner burden rate of 34.2% near the national average of 28.0%, this market reflects typical affordability conditions for mortgage holders.
Data sources: U.S. Census Bureau, American Community Survey 5-Year Estimates. Monthly owner costs include mortgage payment, taxes, insurance, and utilities. Property taxes reflect median annual taxes for mortgage holders. Rent reflects median gross rent including utilities. Cost burden figures reflect households spending 30%+ of gross income on housing.
Eastport, New York Mortgage Payment Calculator
See your estimated monthly principal & interest payment at today’s Eastport, New York rates. The home price is prefilled with the local median home value. Adjust anything, or click a current rate on the right to apply that loan type’s rate and term instantly.
Principal & interest only, excludes property taxes, homeowners insurance, PMI, and HOA dues. See the Full Cost of Homeownership section above for those figures. Estimates are for informational purposes only.
Run the Numbers on Your Eastport, New York Home Loan
Rates are only part of the equation. Use these calculators to translate current Eastport, New York mortgage rates and home loan rates into real numbers for your specific situation before you request quotes from mortgage lenders.
Enter your loan amount, interest rate, and term length to see your estimated monthly principal and interest payment. Adjust any variable to model different scenarios: a larger down payment, a shorter term, or a rate a quarter-point lower than what you were quoted.
CalculateTell us your gross income, monthly debt obligations, and how much you have for a down payment. We’ll show you the home price range you’re likely to qualify for at current Eastport, New York rates, so you can shop with a realistic number in mind rather than discovering your ceiling after you’ve fallen in love with a property.
CalculateIf you already own a home, enter your current rate, remaining loan balance, and the rate you’ve been quoted to refinance. The calculator shows your new monthly payment, how much you’d save each month, and the break-even point, the number of months it takes for your savings to cover the closing costs of refinancing.
CalculateBuying isn’t always the better financial decision, and renting isn’t always throwing money away. This calculator weighs the full cost of each path: mortgage payments, taxes, insurance, and maintenance against rent increases and the opportunity cost of a down payment, to show which option builds more wealth over your intended time horizon in Eastport, New York.
CalculateTypes of Mortgages Available in Eastport, New York
Not every loan program is right for every buyer in Eastport, New York. Rates, down payment requirements, eligibility rules, and long-term costs vary significantly across products, and the right choice depends on your credit profile, how long you plan to stay, and whether you qualify for any government-backed programs.
Fixed-Rate Mortgage
A fixed-rate mortgage locks your interest rate in for the entire loan term. Your principal and interest payment on day one is identical to payment 360. That predictability is valuable for long-term financial planning, especially in markets where housing costs represent a large share of household income.
Available in 10-, 15-, 20-, and 30-year terms. The 30-year minimizes monthly payments; the 15-year cuts total interest paid dramatically but requires a higher monthly commitment. The payment comparison table above shows exactly how those trade-offs look at today’s Eastport, New York rate levels.
Adjustable-Rate Mortgage (ARM)
An ARM offers a fixed introductory rate for an initial period, commonly 5, 7, or 10 years, after which the rate adjusts periodically based on a market index. The starting rate is typically lower than a comparable fixed-rate loan, which reduces your monthly payment during the initial window.
ARMs work best when you have a defined exit timeline: if you plan to sell or refinance before the fixed period ends, you capture the lower rate without exposure to future adjustments. Rate caps govern how much the rate can move at each adjustment and in total, so read those terms closely before committing.
FHA Loan
Backed by the Federal Housing Administration, FHA loans are built for buyers who don’t yet meet conventional loan standards. You can qualify with a credit score of 580 and just 3.5% down, and some lenders will consider scores as low as 500 with a 10% down payment.
The cost of that lower barrier is mortgage insurance. FHA loans carry an upfront MIP of 1.75% of the loan amount (which can be rolled in) plus an annual MIP of 0.15% to 0.75% depending on your term and LTV. For buyers who would otherwise wait years to save a larger down payment, given ongoing home price trends in Eastport, New York, FHA is often the faster path to ownership.
VA Loan
Available to eligible active-duty service members, veterans, reservists, National Guard members, and qualifying surviving spouses, VA loans are among the most favorable mortgage programs available anywhere. No down payment is required, there is no monthly mortgage insurance, and rates are generally competitive with, and often better than, conventional loan rates.
A one-time funding fee applies, 2.15% of the loan for first-time VA borrowers with no down payment, which can be financed into the loan. In Eastport, New York, where home prices require substantial savings for a conventional down payment, the zero-down VA benefit is an enormous advantage for those who qualify.
Jumbo Loan
The 2026 FHFA conforming loan limit for Eastport, New York is $832,750. Mortgages above that amount are classified as jumbo loans and are not eligible for purchase by Fannie Mae or Freddie Mac, which means lenders carry the full risk and price that risk accordingly.
Jumbo underwriting is stricter: lenders typically require a credit score of 700 or higher, substantial cash reserves, thorough income documentation, and a down payment of at least 10 to 20%. Rates may run slightly above conforming levels, though the gap narrows in competitive lending environments.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Eastport, New York mortgage rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for Eastport, New York directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Eastport, New York. We feature a comprehensive mix of licensed NMLS financial institutions, from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in NY.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data, including the Texas Ratio, ensuring you compare rates from secure, reliable lenders.
Mortgage Product Information
How a Mortgage Works
A mortgage is a loan used to buy a home in Eastport, New York, secured by the property itself as collateral. The borrower repays the amount over a set term, most commonly 30 or 15 years, in monthly installments that cover both principal and interest. Because the loan is secured, the lender can foreclose on the home if payments are not made, which is part of why mortgage rates are lower than rates on unsecured debt.
Fixed vs. Adjustable Rate Mortgages
A fixed-rate mortgage keeps the same interest rate for the entire term, so a Eastport, New York homeowner’s principal-and-interest payment never changes. For example, Peapack-Gladstone Bank is listing a 30 Year Fixed-Affordable Housing at 6.00%. An adjustable-rate mortgage (ARM) starts with a fixed period, often five, seven, or ten years, and then adjusts periodically based on a market index. ARMs usually open with a lower rate, but the payment can rise once the fixed period ends, so they tend to suit Eastport, New York borrowers who expect to move or refinance before that point. On the adjustable-rate side, Actors Federal Credit Union is listing a Adjustable Rate Mortgage 5/1 ARM at 5.114%.
How Mortgage Rates Are Set
Mortgage rates move with the broader bond market, particularly the yield on the 10-year Treasury, plus a spread that reflects lender costs and risk. On top of that national baseline, the rate a New York borrower is offered depends on individual factors: credit score, down payment size, loan amount, loan type, and the property itself. This is why the advertised rates above are a starting point, and a borrower’s final rate is set once an application is underwritten.
Points and Closing Costs
The interest rate is not the only cost of buying a home in Eastport, New York. Discount points are an optional upfront fee (one point equals one percent of the loan amount) paid to lower the rate over the life of the loan. Closing costs cover items such as origination fees, appraisal, title insurance, and recording, and typically run two to five percent of the loan. Comparing the annual percentage rate (APR) alongside the note rate helps Eastport, New York shoppers account for these costs when weighing lenders.
When to Consider Refinancing
Refinancing replaces an existing mortgage with a new one, usually to secure a lower rate, change the term, or tap home equity. For Eastport, New York homeowners, the general guideline is that refinancing makes sense when the savings from a lower rate recoup the closing costs within the time the borrower plans to stay in the home, known as the break-even point. Borrowers also refinance to switch from an adjustable rate to a fixed rate, or to remove mortgage insurance once enough equity has built up. Current Eastport, New York refinance rates from local lenders are listed on our refinance page.
Frequently Asked Questions about Mortgage Rates in Eastport, New York
What are mortgage rates in Eastport, New York today?
What are home loan rates in Eastport, NY today?
How does my credit score affect my rate in Eastport, New York?
What is a 30-Year Fixed Mortgage?
What are closing costs in Eastport, New York?
Should I lock my mortgage rate?
What is an Adjustable-Rate Mortgage (ARM)?
What is a Jumbo Loan in Eastport, New York?
Do I need 20% down to buy a house in Eastport, New York?
What is the difference between Interest Rate and APR?
How do I compare mortgage lenders in Eastport, New York?
How do I get mortgage quotes in Eastport, New York?
What is the median home value in Eastport, New York?
What is the homeownership rate in Eastport, New York?
What is the conforming loan limit in Eastport, New York?
What is the median monthly cost of homeownership in Eastport, New York?
What is the median rent in Eastport, New York?
What percentage of homeowners are cost burdened in Eastport, New York?
What percentage of renters are cost burdened in Eastport, New York?
What are the best Mortgage rates in Eastport, New York?
- Peapack-Gladstone Bank: 6.00% (30 Year Fixed-Affordable Housing)
- Hudson River Community Credit Union: 6.50% (Mortgage - 30-year fixed)
- Dime Community Bank: 6.50% (30 Year Fixed - Affordable Housing Program)
- Ridgewood Savings Bank: 6.60% (SONYMA (Achieve the Dream) - 30 Year Fixed)
- Ukrainian National Federal Credit Union: 6.625% (First Mortgage - 30 year fixed (not offered on co-ops))
Eastport, New York Rates & Resources
