Poland, New York Mortgage Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Poland, New York mortgage rates from lenders serving New York range from 5.50% to 10.25%, verified by MonitorBankRates as of October 20, 2026. Current 30-year fixed mortgage rates for Poland, New York borrowers from lenders serving New York include Hudson River Community Credit UnionHudson River Community Credit UnionA+5.0 ★Texas Ratio: 5.82% at 6.50%, SUMA Federal Credit UnionSUMA Federal Credit UnionA5.0 ★Texas Ratio: 12.06% at 6.50%, Ukrainian National Federal Credit UnionUkrainian National Federal Credit UnionA5.0 ★Texas Ratio: 12.02% at 6.625%, Sunmark Credit UnionSunmark Credit UnionA5.0 ★Texas Ratio: 10.47% at 6.75%, and Beginnings Credit UnionBeginnings Credit UnionA+5.0 ★Texas Ratio: 3.32% at 7.00%. Mortgage rates as of October 20, 2026 according to verified data from MonitorBankRates.
Poland borrowers can compare 193 mortgage rates from 47 lenders serving the New York area, with mortgage rates as low as 6.50% from Hudson River Community Credit Union. 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 20, 2026
Compare Mortgage Rates Today in Poland, New York & the Surrounding Area
Poland 30 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
1-4 Family Owner Occupied/Condominiums/Co-ops; Zero Points; Estimated payment on $220,000 loan; Owner occupied, 20% down
Term: 30 year fixed (not offered on co-ops); As Low As; Non-jumbo; Comments: 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
No additional details available.
- Oct 19, 20266.88%▼ from 7.13%
- Oct 14, 20267.13%▼ from 7.26%
- Oct 1, 20267.26%▲ from 7.01%
- Sep 27, 20267.01%▲ from 6.76%
APR as low as; APR based on $100,000 loan amount at 80% loan to value; Rates effective as of 10/15/2026
- Oct 19, 20267.02%▼ from 7.27%
- Oct 14, 20267.27%first recorded
Fixed Rate Mortgage; APR assumes a $250,000 loan amount, 65% LTV, and 780 FICO score
No additional details available.
- Oct 19, 20267.11%▼ from 7.24%
- Oct 14, 20267.24%▼ from 7.36%
- Oct 1, 20267.36%▲ from 7.24%
- Sep 27, 20267.24%▲ from 6.86%
Margin 2.750%; Rate change frequency after initial period: Every 5 Years; Max Per Adj. Cap 2.00%; Lifetime Cap 5.00%; Index 5 Yr - CMT; Floor 5.00%; Monthly Pymt Ex $760.36
- Oct 12, 20267.12%▲ from 6.96%
- Oct 2, 20266.96%▲ from 6.87%
- Sep 18, 20266.87%first recorded
Investment property (1-4 Family Residential Properties); 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
As Low As; Lock in peace of mind for the long haul. A 30-year mortgage means lower monthly payments and lasting security.
- Oct 14, 20267.13%▼ from 7.25%
- Oct 1, 20267.25%▲ from 7.13%
- Sep 27, 20267.13%▲ from 7.00%
- Sep 22, 20267.00%▲ from 6.88%
No additional details available.
No additional details available.
- Oct 19, 20267.18%▼ from 7.30%
- Oct 1, 20267.30%▲ from 7.18%
- Sep 27, 20267.18%▲ from 6.80%
- Sep 18, 20266.80%▲ from 6.68%
Purchase; Rate: 7.125%, APR: 7.187%; Advertised as no points required
Purchase mortgage; no-point mortgage
- Oct 1, 20267.19%▲ from 6.94%
- Sep 19, 20266.94%first recorded
As Low As; Type of First Mortgage
- Oct 19, 20267.25%▼ from 7.37%
- Oct 14, 20267.37%▼ from 7.50%
- Oct 1, 20267.50%▲ from 7.37%
- Sep 27, 20267.37%▲ from 7.12%
Investment property (1-4 Family Residential Properties); 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
As Low As; Rates as low as
- Oct 19, 20267.25%▼ from 7.38%
- Oct 10, 20267.38%▼ from 7.50%
- Oct 2, 20267.50%▲ from 7.38%
- Oct 1, 20267.38%▲ from 7.25%
Conforming Home Loan Rates; Effective: 10/19/2026; Loan amounts up to $832,750 (single family/condo)
Rates are as low as shown; APR=Annual Percentage Rate; actual rate may vary based on creditworthiness and down payment
- Oct 19, 20267.31%▼ from 7.43%
- Oct 10, 20267.43%first recorded
Payment is based on a $240,000 loan at 80% loan-to-value, purchase of a single-family residence; Interest Only Term: 0 Months
- Oct 19, 20267.32%▲ from 7.07%
- Sep 18, 20267.07%first recorded
States: NY; Rate/term refinance; $250,000 conforming loan, owner-occupied, max 75% LTV, 740+ FICO, 60-day lock; includes 0.25% relationship/autopay discount; updated October 2, 2026
Monthly Payments per $1,000: $6.82
- Oct 1, 20267.34%▼ from 7.47%
- Sep 27, 20267.47%▲ from 7.22%
- Sep 24, 20267.22%first recorded
Max Loan: $832,750; Advertised rates assume 760 credit score, minimum $150,000 loan amount; Investment or tenant-occupied properties subject to additional 0.75%
- Oct 7, 20267.35%▲ from 7.22%
- Oct 1, 20267.22%▲ from 6.97%
- Sep 18, 20266.97%▲ from 6.60%
- Sep 15, 20266.60%first recorded
No additional details available.
Owner Occupied; Based on $100,000 mortgage at 80% LTV or less
As Low As
- Oct 1, 20267.40%▲ from 6.89%
- Sep 19, 20266.89%first recorded
HomeReady product provided by Fannie Mae; Subject to income and underwriting eligibility; Effective: 10/19/2026; Loan amounts up to $832,750 (single family/condo)
Rates effective as of 10/19/2026; APR assumes $300,000 loan, FICO 760+, LTV 80% or less, owner-occupied single-family in New York State, no cash-out
- Oct 19, 20267.41%▼ from 7.53%
- Oct 14, 20267.53%first recorded
As Low As; Interest Rate 7.250%, APR 7.417%; New York State only; purchase or no cash out refinance
- Oct 14, 20267.42%▼ from 7.54%
- Oct 10, 20267.54%▼ from 7.67%
- Oct 2, 20267.67%▲ from 7.54%
- Oct 1, 20267.54%▲ from 7.13%
Owner Occupied; Based on $100,000 mortgage at 80% LTV or less
No additional details available.
- Oct 15, 20267.44%▼ from 7.57%
- Oct 2, 20267.57%▲ from 7.44%
- Sep 25, 20267.44%▲ from 7.06%
- Sep 14, 20267.06%first recorded
No additional details available.
As Low As; Rates assume a NY property; Estimated monthly payment (P&I) $1,726.69; Excludes taxes and hazard insurance
Loan Amount: $250,000.01 - $500,000.00
- Oct 20, 20267.47%▼ from 7.73%
- Oct 14, 20267.73%▲ from 7.69%
- Oct 11, 20267.69%▲ from 7.57%
- Oct 7, 20267.57%▲ from 7.19%
No additional details available.
- Oct 15, 20267.48%▼ from 7.60%
- Oct 13, 20267.60%▲ from 7.10%
- Sep 18, 20267.10%first recorded
Loan Amount: $200,000.01 - $250,000.00
- Oct 20, 20267.48%▼ from 7.74%
- Oct 14, 20267.74%▲ from 7.70%
- Oct 11, 20267.70%▲ from 7.58%
- Oct 7, 20267.58%▲ from 7.19%
Loan Amount: $150,000.01 - $200,000.00
- Oct 20, 20267.50%▼ from 7.57%
- Oct 11, 20267.57%▼ from 7.59%
- Oct 7, 20267.59%▲ from 7.19%
- Sep 27, 20267.19%▲ from 6.85%
Loan Amount: Up to $150,000.00
- Oct 20, 20267.52%▼ from 7.60%
- Oct 11, 20267.60%▲ from 7.49%
- Oct 7, 20267.49%▲ from 7.19%
- Sep 27, 20267.19%▲ from 6.85%
No additional details available.
Lowest available rates; based on purchase
States: AK, CO, ID, IN, MA, MI, OH, OR, PA, UT, VT, WA; Rate/term refinance; $250,000 conforming loan, owner-occupied, max 75% LTV, 740+ FICO, 60-day lock; includes 0.25% relationship/autopay discount; updated October 2, 2026
States: ME; Rate/term refinance; $250,000 conforming loan, owner-occupied, max 75% LTV, 740+ FICO, 60-day lock; includes 0.25% relationship/autopay discount; updated October 2, 2026
Maximum Loan to Value: 97%*
- Oct 11, 20267.58%▼ from 7.62%
- Oct 7, 20267.62%▲ from 7.58%
- Oct 3, 20267.58%▲ from 7.51%
- Oct 1, 20267.51%▲ from 7.47%
Conforming refinance mortgage; $300,000 loan amount; rates include 0.125% autopay and paperless discount; effective 10/19/2026
As Low As; Prepaid Fin. Charge: $5,264.68; $/1000: $6.99; Assumes $350,000 loan, 60% LTV, minimum FICO 720; 360 monthly payments; as of 10/19/2026 01:50 PM
Mortgage rates effective 10/05/26
Rates effective October 14, 2026; monthly payment per $1,000.00 not recorded as rate
- Oct 14, 20267.69%▼ from 7.81%
- Oct 1, 20267.81%▲ from 7.56%
- Sep 28, 20267.56%▲ from 7.30%
- Sep 24, 20267.30%▲ from 7.18%
Conforming mortgage; rates shown for select New York counties only
- Oct 20, 20267.69%▼ from 7.90%
- Oct 14, 20267.90%▼ from 7.90%
- Sep 27, 20267.90%first recorded
No additional details available.
- Oct 19, 20267.76%▼ from 8.01%
- Oct 14, 20268.01%▼ from 8.39%
- Oct 1, 20268.39%▲ from 7.64%
- Sep 27, 20267.64%▲ from 7.39%
No additional details available.
- Oct 19, 20267.79%▼ from 8.16%
- Oct 1, 20268.16%▲ from 7.66%
- Sep 27, 20267.66%▲ from 7.41%
- Sep 18, 20267.41%▲ from 7.16%
Poland 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; Non-jumbo; Comments: 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
1-4 Family Owner Occupied/Condominiums/Co-ops; Zero Points; Estimated payment on $220,000 loan; Owner occupied, 20% down
As Low As; Get peace of mind with predictable monthly payments. Both traditional and short-term options available.
- 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
No additional details available.
- Oct 13, 20266.51%▲ from 5.76%
- Sep 18, 20265.76%first recorded
APR as low as; APR based on $100,000 loan amount at 80% loan to value; Rates effective as of 10/15/2026
- Oct 19, 20266.51%▼ from 6.64%
- Oct 14, 20266.64%first recorded
Fixed Rate Mortgage; APR assumes a $250,000 loan amount, 65% LTV, and 780 FICO score
No additional details available.
- Oct 2, 20266.52%▲ from 6.40%
- Sep 25, 20266.40%▲ from 6.02%
- Sep 14, 20266.02%first recorded
Max Loan: $832,750; Advertised rates assume 760 credit score, minimum $150,000 loan amount
- Oct 1, 20266.67%▲ from 6.41%
- Sep 18, 20266.41%▲ from 6.15%
- Sep 15, 20266.15%first recorded
Conforming Home Loan Rates; Effective: 10/19/2026; Loan amounts up to $832,750 (single family/condo)
Payment is based on a $240,000 loan at 80% loan-to-value, purchase of a single-family residence; Interest Only Term: 0 Months
- Oct 19, 20266.70%▼ from 6.83%
- Sep 27, 20266.83%first recorded
Initial Rate; APR (as low as); Margin: 2.250%; Rate Change Frequency After Initial Period: Annually; Max Per Adj. Cap: 2.00%; Lifetime Cap: 5.00%; Index: 1 Yr - CMT; Floor: 3.00%; Monthly Pymt Ex: $898.83
Margin 2.250%; Rate change frequency after initial period: Annually; Max Per Adj. Cap 2.00%; Lifetime Cap 5.00%; Index 1 Yr - CMT; Floor 3.00%; Monthly Pymt Ex $898.83
- Oct 12, 20266.70%▼ from 6.72%
- Oct 2, 20266.72%▲ from 6.54%
- Sep 25, 20266.54%first recorded
States: CT; Rate/term refinance; $250,000 conforming loan, owner-occupied, max 75% LTV, 740+ FICO, 60-day lock; includes 0.25% relationship/autopay discount; updated October 2, 2026
As Low As; 15yr Mortgage homepage rate
Initial Rate; APR (as low as); Margin: 2.250%; Rate Change Frequency After Initial Period: Annually; Max Per Adj. Cap: 2.00%; Lifetime Cap: 5.00%; Index: 1 Yr - CMT; Floor: 3.00%; Monthly Pymt Ex: $905.83
Margin 2.250%; Rate change frequency after initial period: Annually; Max Per Adj. Cap 2.00%; Lifetime Cap 5.00%; Index 1 Yr - CMT; Floor 3.00%; Monthly Pymt Ex $905.83
- Oct 12, 20266.81%▼ from 6.82%
- Oct 2, 20266.82%▲ from 6.67%
- Sep 25, 20266.67%first recorded
Rates are as low as shown; APR=Annual Percentage Rate; actual rate may vary based on creditworthiness and down payment
- Oct 19, 20266.84%▼ from 6.96%
- Oct 10, 20266.96%first recorded
Lowest available rates; based on purchase
States: AK, CO, ID, IN, MA, MI, OH, OR, PA, UT, VT, WA; Rate/term refinance; $250,000 conforming loan, owner-occupied, max 75% LTV, 740+ FICO, 60-day lock; includes 0.25% relationship/autopay discount; updated October 2, 2026
States: ME; Rate/term refinance; $250,000 conforming loan, owner-occupied, max 75% LTV, 740+ FICO, 60-day lock; includes 0.25% relationship/autopay discount; updated October 2, 2026
No additional details available.
Monthly Payments per $1,000: $8.85
- Sep 27, 20266.89%▲ from 6.77%
- Sep 24, 20266.77%first recorded
Conforming refinance mortgage; $300,000 loan amount; rates include 0.125% autopay and paperless discount; effective 10/19/2026
Owner Occupied; Based on $100,000 mortgage at 80% LTV or less
Sunmark membership required; subject to credit approval
- 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%
No additional details available.
- Oct 19, 20266.97%▼ from 7.09%
- Oct 14, 20267.09%▼ from 7.22%
- Oct 1, 20267.22%▲ from 7.09%
- Sep 27, 20267.09%▲ from 6.84%
Owner Occupied; Based on $100,000 mortgage at 80% LTV or less
Rates effective as of 10/19/2026; APR assumes $300,000 loan, FICO 760+, LTV 80% or less, owner-occupied single-family in New York State, no cash-out
- Oct 19, 20267.00%▼ from 7.23%
- Oct 14, 20267.23%first recorded
Conforming mortgage; rates shown for select New York counties only
- Oct 20, 20267.01%▼ from 7.50%
- Oct 14, 20267.50%▲ from 7.39%
- Sep 27, 20267.39%first recorded
As Low As; Estimated monthly payment (P&I) $2,229.64; Excludes taxes and hazard insurance
As Low As
- Oct 1, 20267.11%▲ from 6.60%
- Sep 19, 20266.60%first recorded
Investment property (1-4 Family Residential Properties); 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
As Low As; Prepaid Fin. Charge: $8,553.13; $/1000: $8.85; Assumes $350,000 loan, 60% LTV, minimum FICO 720; 180 monthly payments; as of 10/19/2026 01:50 PM
Published rate range: 7.125%-8.125%. Business Loans; Non Owner Occupied; Zero Points; APR based on lowest rate
- Oct 15, 20267.16%▲ from 6.92%
- Oct 13, 20266.92%first recorded
Conforming refinance mortgage; rates shown for listed New York counties only; based on 80% LTV, credit score of 740, and 60-day lock period
- Oct 20, 20267.25%▼ from 7.50%
- Oct 14, 20267.50%▲ from 7.39%
- Sep 27, 20267.39%first recorded
Conforming mortgage refinance; rates shown for New York counties only (Bronx, Kings, New York, Orange, Queens, Richmond, Rockland, Westchester, Nassau, Suffolk, Erie); based on 80% LTV, credit score 740, 60-day lock
- Oct 20, 20267.25%▼ from 7.50%
- Oct 14, 20267.50%first recorded
Maximum Loan to Value: 97%*
- Oct 7, 20267.27%▲ from 7.15%
- Oct 3, 20267.15%▼ from 7.20%
- Oct 1, 20267.20%▲ from 7.08%
- Sep 27, 20267.08%first recorded
Rates effective October 14, 2026
- Oct 14, 20267.34%▼ from 7.61%
- Oct 1, 20267.61%▲ from 7.21%
- Sep 28, 20267.21%▲ from 7.09%
- Sep 24, 20267.09%▲ from 6.84%
Mortgage rates effective 10/05/26
No additional details available.
Jovia Financial is not the lender for FHA or VA products
- Oct 20, 20267.58%▼ from 7.69%
- Oct 14, 20267.69%▲ from 7.66%
- Oct 7, 20267.66%▲ from 7.51%
- Sep 15, 20267.51%first recorded
Jovia Financial is not the lender for FHA or VA products
Rate as low as 7.250%; APR as low as 8.088%; Estimated monthly payment (P&I) $2,282.16 (excludes taxes and hazard insurance); Payment example assumes NY Nassau/Suffolk primary residence, LTV 75% or less on purchase (70% or less on refinance), 60-day rate lock, credit score 780+; minimum loan amount $10,000, maximum $1,500,000; membership required with $5.00 savings account
Poland 5/1 ARM Mortgage Rates
Published rate range: 5.90 - 6.25. Initial Rate on First Lien Owner-Occupied Residential Real Estate (mortgage amounts of $500,000 or less); fixed for 5 years, then adjusts annually; coop apartment +0.5 points; second mortgage +1.5 points
As Low As; Type of First Mortgage
- Oct 19, 20266.00%▼ from 6.12%
- Oct 14, 20266.12%▼ from 6.25%
- Oct 1, 20266.25%▲ from 6.12%
- Sep 27, 20266.12%▲ from 5.87%
Published rate range: 6.00 - 6.35. Initial Rate on First Lien Owner-Occupied Residential Real Estate (mortgage amounts of $500,000 or less); fixed for 5 years, then adjusts every 5 years; coop apartment +0.5 points; second mortgage +1.5 points
Adjustable Rate Mortgage
- Oct 19, 20266.25%▼ from 7.03%
- Sep 14, 20267.03%first recorded
Type - LTV 80% or less; Purchase & Construction; Fixed for 5 years then changes every 12 months; Index: weekly average yield on US Treasury Bill - 5 years plus margin; rate never increases more than 6 percentage points over loan term; includes 0.25% discount for auto charge from a Jeff Bank deposit account
Variable rate; may change after account opening; APR=Annual Percentage Rate
First 5 years fixed; rate may adjust every year after initial period; owner-occupied primary residence loans of $15,000 - $1,000,000, up to 75% LTV; rate current as of 9/30/2026; lifetime rate cap of 6.00% above intro rate; rates discounted 0.25% with Trustco Auto Pay Program
- Oct 3, 20266.45%▲ from 6.20%
- Sep 15, 20266.20%first recorded
First Cap: +/- 2.00%; Subsequent Cap: +/- 1.00%; Lifetime Cap: +/- 5.00%; Effective: October 19, 2026; APR assumes $300,000 loan, FICO 760+, owner-occupied single-family in New York State, LTV 80% or less
Rates effective as of 10/19/2026; First Cap: +/- 2.00%; Subsequent Cap: +/- 1.00%; Lifetime Cap: +/- 5.00%; Fixed for first five years, then adjusts bi-annually based on SOFR
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 once every six months
1-4 Family Owner Occupied/Condominiums/Co-ops; Zero Points; Adjustable rate after initial 60-month period, can increase no more than 2 percentage points per adjustment, lifetime maximum adjustment 6%; Estimated payment on $220,000 loan; Owner occupied, 20% down
- Oct 15, 20266.68%▲ from 6.58%
- Oct 5, 20266.58%first recorded
As Low As; 5/6 ARM is a variable rate loan; APR assumes 20% down, 30 day rate lock and $200,000.00 loan amount; Real estate tax escrow required for loans under 20% down
As Low As; Rate adjustments may apply due to credit score, cash out, loan to value and occupancy status; APR assumes 20% down payment, 30 day rate lock and $200,000.00 loan amount; 5/6 ARM is a variable rate loan
Maximum Loan to Value 89%
No additional details available.
- Sep 27, 20266.72%▲ from 6.67%
- Sep 24, 20266.67%first recorded
Published rate range: 6.75 - 7.10. Initial Rate on First Lien Owner-Occupied Residential Real Estate (mortgage amounts of $500,000 or less); fixed for 15 years, then adjusts every 15 years; only for first-lien owner-occupied property of four units or less; coop apartment +0.5 points
Initial Rate; APR (as low as); Margin: 2.250%; Rate Change Frequency After Initial Period: Annually; Max Per Adj. Cap: 2.00%; Lifetime Cap: 5.00%; Index: 1 Yr - CMT; Floor: 3.00%; Monthly Pymt Ex: $648.60
Margin 2.250%; Rate change frequency after initial period: Annually; Max Per Adj. Cap 2.00%; Lifetime Cap 5.00%; Index 1 Yr - CMT; Floor 3.00%; Monthly Pymt Ex $648.60
- Oct 8, 20266.78%▲ from 6.76%
- Oct 2, 20266.76%▲ from 6.33%
- Sep 25, 20266.33%first recorded
Jumbo mortgage; New York only; 65% LTV, credit score 740, 60-day rate lock
- Oct 20, 20266.79%▼ from 6.83%
- Oct 14, 20266.83%▲ from 6.76%
- Oct 7, 20266.76%▲ from 6.75%
- Oct 1, 20266.75%first recorded
No additional details available.
- Oct 19, 20266.79%▼ from 7.04%
- Oct 14, 20267.04%▼ from 7.16%
- Oct 1, 20267.16%▲ from 6.91%
- Sep 27, 20266.91%▲ from 6.66%
Conform / Jumbo: Up to $806,500
- Oct 5, 20266.86%▲ from 6.57%
- Sep 14, 20266.57%first recorded
As Low As; Initial fixed period 5 years; Estimated Monthly Payment (P & I) $1,580.17; Rate assumes NY property, LTV 75% or less, credit score 780 or above
- Oct 20, 20266.86%▼ from 6.90%
- Oct 14, 20266.90%first recorded
No additional details available.
- Oct 19, 20266.87%▼ from 7.12%
- Oct 14, 20267.12%▼ from 7.25%
- Oct 1, 20267.25%▲ from 7.00%
- Sep 27, 20267.00%▲ from 6.75%
Payment is based on a $240,000 loan at 80% loan-to-value, purchase of a single-family residence; Fully Indexed Rate: 7.315%; Maximum Interest Rate: 10.875%; Months to First Rate Adjustment: 60 Months; Interest Only Term: 0 Months
- Oct 19, 20266.93%▲ from 6.83%
- Sep 27, 20266.83%▲ from 6.78%
- Sep 18, 20266.78%first recorded
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 cap +/-5%; floor 2.50%; margin 2.50%; rates as of 10/13/2026
- Oct 14, 20266.96%▲ from 6.92%
- Oct 8, 20266.92%first recorded
As Low As; Payment: 1,438.92
As Low As; Type: 5/1/30; NY ONLY - APR* as low as (0 pts.)
As Low As; Prepaid Fin. Charge: $2,485.94; ARM fixed for 5 years then adjusts every 5 years; 30-year term; Assumptions: Loan Amount $350,000, 60% loan-to-value, minimum FICO of 720
- Oct 14, 20267.01%▲ from 6.73%
- Oct 1, 20266.73%▲ from 6.65%
- Sep 15, 20266.65%first recorded
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 adjust every 1 year; Prepaid Fin. Charge: $3,126.91; $/1000: $6.08; APR adjusts based on 1 Year CMT; Assumes $350,000 loan, 60% LTV, minimum FICO 720; as of 10/19/2026 01:50 PM
No additional details available.
Conform / Jumbo: Over $806,500
- Oct 5, 20267.06%▲ from 6.74%
- Sep 14, 20266.74%first recorded
As Low As; Home Loans
- Oct 15, 20267.08%▲ from 6.91%
- Oct 13, 20266.91%first recorded
As Low As; Prepaid Fin. Charge: $2,521.18; ARM fixed for 5 years then adjusts every 5 years; 30-year term; Assumptions: Loan Amount $350,000, 60% loan-to-value, minimum FICO of 720
- Oct 14, 20267.09%▲ from 6.81%
- Oct 1, 20266.81%▲ from 6.73%
- Sep 15, 20266.73%first recorded
As Low As; Type: 5/1/30; APR* as low as (0 pts.)
Investment property (1-4 Family Residential Properties); 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
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
Initial rate marked with *; 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; Floor set at initial interest rate; APR may increase after loan consummation
Real estate APR based on $165,000 conventional loan
No additional details available.
Cap Per Adj: 1.50%; Lifetime Cap: 12.500%; Margin: 2.75%
Cap Per Adj: 1.50%; Lifetime Cap: 12.500%; Margin: 2.75%
- Oct 7, 20267.19%▲ from 7.11%
- Sep 24, 20267.11%first recorded
No additional details available.
No additional details available.
Adjustable Rate Mortgages; rates are the lowest available, actual rate based on creditworthiness; rate lock 45 days
5/1 ARM; Cap Per Adj 1.50%; Lifetime Cap 12.500%; Margin 3.00%; Floor set at initial interest rate; Payment per $1,000 based on maximum term of 30 years
Cap Per Adj 1.50%; Lifetime Cap 12.500%; Margin 3.00%; Monthly P & I Payment per $1,000 $6.32; Payment based on maximum term of 30 years; Floor set at initial interest rate; APR may increase after loan consummation
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
Maximum Loan to Value 89%
Poland 30-Year Jumbo Mortgage Rates
Jumbo loan, amounts from $832,751-$2,000,000; rates effective 10/19/2026; APR (As Low As)
- Oct 19, 20266.64%▲ from 6.26%
- Sep 22, 20266.26%first recorded
As Low As; Adjustable-rate mortgage loans; Rates as of Oct 19, 2026 ET
- Oct 20, 20266.83%▼ from 6.87%
- Oct 6, 20266.87%▲ from 6.77%
- Sep 30, 20266.77%first recorded
Jumbo loan, amounts from $832,751-$2,000,000; rates effective 10/19/2026; APR (As Low As)
- Oct 19, 20267.01%▲ from 6.76%
- Sep 22, 20266.76%first recorded
Jumbo loan, amounts from $832,751-$2,000,000; rates effective 10/19/2026; APR (As Low As)
- Oct 19, 20267.14%▲ from 6.89%
- Sep 22, 20266.89%first recorded
As Low As; Prepaid Fin. Charge: $4,662.50; $/1000: $6.49; Loan Amount: $600,000, 60% LTV, Minimum FICO 720
As Low As; Prepaid Fin. Charge: $4,541.67; $/1000: $6.32; Loan Amount: $600,000, 60% LTV, Minimum FICO 720
Jumbo loan; rates are as low as shown; APR=Annual Percentage Rate
- Oct 19, 20267.27%▼ from 7.39%
- Oct 10, 20267.39%first recorded
Jumbo loan; advertised rate assumes single-family primary residence, 720 FICO, 20% down; Rates as of Oct 19, 2026 ET
** Payment is based on a $726,300 loan at 80% loan-to-value, purchase of a single-family residence; Interest Only Term: 0 Months
- Oct 19, 20267.40%▲ from 7.02%
- Sep 18, 20267.02%first recorded
Jumbo; Rates effective October 16, 2026
- Oct 19, 20267.60%▼ from 7.63%
- Oct 13, 20267.63%first recorded
No additional details available.
As Low As; Exclusive for Servicemembers, Reservists and Veterans who have exhausted their VA loan benefit; no down payment required; assumes single-family primary residence, 720 FICO, 0% down
Advertised rate assumes single-family primary residence, 720 FICO, 0% down payment; Rates as of Oct 19, 2026 ET
- Oct 20, 20268.48%▼ from 8.61%
- Oct 1, 20268.61%first recorded
As Low As; Prepaid Fin. Charge: $6,454.07; $/1000: $8.96; Loan Amount: $600,000, 60% LTV, Minimum FICO 720
Poland 15-Year Jumbo Mortgage Rates
Jumbo loan; rates are as low as shown; APR=Annual Percentage Rate
- Oct 19, 20266.40%▼ from 6.53%
- Oct 10, 20266.53%first recorded
Jumbo loan; advertised rate assumes single-family primary residence, 720 FICO, 20% down; Rates as of Oct 19, 2026 ET
Jumbo; Rates effective October 16, 2026
- Oct 19, 20267.20%▼ from 7.23%
- Oct 13, 20267.23%first recorded
As Low As; Prepaid Fin. Charge: $5,668.75; $/1000: $9.92; Loan Amount: $600,000, 60% LTV, Minimum FICO 720
Poland 5/1 Jumbo ARM Mortgage Rates
As Low As; Adjustable-rate mortgage loans; Rates as of Oct 19, 2026 ET
- Oct 20, 20266.78%▼ from 6.83%
- Oct 6, 20266.83%▲ from 6.75%
- Sep 30, 20266.75%first recorded
As Low As; Prepaid Fin. Charge: $4,481.25; $/1000: $6.24; Loan Amount: $600,000, 60% LTV, Minimum FICO 720
Poland FHA Loan Rates
No additional details available.
Lowest available rates; based on purchase
Jovia Financial is not the lender for FHA or VA products
Jovia Financial is not the lender for FHA or VA products
- Oct 20, 20267.82%▼ from 8.34%
- Oct 14, 20268.34%▲ from 7.82%
- Oct 7, 20267.82%▲ from 7.31%
- Sep 15, 20267.31%first recorded
Jovia Financial is not the lender for FHA or VA products
Rate as low as 7.250%; APR as low as 8.058%; Estimated monthly payment (P&I) $1,705.44 (excludes taxes and hazard insurance); Payment example assumes NY Nassau/Suffolk primary residence, LTV 75% or less on purchase (70% or less on refinance), 60-day rate lock, credit score 780+; minimum loan amount $10,000, maximum $1,500,000; membership required with $5.00 savings account
Rate as low as 7.250%; APR as low as 8.088%; Estimated monthly payment (P&I) $2,282.16 (excludes taxes and hazard insurance); Payment example assumes NY Nassau/Suffolk primary residence, LTV 75% or less on purchase (70% or less on refinance), 60-day rate lock, credit score 780+; minimum loan amount $10,000, maximum $1,500,000; membership required with $5.00 savings account
No additional details available.
- Oct 20, 20268.20%▼ from 8.33%
- Oct 11, 20268.33%▼ from 8.71%
- Oct 1, 20268.71%▲ from 8.33%
- Sep 27, 20268.33%▲ from 8.06%
Poland VA Loan Rates
As Low As; Rates as of Oct 19, 2026 ET. Rates subject to change. Available exclusively to eligible Servicemembers, Veterans and their spouses. No down payment is required.
As Low As; Rates as of Oct 19, 2026 ET. Rates subject to change. Available exclusively to eligible Servicemembers, Veterans and their spouses. No down payment is required.
Jovia Financial is not the lender for FHA or VA products
- Oct 20, 20267.58%▼ from 7.69%
- Oct 14, 20267.69%▲ from 7.66%
- Oct 7, 20267.66%▲ from 7.51%
- Sep 15, 20267.51%first recorded
No additional details available.
- Oct 19, 20267.79%▼ from 8.16%
- Oct 1, 20268.16%▲ from 7.66%
- Sep 27, 20267.66%▲ from 7.41%
- Sep 18, 20267.41%▲ from 7.16%
Jovia Financial is not the lender for FHA or VA products
- Oct 20, 20267.96%▼ from 7.99%
- Oct 14, 20267.99%▲ from 7.96%
- Oct 7, 20267.96%▲ from 7.19%
- Sep 15, 20267.19%first recorded
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Poland, NY Mortgage Rate Trends
Compare local Poland, 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 0.042 points over the past 7 days to 7.406%.
New York 15-year fixed rates fell 0.030 points over the past 7 days to 6.993%.
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 Poland, NY Home Buyers
Monthly principal & interest payment on Poland, NY median home of $129,200 (20% down, 30-year fixed, city-level Census ACS median)
| Scenario | Rate | Mo. Payment | vs. Today | % of Income |
|---|---|---|---|---|
| Today (NY avg) | 7.406% | $716 | 14% | |
| 6-Month Forecast | 7.406% (7.06, 7.71%) | $716 | +$0/mo | 14% |
| 12-Month Forecast | 7.656% (7.31, 7.96%) | $734 | +$18/mo | 14.4% |
Income column = annual mortgage payment as % of Poland, NY median household income ($61,250). Above 30% is generally considered cost-burdened.
MonitorBankRates Housing Affordability Index (MBR-HAI)
A daily-updated affordability score for Poland, New York , computed from local Census Bureau data combined with current New York mortgage rates.
What This Score Means for Poland, New York Home Buyers
With a score of 137.1, Poland, New York is 39.9 points more affordable than the national average of 97.2. The area’s median home value of $129,200 against a median household income of $61,250 produces a price-to-income ratio of 2.1x , relatively affordable compared to national levels. At the current New York mortgage rate of 7.406%, a buyer purchasing the median-priced home with 20% down would carry a monthly payment of approximately $716 in principal and interest.
Beyond the mortgage payment, the median total monthly owner cost in this area is $779, covering mortgage, property taxes, insurance, and utilities. Property taxes alone average $200/month ($2,395/year). 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 Poland, New York
Poland, New York Housing Market Overview
According to the U.S. Census Bureau, the median owner-occupied home value in Poland, New York is approximately $129,200. 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.
Poland, New York Homeownership Rate
With a homeownership rate of 52.4%, significantly below the national average of 65.7%, Poland, 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 Poland, 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 $100,000 mortgage, based on a 20% down payment on the Poland, New York median home value.
| Interest Rate | Loan Term | Monthly Payment | Total Interest Paid |
|---|---|---|---|
| 6.906% | 30-year fixed | $659 | $137,241 |
| 7.406% Current Avg | 30-year fixed | $693 | $149,404 |
| 7.906% | 30-year fixed | $727 | $161,800 |
| 6.993% | 15-year fixed | $898 | $61,719 |
A 0.500% rate increase on a $100,000 loan adds roughly $34 per month and over $12,396 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 Poland, 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.
Poland, New York Income & Housing Affordability
At a price-to-income ratio of 2.1x, Poland, New York is a relatively affordable housing market compared to national averages. 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 Poland, New York Buyers
With a median household income of $61,250 per year in Poland, New York ($5,104/month) and a median home value of approximately $129,200, a buyer financing at 80% LTV at the current average rate would commit roughly 13.6% of gross monthly income to principal and interest alone. that falls within a manageable range relative to income, though taxes, insurance, HOA fees, and PMI will add to the true monthly cost of ownership.
Compared to the New York statewide price-to-income ratio of 4.9x, Poland is more affordable relative to local incomes than the New York average, a relative bright spot for buyers within the state. 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 Poland, 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 Poland, 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 Poland, New York, the median homeowner with a mortgage pays approximately $779/month in total housing costs, covering the mortgage payment, property taxes, insurance, and utilities. The median renter pays $782/month including utilities. In this market, owning costs less per month than renting, a compelling financial case for buyers who can qualify for financing. Property taxes alone account for $200/month of the ownership cost, a figure that can vary dramatically by location and is often underestimated by first-time buyers.
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 Poland, New York, 8.2% of homeowners with mortgages are cost burdened and 56.4% of renters are cost burdened. Renters face significantly higher burden rates than owners, a pattern that often reflects lower renter incomes rather than lower rental costs, and one that can make the path from renting to owning financially difficult even when mortgage payments might be affordable. The 8.2% owner burden rate is below the national average of 28.0%, suggesting this market offers relatively manageable ownership costs relative to local incomes.
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.
Poland, New York Mortgage Payment Calculator
See your estimated monthly principal & interest payment at today’s Poland, 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 Poland, New York Home Loan
Rates are only part of the equation. Use these calculators to translate current Poland, 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 Poland, 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 Poland, New York.
CalculateTypes of Mortgages Available in Poland, New York
Not every loan program is right for every buyer in Poland, 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 Poland, 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 Poland, 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 Poland, 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 Poland, 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 Poland, 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 Poland, 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 Poland, 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.
How a Mortgage Works in Poland, New York
A mortgage is a loan used to buy a home in Poland, 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-Rate vs. Adjustable-Rate Mortgages for Poland, New York Buyers
A fixed-rate mortgage keeps the same interest rate for the entire term, so a Poland, New York homeowner’s principal-and-interest payment never changes. For example, Hudson River Community Credit Union is listing a Mortgage - 30-year fixed at 6.50%. 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 Poland, New York borrowers who expect to move or refinance before that point. On the adjustable-rate side, Brooklyn Cooperative Federal Credit Union is listing a 5/1 Adjustable Rate Mortgage at 5.90%.
How Poland, New York 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 in Poland, New York
The interest rate is not the only cost of buying a home in Poland, 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 Poland, New York shoppers account for these costs when weighing lenders.
When Poland, New York Homeowners Should 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 Poland, 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 Poland, New York refinance rates from local lenders are listed on our refinance page.
Frequently Asked Questions about Mortgage Rates in Poland, New York
What are home loan rates in Poland, NY today?
How does my credit score affect my rate in New York?
What is a 30-Year Fixed Mortgage?
What are closing costs in New York?
Should I lock my mortgage rate?
What is an Adjustable-Rate Mortgage (ARM)?
What is a Jumbo Loan in Poland, New York?
Do I need 20% down to buy a house in New York?
What is the difference between Interest Rate and APR?
How do I compare mortgage lenders in Poland, New York?
How do I get mortgage quotes in Poland, New York?
What is the median home value in Poland, New York?
What is the homeownership rate in Poland, New York?
What is the conforming loan limit in Poland, New York?
What is the median monthly cost of homeownership in Poland, New York?
What are the median property taxes in Poland, New York?
What is the median rent in Poland, New York?
What percentage of homeowners are cost burdened in Poland, New York?
What percentage of renters are cost burdened in Poland, New York?
What are the best Mortgage rates in Poland, New York?
- Hudson River Community Credit Union: 6.50% (Mortgage - 30-year fixed)
- SUMA Federal Credit Union: 6.50% (30 Year Fixed Mortgage)
- Ukrainian National Federal Credit Union: 6.625% (First Mortgage - Residential Conforming 30 Year Fixed)
- Sunmark Credit Union: 6.75% (Conventional 30-Year Fixed)
- Beginnings Credit Union: 7.00% (Residential Mortgage - 30 Year Fixed)
Poland, New York Rates & Resources
