Brisbin, Pennsylvania Mortgage Rates - October 2026
Brian McKay
Brian McKay
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Brisbin, Pennsylvania mortgage rates from lenders serving Pennsylvania range from 5.00% to 9.99%, verified by MonitorBankRates as of October 14, 2026. Current 30-year fixed mortgage rates for Brisbin, Pennsylvania borrowers from lenders serving Pennsylvania include Hill District Federal Credit UnionHill District Federal Credit UnionC+4.2 ★Texas Ratio: 25.14% at 5.75%, JTNBJTNBA+5.0 ★Texas Ratio: 0.00% at 5.85%, Riverfront Federal Credit UnionRiverfront Federal Credit UnionA+5.0 ★Texas Ratio: 4.11% at 5.97%, Harleysville BankHarleysville BankA+5.0 ★Texas Ratio: 1.05% at 6.25%, and NORTHWOODNORTHWOODA+5.0 ★Texas Ratio: 1.02% at 6.49%. Mortgage rates as of October 14, 2026 according to verified data from MonitorBankRates.
Brisbin borrowers can compare 165 mortgage rates from 41 lenders serving the Pennsylvania area, with mortgage rates as low as 5.75% from Hill District Federal 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 Pennsylvania borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: October 14, 2026
Compare Mortgage Rates Today in Brisbin, Pennsylvania & the Surrounding Area
Brisbin 30 Year Fixed Mortgage Rates
Est.; Borrowing member must maintain a share account of at least 1% of the financed amount
Term: 30 Year Fixed (or 360 monthly payments)
- Oct 12, 20265.92%▼ from 6.42%
- Oct 8, 20266.42%first recorded
APR based on $100,000 loan amount; rates posted are indications only and subject to change without notice
No additional details available.
- Oct 7, 20266.26%▼ from 7.01%
- Oct 1, 20267.01%▲ from 6.64%
- Sep 19, 20266.64%▲ from 5.64%
- Sep 15, 20265.64%first recorded
As Low As; Finance up to 80% of appraised property value; proof of homeowners insurance required; loan rates subject to change
No additional details available.
- Oct 1, 20266.69%▲ from 6.18%
- Sep 27, 20266.18%▲ from 6.03%
- Sep 15, 20266.03%first recorded
No additional details available.
- Oct 12, 20266.77%▲ from 6.51%
- Oct 8, 20266.51%first recorded
No additional details available.
- Oct 1, 20266.77%▲ from 6.27%
- Sep 27, 20266.27%▲ from 6.12%
- Sep 15, 20266.12%first recorded
No additional details available.
- Oct 11, 20266.89%▲ from 6.76%
- Oct 7, 20266.76%first recorded
No additional details available.
- Oct 12, 20266.89%▲ from 6.64%
- Oct 1, 20266.64%▲ from 6.52%
- Sep 16, 20266.52%first recorded
No additional details available.
Rate Lock: 60 days
- Oct 7, 20267.11%▲ from 6.48%
- Sep 15, 20266.48%first recorded
As Low As; Rate shown based on loan amount $125,000.00 to $149,999.00 with no points and maximum Loan to Value of 95% for purchase or refinance of a single family, first lien, owner-occupied property
- Oct 2, 20267.13%▲ from 6.75%
- Sep 16, 20266.75%first recorded
No additional details available.
- Oct 11, 20267.14%▲ from 7.01%
- Oct 1, 20267.01%▲ from 6.76%
- Sep 24, 20266.76%▲ from 6.51%
- Sep 15, 20266.51%first recorded
No additional details available.
- Oct 11, 20267.17%▲ from 7.16%
- Oct 1, 20267.16%▲ from 7.03%
- Sep 27, 20267.03%▲ from 6.78%
- Sep 19, 20266.78%first recorded
As Low As; Fixed, FHA, Refinance
- Oct 13, 20267.19%▲ from 6.74%
- Oct 1, 20266.74%first recorded
No additional details available.
- Oct 8, 20267.22%▲ from 7.10%
- Oct 1, 20267.10%▲ from 6.97%
- Sep 24, 20266.97%▲ from 6.72%
- Sep 16, 20266.72%first recorded
Rate Lock: 60 days
- Oct 11, 20267.26%▼ from 7.27%
- Oct 7, 20267.27%▲ from 6.64%
- Sep 15, 20266.64%first recorded
Effective Date: October 14, 2026; Excellent credit history (credit score > 780); Single Family Primary Residence with 20% down; Based on $200,000 loan amount and $250,000 estimated value; Auto pay from Fidelity Bank checking required, otherwise rate .25% higher
No additional details available.
- Oct 1, 20267.32%▲ from 7.18%
- Sep 27, 20267.18%▲ from 6.93%
- Sep 19, 20266.93%first recorded
Loan Amount: $0 - $832,750; Single Family, Owner Occupied Properties
Conforming mortgage loan amounts from $50,000 to $832,750; effective 10/09/2026
As Low As; Rates effective starting: October 13, 2026
Owner Occupied
As Low As; Homepage promo card; Rates as low as 7.405% APR
- Oct 14, 20267.41%▼ from 7.53%
- Oct 10, 20267.53%▲ from 7.41%
- Oct 6, 20267.41%▲ from 7.13%
- Sep 27, 20267.13%▲ from 7.03%
No additional details available.
Monthly payment example:; 720 minimum credit score required; Conventional financing only; APR assumes $100,000+ loan amount and 80% LTV
Owner Occupied
- Oct 12, 20267.42%▲ from 6.79%
- Sep 17, 20266.79%▲ from 6.67%
- Sep 14, 20266.67%first recorded
Keystone Home Loan Program; APRs based on 5% down payment; program minimum credit score 660; APR reflects 60-day rate lock
- Oct 1, 20267.42%▲ from 7.17%
- Sep 27, 20267.17%▲ from 7.04%
- Sep 24, 20267.04%▲ from 6.79%
- Sep 15, 20266.79%first recorded
Fixed-rate mortgage; rate lock 60 days; assumed credit score 740; escrow account required
- Oct 2, 20267.44%▲ from 7.19%
- Sep 27, 20267.19%first recorded
Rates last updated 10/13/2026
- Oct 14, 20267.44%▼ from 7.57%
- Oct 7, 20267.57%first recorded
As Low As; Amount (In Thousands): $150 & Under
Points: 3%
- Sep 17, 20267.50%▲ from 6.93%
- Sep 14, 20266.93%first recorded
Today's Mortgage Rates; Apply Now
Points: 1%
- Sep 17, 20267.55%▲ from 6.93%
- Sep 14, 20266.93%first recorded
Properties located within Pennsylvania; APR based on $125,000 loan with 20% down payment for single-family principal residence; payment does not include taxes and insurance; APR reflects interest rate lock for 45 days
Points: 0%
- Sep 17, 20267.57%▲ from 6.93%
- Sep 14, 20266.93%first recorded
As Low As; Amount (In Thousands): $401 & Over
Pennsylvania residential loans only; APR based on $125,000 loan with 20% down for single-family primary residence; interest rate lock 60 days; 10% minimum down payment required for all construction loans; payment does not include taxes and insurance
- Oct 14, 20267.63%▼ from 7.64%
- Sep 19, 20267.64%▲ from 7.52%
- Sep 15, 20267.52%first recorded
Conventional Fannie Mae Mortgage; Origination Fee or Lender Credit: -0.393%
- Oct 12, 20267.67%▼ from 7.80%
- Oct 4, 20267.80%▲ from 7.54%
- Oct 2, 20267.54%▲ from 7.41%
- Sep 25, 20267.41%▲ from 7.16%
Refinance; Based on $300,000 loan amount; Rates include 0.125% autopay and paperless discount
- Oct 14, 20267.72%▲ from 7.34%
- Sep 15, 20267.34%first recorded
FHA/VA Loans
- Oct 12, 20267.76%▲ from 7.63%
- Oct 4, 20267.63%▼ from 7.76%
- Oct 2, 20267.76%▲ from 7.25%
- Sep 25, 20267.25%▲ from 7.13%
Conforming Mortgage Rates; APR based on $350,000, 25% down; Minimum Down: 5%
- Oct 7, 20267.79%▲ from 6.91%
- Sep 15, 20266.91%first recorded
No additional details available.
FHA/VA Loans
- Oct 12, 20267.81%▲ from 7.76%
- Oct 2, 20267.76%▲ from 7.63%
- Sep 25, 20267.63%▲ from 7.43%
- Sep 17, 20267.43%first recorded
FHA/VA Loans
- Oct 12, 20267.89%▲ from 7.86%
- Oct 2, 20267.86%▲ from 7.73%
- Sep 25, 20267.73%▲ from 7.48%
- Sep 17, 20267.48%first recorded
No additional details available.
- Oct 7, 20267.93%▲ from 7.53%
- Sep 15, 20267.53%first recorded
No additional details available.
- Oct 7, 20268.12%▲ from 7.87%
- Oct 1, 20267.87%▲ from 6.48%
- Sep 19, 20266.48%▼ from 7.49%
- Sep 15, 20267.49%first recorded
No additional details available.
Conventional Fannie Mae Mortgage; Origination Fee or Lender Credit: -0.391%
- Oct 12, 20268.17%▲ from 8.05%
- Oct 8, 20268.05%▼ from 8.31%
- Oct 4, 20268.31%▲ from 8.30%
- Oct 2, 20268.30%▲ from 7.67%
Brisbin 15 Year Fixed Mortgage Rates
Term: 15 Year Fixed (or 180 monthly payments)
- Oct 12, 20265.36%▼ from 5.86%
- Oct 8, 20265.86%first recorded
APR based on $100,000 loan amount; rates posted are indications only and subject to change without notice
Est.; Borrowing member must maintain a share account of at least 1% of the financed amount
As Low As; Finance up to 80% of appraised property value; proof of homeowners insurance required; loan rates subject to change
No additional details available.
- Oct 1, 20266.20%▲ from 5.70%
- Sep 15, 20265.70%first recorded
No additional details available.
- Oct 12, 20266.26%▲ from 6.00%
- Oct 8, 20266.00%first recorded
No additional details available.
- Oct 1, 20266.35%▲ from 5.85%
- Sep 15, 20265.85%first recorded
No additional details available.
- Oct 12, 20266.40%▲ from 6.15%
- Oct 1, 20266.15%▲ from 6.03%
- Sep 16, 20266.03%first recorded
Conforming mortgage loan amounts from $50,000 to $832,750; effective 10/09/2026
No additional details available.
- Oct 11, 20266.49%▼ from 6.62%
- Sep 27, 20266.62%▲ from 6.24%
- Sep 19, 20266.24%first recorded
No additional details available.
No additional details available.
- Sep 27, 20266.71%▲ from 6.46%
- Sep 24, 20266.46%▲ from 6.34%
- Sep 19, 20266.34%first recorded
No additional details available.
- Oct 11, 20266.72%▲ from 6.59%
- Oct 1, 20266.59%▲ from 6.34%
- Sep 24, 20266.34%▲ from 6.08%
- Sep 15, 20266.08%first recorded
Rate Lock: 120 days
- Oct 7, 20266.77%▲ from 5.90%
- Sep 15, 20265.90%first recorded
Loan Amount: $0 - $832,750; Single Family, Owner Occupied Properties
Conventional Fannie Mae Mortgage; Origination Fee or Lender Credit: 0.000%
- Sep 25, 20266.81%▲ from 6.44%
- Sep 16, 20266.44%first recorded
Origination Fee or Lender Credit: 0.000%
- Oct 12, 20266.83%▲ from 6.70%
- Oct 8, 20266.70%first recorded
No additional details available.
Owner Occupied
- Oct 12, 20266.94%▲ from 6.32%
- Sep 17, 20266.32%▲ from 6.19%
- Sep 14, 20266.19%first recorded
Refinance; Based on $300,000 loan amount; Rates include 0.125% autopay and paperless discount
Owner Occupied
Monthly payment example:; 720 minimum credit score required; Conventional financing only; APR assumes $100,000+ loan amount and 80% LTV
Rates last updated 10/13/2026
- Oct 14, 20267.06%▲ from 6.94%
- Oct 7, 20266.94%first recorded
Conforming Mortgage Rates; APR based on $350,000, 25% down; Minimum Down: 5%
- Oct 7, 20267.07%▼ from 7.69%
- Sep 15, 20267.69%first recorded
As Low As; Rates effective starting: October 13, 2026
Annual Percentage Rates (APR) current as of October 14, 2026; Rates apply to properties located within Pennsylvania; Based on $125,000 loan with 20% down; Interest rate lock 45 days
- Oct 7, 20267.17%▲ from 6.67%
- Sep 15, 20266.67%first recorded
Effective Date: October 14, 2026; Excellent credit history (credit score > 780); Single Family Primary Residence with 20% down; Based on $200,000 loan amount and $250,000 estimated value; Auto pay from Fidelity Bank checking required, otherwise rate .25% higher
No additional details available.
Points: 0%
- Sep 17, 20267.26%▲ from 6.62%
- Sep 14, 20266.62%first recorded
Points: 1%
- Sep 17, 20267.30%▲ from 6.62%
- Sep 14, 20266.62%first recorded
No additional details available.
- Oct 7, 20267.34%▲ from 7.00%
- Sep 15, 20267.00%first recorded
Monthly payment per $1,000: $9.06; Residential loans within Pennsylvania; APR based on $125,000 loan with 20% down; 60-day rate lock; 10% minimum down payment required for all construction loans
- Oct 7, 20267.36%▲ from 7.23%
- Sep 27, 20267.23%▲ from 6.98%
- Sep 24, 20266.98%▲ from 6.85%
- Sep 15, 20266.85%first recorded
Points: 3%
- Sep 17, 20267.38%▲ from 6.62%
- Sep 14, 20266.62%first recorded
Today's Mortgage Rates; Apply Now
As Low As
FHA/VA Loans
No additional details available.
- Oct 7, 20267.69%▼ from 8.19%
- Oct 1, 20268.19%▲ from 7.81%
- Sep 15, 20267.81%first recorded
Conventional Fannie Mae Mortgage; Origination Fee or Lender Credit: 0.310%
- Oct 12, 20267.75%▲ from 7.72%
- Oct 8, 20267.72%▲ from 7.68%
- Oct 4, 20267.68%▼ from 7.69%
- Oct 2, 20267.69%▼ from 7.72%
FHA/VA Loans
No additional details available.
- Oct 7, 20267.77%▲ from 7.27%
- Oct 1, 20267.27%▲ from 5.90%
- Sep 19, 20265.90%▼ from 7.15%
- Sep 15, 20267.15%first recorded
As Low As; Investment property loan
Type: Conforming; 0 Points Rate
No additional details available.
As Low As; Investment property loan
APR based on $850,000, 25% down; Minimum Down: 20%; Time Initial Rate is Fixed: n/a; Adjustment After Initial Period: n/a; First Adjusted Interest Rate: n/a; Max Lifetime Cap: n/a
- Oct 7, 20268.57%▲ from 7.69%
- Sep 15, 20267.69%first recorded
Residential loans within Pennsylvania; APRs based on $125,000 loan with 25% down payment for purchase or limited cash-out refinance of a buildable lot; 25% minimum down payment required for all lot loans; loan amounts up to $500,000; APR assumes 60-day rate lock; Monthly Payment per $1,000: $9.92
- Oct 7, 20269.03%▲ from 8.91%
- Sep 27, 20268.91%▲ from 8.66%
- Sep 19, 20268.66%▲ from 8.53%
- Sep 15, 20268.53%first recorded
Brisbin 5/1 ARM Mortgage Rates
As Low As; ARM 5/1; Rates subject to increase or decrease after Initial Fixed Period; Loans over $832,750 may be subject to different rates; Borrower must qualify for Credit Union membership
As Low As; ARM 5/5 (15-year term)
As Low As; Rate Description: 5/1; Rates are subject to change daily. Please contact Credit Union for additional program options.
As Low As; ARM 5/5 (20-year term)
As Low As; 5/6 ARM is a variable rate loan; APR assumes 20% down payment, 30 day rate lock and $200,000 loan amount
As Low As; ARM 5/5 (30-year term)
As Low As; Home Loans
No additional details available.
- Sep 27, 20266.97%▲ from 6.79%
- Sep 24, 20266.79%▲ from 6.67%
- Sep 19, 20266.67%first recorded
No additional details available.
- Sep 27, 20266.97%▲ from 6.80%
- Sep 24, 20266.80%▲ from 6.67%
- Sep 19, 20266.67%first recorded
As Low As; Rates and APRs effective October 2, 2026; Adjustable-rate mortgage; Conforming loan amounts from $50,000 to $832,750
Interest Rate 6.500%; APR 7.159%
Adjustable rate mortgage
As Low As; Fixed for first 5 years, then adjusts annually over 30-year term
Fixed for first 5 years, then adjusts annually; 3.00% margin over CMT Index; 2/2/6 cap structure; 30-year amortization; maximum lifetime rate 12.500%; floor 3.00%
caps 2% / 4% life; Rate Lock: 120 days
- Oct 7, 20267.18%▲ from 6.62%
- Sep 15, 20266.62%first recorded
caps 2% / 4% life; Rate Lock: 120 days
- Oct 7, 20267.18%▲ from 6.62%
- Sep 15, 20266.62%first recorded
APRs current as of October 14, 2026; residential loans within Pennsylvania; based on $125,000 loan with 20% down; interest rate lock for 60 days; Index: 1-year U.S. Treasury; Caps 2/2/5; Margin 2.750%; Floor 2.750%
- Oct 7, 20267.19%▲ from 7.01%
- Oct 2, 20267.01%▼ from 7.10%
- Oct 1, 20267.10%▲ from 6.99%
- Sep 27, 20266.99%▲ from 6.97%
APR based on $850,000, 25% down; Minimum Down: 10%; Time Initial Rate is Fixed: 5 Yrs.; Adjustment After Initial Period: 6 Months; First Adjusted Interest Rate: 6.875%; Max Lifetime Cap: 12.875%
- Oct 7, 20267.41%▲ from 7.38%
- Sep 15, 20267.38%first recorded
Conforming Mortgage Rates; APR based on $350,000, 25% down; Minimum Down: 5%; Time Initial Rate is Fixed: 5 Yrs.; Adjustment After Initial Period: 6 Months; First Adjusted Interest Rate: 6.875%; Max Lifetime Cap: 12.875%
- Oct 7, 20267.43%▲ from 7.38%
- Sep 15, 20267.38%first recorded
Initial Fixed Rate Period: 5 Years; First Adjusted Rate: 7.27%
- Oct 8, 20267.55%▲ from 7.18%
- Oct 1, 20267.18%▲ from 7.14%
- Sep 24, 20267.14%▲ from 6.89%
- Sep 16, 20266.89%first recorded
As Low As; Fixed for 60 months (5 years); Monthly Cost Per $10,000: $64.86; Rates effective starting October 13, 2026
- Oct 9, 20267.61%▲ from 7.08%
- Sep 29, 20267.08%▲ from 6.93%
- Sep 17, 20266.93%▲ from 6.69%
- Sep 14, 20266.69%first recorded
As Low As; Monthly Cost Per $10,000: $67.37; Rates effective starting October 13, 2026
- Oct 9, 20267.62%▲ from 7.57%
- Sep 29, 20267.57%▲ from 7.33%
- Sep 17, 20267.33%▲ from 6.94%
- Sep 14, 20266.94%first recorded
caps 2% / 4% life
- Oct 7, 20268.18%▲ from 7.93%
- Oct 1, 20267.93%▲ from 7.51%
- Sep 15, 20267.51%first recorded
caps 2% / 4% life
- Oct 7, 20268.18%▲ from 7.93%
- Oct 1, 20267.93%▲ from 7.51%
- Sep 15, 20267.51%first recorded
Brisbin 30-Year Jumbo Mortgage Rates
Rate Lock: 60 Day
Origination Fee or Lender Credit: 0.000%; Conventional Fannie Mae
- Oct 12, 20266.71%▲ from 6.65%
- Oct 2, 20266.65%▲ from 6.56%
- Sep 25, 20266.56%▲ from 6.42%
- Sep 16, 20266.42%first recorded
Origination Fee or Lender Credit: 0.000%
Loan Amount: $832,751 - $1,500,000
- Oct 12, 20266.75%▲ from 6.36%
- Sep 16, 20266.36%first recorded
Rate Lock: 60 Day
Adjustable-rate mortgage loan; Rates as of Oct 13, 2026 ET
- Oct 6, 20266.87%▲ from 6.77%
- Sep 30, 20266.77%first recorded
Loan Amount: $832,751 - $1,500,000
- Oct 12, 20267.11%▲ from 6.59%
- Sep 16, 20266.59%first recorded
Loan Amount: $832,751 - $1,500,000
- Oct 12, 20267.18%▲ from 6.68%
- Sep 16, 20266.68%first recorded
Loan Amount: $832,751 - $1,500,000
- Oct 12, 20267.30%▲ from 6.79%
- Sep 16, 20266.79%first recorded
Advertised rate: single-family primary residence, 720 FICO, 20% down; Rates as of Oct 13, 2026 ET
As Low As; Rates and APRs effective October 2, 2026; Adjustable-rate mortgage; Jumbo loan amounts greater than $832,750
No additional details available.
- Oct 1, 20267.65%▲ from 7.52%
- Sep 28, 20267.52%▲ from 7.15%
- Sep 16, 20267.15%first recorded
Jumbo Loan Rates; Effective Date: Wednesday October 14, 2026
- Oct 14, 20267.65%▲ from 7.09%
- Sep 8, 20267.09%first recorded
Jumbo Mortgage Loan Amounts Greater Than $832,750
Jumbo
- Oct 12, 20268.01%▲ from 7.76%
- Sep 25, 20267.76%first recorded
Jumbo Mortgage ($832,751 - $2,000,000); Annual Percentage Rates (APR) current as of October 14, 2026
- Oct 14, 20268.08%▼ from 8.20%
- Sep 27, 20268.20%▲ from 7.95%
- Sep 19, 20267.95%▲ from 7.83%
- Sep 15, 20267.83%first recorded
Brisbin 15-Year Jumbo Mortgage Rates
Rate Lock: 60 Day
Conventional Fannie Mae Mortgage; Origination Fee or Lender Credit: 0.000%
- Sep 25, 20266.77%▲ from 6.39%
- Sep 16, 20266.39%first recorded
Loan Amount: $832,751 - $1,500,000
- Oct 12, 20266.77%▲ from 6.25%
- Sep 16, 20266.25%first recorded
Origination Fee or Lender Credit: 0.000%
- Oct 12, 20266.77%▲ from 6.65%
- Oct 8, 20266.65%first recorded
Advertised rate: single-family primary residence, 720 FICO, 20% down; Rates as of Oct 13, 2026 ET
Jumbo Mortgage Loan Amounts Greater Than $832,750
Jumbo Loan Rates; Effective Date: Wednesday October 14, 2026
- Oct 14, 20267.19%▲ from 6.58%
- Sep 8, 20266.58%first recorded
Jumbo
- Oct 12, 20267.25%▲ from 7.00%
- Sep 25, 20267.00%first recorded
No additional details available.
- Oct 1, 20267.28%▲ from 7.16%
- Sep 28, 20267.16%▲ from 6.66%
- Sep 16, 20266.66%first recorded
Loan amount $832,751 - $2,000,000; APRs based on 20% down payment; rate lock 45 days
Brisbin 5/1 Jumbo ARM Mortgage Rates
Adjustable-rate mortgage loan; Rates as of Oct 13, 2026 ET
- Oct 6, 20266.83%▲ from 6.75%
- Sep 30, 20266.75%first recorded
As Low As; Rates and APRs effective October 2, 2026; Adjustable-rate mortgage; Jumbo loan amounts greater than $832,750
Brisbin FHA Loan Rates
As Low As; Rates and APRs effective October 2, 2026; FHA/VA loan
FHA/VA Loans
FHA
- Oct 12, 20267.66%▲ from 7.50%
- Sep 25, 20267.50%first recorded
As Low As; Rates and APRs effective October 2, 2026; FHA/VA loan
- Oct 12, 20267.76%▲ from 7.63%
- Sep 25, 20267.63%first recorded
FHA/VA Loans
- Oct 12, 20267.81%▲ from 7.76%
- Oct 2, 20267.76%▲ from 7.63%
- Sep 25, 20267.63%▲ from 7.43%
- Sep 17, 20267.43%first recorded
FHA
- Oct 12, 20267.81%▲ from 7.76%
- Oct 2, 20267.76%▲ from 7.63%
- Sep 25, 20267.63%first recorded
As Low As; Rates and APRs effective October 2, 2026; FHA/VA loan
FHA/VA Loans
- Oct 12, 20267.89%▲ from 7.86%
- Oct 2, 20267.86%▲ from 7.73%
- Sep 25, 20267.73%▲ from 7.48%
- Sep 17, 20267.48%first recorded
No additional details available.
Brisbin VA Loan Rates
Rates as of Oct 13, 2026 ET. Rates subject to change.
Rates as of Oct 13, 2026 ET. Rates subject to change.
FHA/VA Loans
FHA/VA Loans
- Oct 12, 20267.76%▲ from 7.63%
- Oct 4, 20267.63%▼ from 7.76%
- Oct 2, 20267.76%▲ from 7.25%
- Sep 25, 20267.25%▲ from 7.13%
No additional details available.
- Oct 12, 20267.89%▲ from 7.86%
- Oct 2, 20267.86%▲ from 7.73%
- Sep 25, 20267.73%first recorded
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Brisbin, PA Mortgage Rate Trends
Compare local Brisbin, PA mortgage rate quotes against the statewide average
Daily mortgage rate averages tracked across our database of verified mortgage rate quotes, updated every evening.
Pennsylvania 30-year fixed rates rose 0.012 points over the past 7 days to 7.319%.
Pennsylvania 15-year fixed rates rose 0.025 points over the past 7 days to 6.827%.
Pennsylvania Mortgage Rate Forecast, Next 12 Months
Where are Pennsylvania 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 Brisbin, PA Home Buyers
Monthly principal & interest payment on Brisbin, PA median home of $147,500 (20% down, 30-year fixed, city-level Census ACS median)
| Scenario | Rate | Mo. Payment | vs. Today | % of Income |
|---|---|---|---|---|
| Today (PA avg) | 7.319% | $811 | 16.8% | |
| 6-Month Forecast | 7.319% (6.97, 7.62%) | $811 | +$0/mo | 16.8% |
| 12-Month Forecast | 7.569% (7.22, 7.87%) | $831 | +$20/mo | 17.2% |
Income column = annual mortgage payment as % of Brisbin, PA median household income ($57,857). Above 30% is generally considered cost-burdened.
MonitorBankRates Housing Affordability Index (MBR-HAI)
A daily-updated affordability score for Brisbin, Pennsylvania , computed from local Census Bureau data combined with current Pennsylvania mortgage rates.
What This Score Means for Brisbin, Pennsylvania Home Buyers
With a score of 126.4, Brisbin, Pennsylvania is 29.3 points more affordable than the national average of 97.1. The area’s median home value of $147,500 against a median household income of $57,857 produces a price-to-income ratio of 2.5x , relatively affordable compared to national levels. At the current Pennsylvania mortgage rate of 7.319%, a buyer purchasing the median-priced home with 20% down would carry a monthly payment of approximately $810 in principal and interest.
Beyond the mortgage payment, the median total monthly owner cost in this area is $747, covering mortgage, property taxes, insurance, and utilities. Property taxes alone average $102/month ($1,219/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 Pennsylvania live mortgage rate. Score of 100 = national average at 6.5% reference rate. Full methodology
How Mortgage Rates Impact Home Affordability in Brisbin, Pennsylvania
Brisbin, Pennsylvania Housing Market Overview
According to the U.S. Census Bureau, the median owner-occupied home value in Brisbin, Pennsylvania is approximately $147,500. 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.
Brisbin, Pennsylvania Homeownership Rate
With a homeownership rate of 74.3%, well above the national average of 65.7%, Brisbin, Pennsylvania has a strong ownership culture, making competitive mortgage rates especially important for buyers entering the market. The homeowner vacancy rate of 1.1% 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 Brisbin, Pennsylvania 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 $120,000 mortgage, based on a 20% down payment on the Brisbin, Pennsylvania median home value.
| Interest Rate | Loan Term | Monthly Payment | Total Interest Paid |
|---|---|---|---|
| 6.819% | 30-year fixed | $784 | $162,179 |
| 7.319% Current Avg | 30-year fixed | $824 | $176,725 |
| 7.819% | 30-year fixed | $865 | $191,552 |
| 6.827% | 15-year fixed | $1,067 | $72,064 |
A 0.500% rate increase on a $120,000 loan adds roughly $41 per month and over $14,828 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 Brisbin, Pennsylvania 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.
Brisbin, Pennsylvania Income & Housing Affordability
At a price-to-income ratio of 2.5x, Brisbin, Pennsylvania 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 Brisbin, Pennsylvania Buyers
With a median household income of $57,857 per year in Brisbin, Pennsylvania ($4,821/month) and a median home value of approximately $147,500, a buyer financing at 80% LTV at the current average rate would commit roughly 17.1% 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 Pennsylvania statewide price-to-income ratio of 3.3x, Brisbin tracks closely with the broader Pennsylvania 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 Brisbin, Pennsylvania
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 Brisbin, Pennsylvania. 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 Brisbin, Pennsylvania, the median homeowner with a mortgage pays approximately $747/month in total housing costs, covering the mortgage payment, property taxes, insurance, and utilities. The median renter pays $1,292/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 $102/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 Brisbin, Pennsylvania, 35.3% of homeowners with mortgages are cost burdened and 24% of renters are cost burdened. The 35.3% owner burden rate, well above the national average of 28.0%, underscores why securing the lowest possible mortgage rate is especially important here. Even a 0.25% rate reduction on a median-priced home can move a buyer from cost-burdened to within the manageable threshold.
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.
Brisbin, Pennsylvania Mortgage Payment Calculator
See your estimated monthly principal & interest payment at today’s Brisbin, Pennsylvania 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 Brisbin, Pennsylvania Home Loan
Rates are only part of the equation. Use these calculators to translate current Brisbin, Pennsylvania 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 Brisbin, Pennsylvania 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 Brisbin, Pennsylvania.
CalculateTypes of Mortgages Available in Brisbin, Pennsylvania
Not every loan program is right for every buyer in Brisbin, Pennsylvania. 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 Brisbin, Pennsylvania 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 Brisbin, Pennsylvania, 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 Brisbin, Pennsylvania, 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 Brisbin, Pennsylvania 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 Brisbin, Pennsylvania 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 Brisbin, Pennsylvania 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 Brisbin, Pennsylvania. 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 PA.
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 Brisbin, Pennsylvania
A mortgage is a loan used to buy a home in Brisbin, Pennsylvania, 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 Brisbin, Pennsylvania Buyers
A fixed-rate mortgage keeps the same interest rate for the entire term, so a Brisbin, Pennsylvania homeowner’s principal-and-interest payment never changes. For example, Hill District Federal Credit Union is listing a 30-Year Fixed at 5.75%. 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 Brisbin, Pennsylvania borrowers who expect to move or refinance before that point. On the adjustable-rate side, First Peoples Community Federal Credit Union is listing a ARM (Adjustable Rate Mortgage) 5/1 at 5.00%.
How Brisbin, Pennsylvania 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 Pennsylvania 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 Brisbin, Pennsylvania
The interest rate is not the only cost of buying a home in Brisbin, Pennsylvania. 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 Brisbin, Pennsylvania shoppers account for these costs when weighing lenders.
When Brisbin, Pennsylvania 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 Brisbin, Pennsylvania 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 Brisbin, Pennsylvania refinance rates from local lenders are listed on our refinance page.
Frequently Asked Questions about Mortgage Rates in Brisbin, Pennsylvania
What are home loan rates in Brisbin, PA today?
How does my credit score affect my rate in Pennsylvania?
What is a 30-Year Fixed Mortgage?
What are closing costs in Pennsylvania?
Should I lock my mortgage rate?
What is an Adjustable-Rate Mortgage (ARM)?
What is a Jumbo Loan in Brisbin, Pennsylvania?
Do I need 20% down to buy a house in Pennsylvania?
What is the difference between Interest Rate and APR?
How do I compare mortgage lenders in Brisbin, Pennsylvania?
How do I get mortgage quotes in Brisbin, Pennsylvania?
What is the median home value in Brisbin, Pennsylvania?
What is the homeownership rate in Brisbin, Pennsylvania?
What is the conforming loan limit in Brisbin, Pennsylvania?
What is the median monthly cost of homeownership in Brisbin, Pennsylvania?
What are the median property taxes in Brisbin, Pennsylvania?
What is the median rent in Brisbin, Pennsylvania?
What percentage of homeowners are cost burdened in Brisbin, Pennsylvania?
What percentage of renters are cost burdened in Brisbin, Pennsylvania?
What are the best Mortgage rates in Brisbin, Pennsylvania?
- Hill District Federal Credit Union: 5.75% (30-Year Fixed)
- JTNB: 5.85% (Current Mortgage - 30 Year Fixed)
- Riverfront Federal Credit Union: 5.97% (Mortgage 30 Year Fixed)
- Harleysville Bank: 6.25% (30 Yr. Fixed)
- NORTHWOOD: 6.49% (Mortgage Loan - 30 yr)
Brisbin, Pennsylvania Rates & Resources
