Mortgage Loans in Woodstock, NY

Federal Funds Rate - Trends & Analysis:

Today’s Fed Funds Effective Rate is 4.00%. This is higher than the rate 7 days ago, which was 3.75%. When the Fed Funds rate rises, it can put upward pressure on mortgage rates, making borrowing costs higher for homebuyers.

Credit Union Loan Rates - Trends & Analysis:

Usalliance shows a 15-year conventional fixed rate today at 6.5%, up 13 bp from last week and 50 bp from a month ago. Their 30-year conventional fixed is 7.125%, also up 13 bp from last week and 50 bp from 30 days prior. Jumbo 30-year fixed is 7.125%, rising 50 bp in the past week and 63 bp over the month. Adjustable 5-year fixed is 6.25%, increasing 25 bp in the last week and 38 bp over 30 days. Polish & Slavic shows a 15-year fixed rate today at 6.75%, up 38 bp from a week ago, and a 30-year fixed at 7.0%, also up 38 bp in the last week. The 15-year fixed rate increased by 50 bp compared to 30 days ago, while the 30-year fixed rate stayed the same over that period. Adjustable rates are not listed with current values.

Jovia Financial shows a 15-year conventional fixed rate at 6.375%, up 38 bp from a week ago. Their 30-year conventional fixed is 6.75%, rising 25 bp in the last 7 days. The 30-year FHA fixed stands at 6.625%, also up 25 bp. The 30-year VA fixed is 6.875%, increasing 38 bp. Jumbo 30-year fixed is 7.375%, up 38 bp. Adjustable 7-year fixed is 6.125%, up 25 bp, and the 10-year fixed is 6.625%, up 25 bp.

Nasa offers a 15-year conventional fixed at 6.375%, up 38 bp from a week ago and 63 bp higher than a month ago. Their 30-year conventional fixed is 6.875%, also up 38 bp in the past week and 50 bp over 30 days. FHA 30-year fixed loans are at 6.625%, rising 25 bp in the last week and 50 bp in the last month. VA 30-year fixed stands at 6.5%, up 38 bp from last week and 63 bp from 30 days ago. Jumbo 30-year fixed loans are 6.875%, with a 25 bp increase in the past week and 50 bp over the month.

Bethpage offers a 15-year conventional fixed rate at 6.75%, up 13 bp from last week, and a 30-year conventional fixed at 7.0%, unchanged from seven days ago but up 38 bp from a month ago. Their 30-year FHA fixed is 6.875%, steady over the past week. Adjustable rates include a 5-year ARM at 6.375% and a 7-year ARM at 6.625%, both unchanged this week. The 10-year ARM stands at 7.0%, also steady from last week. Dupaco Community offers a 15-year conventional fixed rate at 6.5%, up 12 bp from a week ago and 50 bp from a month ago. Their 30-year conventional fixed rate is 6.75%, unchanged from last week but 38 bp higher than 30 days ago. Both 15- and 30-year rates have the same values for conventional and refinance options.

Broadview shows a 15-year conventional fixed rate today at 6.5%, up 25 bp from last week. The 30-year conventional fixed rate is 7.125%, rising 25 bp in the past 7 days. FHA 30-year fixed is at 6.75%, also up 25 bp this week. Adjustable 5-year fixed is 6.125%, increasing 25 bp since last week. Pentagon offers a 30-year Conventional Fixed at 6.625% today, up 13 bp from last week and 38 bp from a month ago. Their 30-year Conventional Refinance Fixed is at 6.75%, also up 13 bp from last week and 50 bp from a month ago. The 30-year FHA Fixed rate is 6.125%, rising 13 bp since last week and 38 bp over the past month. The 30-year VA Fixed is steady today at 6.125%, with a 38 bp increase from a month ago. Jumbo 30-year Fixed loans are at 6.625%, up 25 bp from last week and 38 bp from a month ago.

Kinecta offers a 30-year Conventional Fixed mortgage at 6.875% today, up 38 bp from last week and 63 bp from a month ago. Their 30-year Jumbo Fixed rate is 6.75%, rising 13 bp over the past week and month. The only other rate shown is a 30-year Adjustable at 5.625% from August, with no current update. North Country has a 15-year fixed rate today at 6.75%, up 38 bp from last week and 63 bp from a month ago. The 30-year fixed rate is also 6.75%, rising 25 bp over the past week and 38 bp since a month ago. Rates have increased noticeably in the last 30 days for both terms.