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Moreira Team Mortgage Blog

Read articles on the latest mortgage news, with answers to frequently asked questions and tips for your next home loan.

  • modern home

    Asset Depletion vs. Bank Statement Loans: Which Fits Your Georgia Home Purchase?

    Last updated: Sept 2026. By Alvaro Moreira, NMLS #148581. Moreira Team | MortgageRight. MortgageRight NMLS #2239; Atlanta Branch NMLS #1285851. If… Read > 4 min read

  • retired couple reviewing assets

    How Retirees in Georgia Qualify for a Mortgage Using Their Savings

    Last updated: Sept 2026. By Alvaro Moreira, NMLS #148581. Moreira Team | MortgageRight. MortgageRight NMLS #2239; Atlanta Branch NMLS #1285851. You… Read > 4 min read

  • second home and vacation home mortgages

    Second Home and Vacation Home Mortgages: Rates and Requirements

    Last updated: Sept 2026. By Alvaro Moreira, NMLS #148581. Moreira Team | MortgageRight. MortgageRight NMLS #2239; Atlanta Branch NMLS #1285851. Key… Read > 8 min read

  • Self Employed Mortgages

    How Self-Employed Georgians Qualify for a Mortgage: Bank Statement Loans

    Last updated: Sept 2026. By Alvaro Moreira, NMLS #148581. Moreira Team | MortgageRight. MortgageRight NMLS #2239; Atlanta Branch NMLS #1285851. Key… Read > 7 min read

  • multifamily dscr loans

    DSCR Loan Requirements for Georgia Real Estate Investors

    Last updated: Sept 2026. By Alvaro Moreira, NMLS #148581. Moreira Team | MortgageRight. MortgageRight NMLS #2239; Atlanta Branch NMLS #1285851. Key… Read > 7 min read

  • couple discussing ways to lower their mortgage payment

    How to Lower Your Mortgage Payment: 6 Practical Ways to Save Monthly

    Struggling with high mortgage payments? You’re not alone. Many homeowners look for ways to reduce their monthly costs without sacrificing their… Read > 3 min read

  • Georgia & Atlanta Down Payment Assistance (DPA)

    Georgia & Atlanta Down Payment Assistance (DPA): Georgia Dream, Atlanta Housing, Invest Atlanta, and Fulton County HOP — a broker’s navigation… Read > 7 min read

  • Mortgage Rate Buydown

    Mortgage Buydown to Help Reduce Your Interest Rate

    Want to reduce your mortgage payments? Buying down your interest rate is a method that allows you to lower your monthly… Read > 15 min read

  • 2026 housing inventory

    The 2026 Housing Inventory: Forecast, Trends, and Impact on Mortgage Rates for Buyers and Sellers

    The U.S. housing market in 2026 is transitioning from a severe seller’s market to a more balanced one, driven largely by… Read > 5 min read

  • choosing the best real estate agent

    How to Choose The Best Real Estate Agent

    We have helped connect hundreds of clients to qualified, local real estate agents, so we are well aware of the benefit… Read > 13 min read

  • top atlanta mortgage lenders

    Top Atlanta Home Lenders: Your Guide to the Best Mortgage Options [2026]

    Last updated: Sept 2026. By Alvaro Moreira, NMLS #148581. Moreira Team | MortgageRight. MortgageRight NMLS #2239; Atlanta Branch NMLS #1285851. Looking… Read > 12 min read

  • When is a good time to refinance your home

    When Is a Good Time to Refinance Your Home

    Introduction The best time to refinance your home is when you can secure a mortgage rate that’s at least 0.75% below… Read > 14 min read

  • when is the best time to buy a house

    When Is the Best Time to Buy a House?

    If you’ve been thinking about buying a house, you’ve probably wondered when the best time actually is. Maybe you’ve heard people… Read > 6 min read

  • How to apply for a mortgage online

    How to Apply for Mortgage Approval Online

    If you’re thinking about buying a home, one of the smartest first steps is to apply for a mortgage approval —… Read > 5 min read

  • Best VA Mortgage Rates

    Best VA Mortgage Rates – Compare Today’s Current VA Loan Rates

    Looking for the best VA mortgage rates? This article breaks down how these rates are determined and provides tips to secure… Read > 12 min read

  • second home mortgage rates

    Second House Mortgage Rates. What Affects Them and How to Compare to Get the Best Rate.

    Second house mortgage rates can sometimes be higher than those for primary residences. Compare today’s second house mortgage rates to stay… Read > 9 min read

  • find the best mortgage rates

    Comparing Mortgage Rates, How to Find the Best Home Loan Rates

    Introduction: What is Mortgage Rate Comparison and Why It Matters Comparing mortgage rates is the process of evaluating interest rates, APRs,… Read > 9 min read

  • how much house can i afford on a 100k salary

    How Much House Can I Afford on a 100k Salary?

    Last updated: Sept 2026. By Alvaro Moreira, NMLS #148581. Moreira Team | MortgageRight. MortgageRight NMLS #2239; Atlanta Branch NMLS #1285851. Key… Read > 9 min read

  • current mortgage rates

    Current Rates on Mortgages: Finding and Securing the Best Home Loan Rates

    Introduction Mortgage rates continue to shape the housing market, even right now, with current rates on mortgages significantly impacting both monthly… Read > 10 min read

  • co-buying a house, your guide to shared homeownership

    Co-Buying a House: Complete Guide to Shared Homeownership in 2026

    1. Introduction: What is Co-Buying a House and Why It Matters Co-buying a house is a strategy where two or more… Read > 8 min read

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Today's Mortgage Rates for
October, 1 2026

Conventional 30 YR Fixed Rate Options

Rate APR Points Option
7.125% 7.313% 1.587 Points Lowest Rate, Higher Fees
7.250% 7.371% 0.924 Points Low Rate, Normal Fees
7.500% 7.538% 0.105 Points Competitive Rate, Less Fees
7.750% 7.778% -0.454 Points Lowest Total, Lender Credit

Conventional 15 YR Fixed Rate Options

Rate APR Points Option
6.250% 6.600% 1.926 Points Lowest Rate, Higher Fees
6.625% 6.809% 0.881 Points Low Rate, Normal Fees
6.875% 6.961% 0.270 Points Competitive Rate, Less Fees

FHA 30 YR Fixed Rate Options

Rate APR Points Option
6.500% 7.423% 1.636 Points Lowest Rate, Higher Fees
6.750% 7.590% 0.811 Points Low Rate, Normal Fees
6.875% 7.654% 0.226 Points Competitive Rate, Less Fees
7.000% 7.757% -0.405 Points Lowest Total, Lender Credit

FHA 15 YR Fixed Rate Options

Rate APR Points Option
6.000% 7.038% 1.881 Points Lowest Rate, Higher Fees

VA 30 YR Fixed Rate Options

Rate APR Points Option
6.500% 6.909% 1.687 Points Lowest Rate, Higher Fees
6.750% 7.065% 0.717 Points Low Rate, Normal Fees
6.875% 7.148% 0.289 Points Competitive Rate, Less Fees
7.125% 7.372% -0.511 Points Lowest Total, Lender Credit

VA 15yr Fixed Rate Options

Rate APR Points Option
6.000% 6.709% 1.962 Points Lowest Rate, Higher Fees

Jumbo 30 YR Fixed Rate Options

Rate APR Points Option
6.490% 6.690% 1.941 Points Lowest Rate, Higher Fees
6.750% 6.847% 0.873 Points Low Rate, Normal Fees
6.875% 6.924% 0.382 Points Competitive Rate, Less Fees
7.125% 7.136% -0.605 Points Lowest Total, Lender Credit

Jumbo 15 YR Fixed Rate Options

Rate APR Points Option
6.250% 6.542% 1.721 Points Lowest Rate, Higher Fees
6.490% 6.666% 0.994 Points Low Rate, Normal Fees
6.750% 6.805% 0.236 Points Competitive Rate, Less Fees
6.990% 7.008% -0.435 Points Lowest Total, Lender Credit

USDA 30 YR Fixed Rate Options

Rate APR Points Option
6.375% 7.040% 1.767 Points Lowest Rate, Higher Fees
6.625% 7.187% 0.735 Points Low Rate, Normal Fees
6.875% 7.364% -0.488 Points Lowest Total, Lender Credit

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Founded in 2015, Moreira Team | MortgageRight is a boutique mortgage lender built to cater towards your financial needs, finding the best loan for your unique situation. We believe in a consultative “done-for-you” approach to getting a mortgage. That’s a fancy way of saying we treat you like family and make sure everything goes smooth. We also shop your loan with over 28 lenders and banks to make sure we deliver on our promise to get you the best deal. Close in as little as 17 days – with a low rate and a better payment.

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All loans are subject to credit approval. Rates, terms, and program availability are subject to change without notice. This information is for educational purposes only and does not constitute a commitment to lend. Additional restrictions may apply.