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Home Buying Articles

These are articles related to the home buying process, the different purchase options available to a homebuyer and other helpful resources related to purchasing a a new property.

  • southern georgia home

    2-1 Buydown vs Lower Price in Georgia

    When a Georgia seller is open to negotiating, a buyer has choices about how to use that flexibility. You might ask… Read 4 min read

  • home in atlanta

    Is a 2-1 Buydown Worth It in Atlanta?

    If you are shopping for a home in Atlanta, you may have heard that a 2-1 buydown can lower your payment… Read 4 min read

  • Buying a HUD Home

    How to Buy a HUD Home in Georgia, Step by Step

    A foreclosed home does not always go to auction. When a home with an FHA-insured loan is foreclosed on, the property… Read 4 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 8 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]

    Looking for the top Atlanta home lenders? This guide covers the best mortgage options, how to think about current rates, and… Read 12 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

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

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

    Key Takeaways On a $100,000 salary, a common example range is roughly $300,000 to $415,000, depending mainly on your down payment,… 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

  • conforming loans a guide for loan limits and requirements

    Conforming Loans: Complete Guide to Loan Limits and Requirements

    What is a Conforming Loan? A conforming loan is a conventional mortgage that meets Federal Housing Finance Agency (FHFA) dollar limits… Read 7 min read

  • va home loans a complete guide

    VA Home Loans: Complete Guide to Veterans Housing Benefits

    Key Takeaways VA home loans let eligible veterans, active-duty service members, and certain surviving spouses buy a home with no down… Read 8 min read

  • fha guaranteed loans, the benefits and how to qualify

    Understanding FHA Guaranteed Loans: Requirements, Benefits, and How to Qualify

    FHA guaranteed loans are government-backed mortgages that make homeownership more accessible, especially for FHA borrowers with lower credit scores or smaller… Read 13 min read

  • buy a home with student loan debt

    Can You Buy a Home with Student Loan Debt? A Quick Guide

    Short answer: Absolutely. You can qualify for a mortgage while carrying those student loans—and the Moreira Team helps buyers in Georgia… Read 5 min read

  • veterans affairs home loan requirements

    Veterans Affairs Home Loan Requirements: Complete Eligibility Guide

    Introduction: What Are Veterans Affairs Home Loan Requirements and Why They Matter Veterans Affairs home loan requirements are specific eligibility criteria… Read 12 min read

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Today's Mortgage Rates for
November, 11 2026

Conventional 30 YR Fixed Rate Options

Rate APR Points Option
6.750% 6.949% 1.742 Points Lowest Rate, Higher Fees
6.990% 7.103% 0.862 Points Low Rate, Normal Fees
7.250% 7.279% 0.018 Points Competitive Rate, Less Fees
7.500% 7.527% -0.415 Points Lowest Total, Lender Credit

Conventional 15 YR Fixed Rate Options

Rate APR Points Option
6.000% 6.337% 1.857 Points Lowest Rate, Higher Fees
6.375% 6.520% 0.647 Points Low Rate, Normal Fees
6.750% 6.798% 0.034 Points Competitive Rate, Less Fees
6.875% 6.918% -0.424 Points Lowest Total, Lender Credit

FHA 30 YR Fixed Rate Options

Rate APR Points Option
6.125% 7.073% 1.959 Points Lowest Rate, Higher Fees
6.375% 7.183% 0.573 Points Low Rate, Normal Fees
6.750% 7.504% -0.512 Points Lowest Total, Lender Credit

FHA 15 YR Fixed Rate Options

Rate APR Points Option
5.500% 6.505% 1.737 Points Lowest Rate, Higher Fees
5.875% 6.760% 0.976 Points Low Rate, Normal Fees
6.375% 7.158% 0.324 Points Competitive Rate, Less Fees

VA 30 YR Fixed Rate Options

Rate APR Points Option
6.125% 6.555% 1.989 Points Lowest Rate, Higher Fees
6.375% 6.677% 0.658 Points Low Rate, Normal Fees
6.500% 6.747% 0.093 Points Competitive Rate, Less Fees
6.750% 6.992% -0.448 Points Lowest Total, Lender Credit

VA 15yr Fixed Rate Options

Rate APR Points Option
5.500% 6.171% 1.795 Points Lowest Rate, Higher Fees
6.000% 6.488% 0.627 Points Low Rate, Normal Fees
6.625% 7.055% 0.220 Points Competitive Rate, Less Fees

Jumbo 30 YR Fixed Rate Options

Rate APR Points Option
6.250% 6.404% 1.494 Points Lowest Rate, Higher Fees
6.375% 6.469% 0.869 Points Low Rate, Normal Fees
6.500% 6.534% 0.244 Points Competitive Rate, Less Fees
6.750% 6.761% -0.756 Points Lowest Total, Lender Credit

Jumbo 15 YR Fixed Rate Options

Rate APR Points Option
6.125% 6.446% 1.907 Points Lowest Rate, Higher Fees
6.490% 6.655% 0.922 Points Low Rate, Normal Fees
6.625% 6.717% 0.466 Points Competitive Rate, Less Fees
6.875% 6.893% -0.534 Points Lowest Total, Lender Credit

USDA 30 YR Fixed Rate Options

Rate APR Points Option
6.125% 6.773% 1.650 Points Lowest Rate, Higher Fees
6.250% 6.812% 0.786 Points Low Rate, Normal Fees
6.375% 6.869% 0.089 Points Competitive Rate, Less Fees
6.500% 6.986% -0.603 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.