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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.

  • closing costs on a $350,000 house

    How Much Are Closing Costs on a $350,000 House?

    Closing cost are comprised of several various fees associated with the mortgage process. In most cases the closing costs you will… Read More 2 min read

  • How to Buy a Second Home

    Buying a Second Home – Your Top Considerations

    Whether you’re looking into how to buy a second home or buying a vacation property we can help you determine what you… Read More 4 min read

  • Nice Neighborhood

    Your Home Options: Types of Houses to Consider When You Decide to Buy

    What Types of Home Options are out There? We will help you to compare the different types of homes available to… Read More 3 min read

  • What is Private Mortgage Insurance

    What is Private Mortgage Insurance (PMI)?

    PMI stands for Private Mortgage Insurance or Insurer. These are privately-owned companies that provide mortgage insurance. They offer both standard and… Read More 1 min read

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Today's Mortgage Rates for
January, 23 2026

Conventional 30 YR Fixed Rate Options

Rate APR Points Option
5.625% 5.811% 1.748 Points Lowest Rate, Higher Fees
5.875% 5.984% 0.902 Points Low Rate, Normal Fees
6.000% 6.064% 0.413 Points Competitive Rate, Less Fees
6.500% 6.526% -0.732 Points Lowest Total, Lender Credit

Conventional 15 YR Fixed Rate Options

Rate APR Points Option
4.875% 5.212% 1.927 Points Lowest Rate, Higher Fees
5.375% 5.495% 0.513 Points Low Rate, Normal Fees
5.500% 5.582% 0.262 Points Competitive Rate, Less Fees
5.875% 5.916% -0.519 Points Lowest Total, Lender Credit

FHA 30 YR Fixed Rate Options

Rate APR Points Option
5.500% 6.419% 1.820 Points Lowest Rate, Higher Fees
5.875% 6.690% 0.714 Points Low Rate, Normal Fees
6.000% 6.764% 0.197 Points Competitive Rate, Less Fees
6.375% 7.124% -0.523 Points Lowest Total, Lender Credit

FHA 15 YR Fixed Rate Options

Rate APR Points Option
5.125% 6.122% 1.726 Points Lowest Rate, Higher Fees
5.625% 6.470% 0.756 Points Low Rate, Normal Fees
6.250% 7.019% 0.248 Points Competitive Rate, Less Fees

VA 30 YR Fixed Rate Options

Rate APR Points Option
5.375% 5.760% 1.717 Points Lowest Rate, Higher Fees
5.625% 5.915% 0.673 Points Low Rate, Normal Fees
5.875% 6.139% 0.357 Points Competitive Rate, Less Fees
6.125% 6.358% -0.735 Points Lowest Total, Lender Credit

VA 15yr Fixed Rate Options

Rate APR Points Option
5.000% 5.639% 1.653 Points Lowest Rate, Higher Fees
5.500% 5.998% 0.728 Points Low Rate, Normal Fees
6.000% 6.412% 0.160 Points Competitive Rate, Less Fees
6.375% 6.766% -0.467 Points Lowest Total, Lender Credit

Jumbo 30 YR Fixed Rate Options

Rate APR Points Option
5.750% 5.941% 1.933 Points Lowest Rate, Higher Fees
6.125% 6.195% 0.627 Points Low Rate, Normal Fees
6.250% 6.282% 0.222 Points Competitive Rate, Less Fees
6.490% 6.501% -0.510 Points Lowest Total, Lender Credit

Jumbo 15 YR Fixed Rate Options

Rate APR Points Option
5.625% 5.938% 1.883 Points Lowest Rate, Higher Fees
5.875% 6.009% 0.742 Points Low Rate, Normal Fees
6.000% 6.046% 0.182 Points Competitive Rate, Less Fees
6.490% 6.508% -0.446 Points Lowest Total, Lender Credit

USDA 30 YR Fixed Rate Options

Rate APR Points Option
5.500% 6.124% 1.518 Points Lowest Rate, Higher Fees
5.625% 6.176% 0.745 Points Low Rate, Normal Fees
5.750% 6.263% 0.345 Points Competitive Rate, Less Fees
5.990% 6.472% -0.747 Points Lowest Total, Lender Credit

Home | Home Buying | Page 10

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