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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.

  • family opportunity mortgage

    What is a Family Opportunity Mortgage: Benefits and Eligibility

    A Family Opportunity Mortgage is a unique loan program designed to help families purchase a home for their loved ones. A… Read More 8 min read

  • pre-approval lock in rate

    Does a Pre Approval Lock In Your Rate? What Happens If Rates Rise After You Get Pre Approved?

    Introduction to Mortgage Preapproval Mortgage preapproval is a crucial step in the homebuying process that provides a conditional agreement on how… Read More 7 min read

  • usda rural development loans

    RD Loans: Are You Eligible for a USDA Rural Development Loan?

    USDA Rural Development loans, are a type of housing loan program that helps low- and moderate-income families buy homes in rural… Read More 13 min read

  • how to buy a house with no money

    How to Buy a House with No Money: Top Strategies for Homebuyers

    Looking to purchase a house with no money? It’s possible. Many buyers opt for a minimal down payment, which allows them… Read More 9 min read

  • top tips for first time home buyers

    Top Tips for First Time Home Buyers – FHA Loans in 2025

    Are you a first-time home buyer trying to understand FHA loans? These loans, backed by the Federal Housing Administration, make buying… Read More 9 min read

  • 5 down mortgage loan

    Getting a 5% Down Mortgage Loan on Your New Home

    Dreaming of homeownership but don’t have a massive savings account? A 5% down mortgage might be your ticket to home ownership!… Read More 10 min read

  • down payment assistance program for homebuyers

    Down Payment Assistance Program for Homebuyers

    Key Takeaways Understanding Down Payment Assistance Programs Down payment assistance programs are a game-changer for homebuyers facing the financial mountain of… Read More 12 min read

  • usda vs va loan

    USDA vs VA Loan: Best Options, Benefits, and Eligibility Explained

    Potential homebuyers with military backgrounds or those looking to settle in rural areas have excellent mortgage opportunities with VA and USDA… Read More 11 min read

  • FHA loan for a duplex

    Everything You Need to Know About an FHA Loan for a Duplex Purchase

    So what exactly makes FHA loans such a powerful tool for duplex purchases? Well, they’re government-backed mortgage options that open doors… Read More 15 min read

  • first time homebuyer programs

    Top First Time Home Buyer Programs in Georgia

    Are you a first time home buyer in Georgia? We’ve put together this comprehensive guide to walk you through all those… Read More 8 min read

  • usda loan limits for 2025

    USDA Loan Income Limits for 2025

    Understanding the USDA loan income limits for 2025 are absolutely critical when you’re figuring out if you qualify. For households with… Read More 8 min read

  • 2025 housing inventory

    The 2025 Housing Inventory: What It Means for Mortgages

    Is housing inventory getting better? As of March 2025, the US housing market is undergoing big changes with rising inventory, changing… Read More 3 min read

  • what is upfront underwriting

    What Is Upfront Underwriting? The Upfront Approval Guarantee

    If you’re asking yourself if guaranteed mortgage approval is for you, here’s what you need to know. This article will break… Read More 8 min read

  • best georgia mortgage broker

    Finding the Best Georgia Mortgage Lender – A Guide to Your Best Mortgage Options

    Are you searching for the best Georgia mortgage brokers? In this article, we’ll provide you with the best mortgage options, current… Read More 9 min read

  • FHA 203k Loan a guide for the renovation mortgage

    Choosing the Best FHA 203k Lender: Home Renovation Mortgage Guide

    An FHA 203k lender is your best bet when it comes to financing your dream home. In this article, we’ll walk… Read More 9 min read

  • fha loan requirements

    Top Georgia FHA Loan Requirements You Need to Know

    Key Takeaways: FHA Loans With Good Terms In 2025, home buyers in Georgia will have a fantastic opportunity to get FHA… Read More 7 min read

  • relocating to georgia, the best cities

    Relocating to Georgia in 2025: Hot Spots and Essential Moving Tips

    “Is Georgia a good place to live?” Those who don’t know Georgia but are looking to move should know why 10.8… Read More 6 min read

  • interest only jumbo loan

    Unlock Your Dream Home with Our Revolutionary 40-Year Interest Only Jumbo Loan

    If you’ve ever dreamed of owning a luxury home but felt held back by the hefty monthly mortgage payments, we have… Read More 3 min read

  • renting vs buying in 2025

    Rent vs Buy Calculator: Compare the Two Options in 2025

    Key Takeaways What To Do, What To Do? Whether you’re entering the housing market for the first time or have prior… Read More 5 min read

  • how long is a mortgage preapproval good for?

    How Long is a Mortgage Preapproval Good For?

    How long is a pre approval good for? 120 days. Sometimes. But it can be different for your lender. Read on… Read More 11 min read

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Today's Mortgage Rates for
December, 13 2025

Conventional 30 YR Fixed Rate Options

Rate APR Points Option
5.750% 5.942% 1.793 Points Lowest Rate, Higher Fees
5.990% 6.090% 0.802 Points Low Rate, Normal Fees
6.250% 6.293% 0.189 Points Competitive Rate, Less Fees
6.500% 6.526% -0.754 Points Lowest Total, Lender Credit

Conventional 15 YR Fixed Rate Options

Rate APR Points Option
5.000% 5.307% 1.731 Points Lowest Rate, Higher Fees
5.375% 5.523% 0.693 Points Low Rate, Normal Fees
5.625% 5.689% 0.149 Points Competitive Rate, Less Fees
5.875% 5.916% -0.544 Points Lowest Total, Lender Credit

FHA 30 YR Fixed Rate Options

Rate APR Points Option
5.500% 6.428% 1.903 Points Lowest Rate, Higher Fees
5.875% 6.687% 0.690 Points Low Rate, Normal Fees
6.000% 6.772% 0.277 Points Competitive Rate, Less Fees
6.500% 7.251% -0.795 Points Lowest Total, Lender Credit

FHA 15 YR Fixed Rate Options

Rate APR Points Option
5.125% 6.116% 1.692 Points Lowest Rate, Higher Fees
5.625% 6.469% 0.751 Points Low Rate, Normal Fees
6.125% 6.855% 0.021 Points Competitive Rate, Less Fees
6.250% 6.978% -0.482 Points Lowest Total, Lender Credit

VA 30 YR Fixed Rate Options

Rate APR Points Option
5.375% 5.767% 1.793 Points Lowest Rate, Higher Fees
5.625% 5.907% 0.595 Points Low Rate, Normal Fees
5.875% 6.140% 0.376 Points Competitive Rate, Less Fees
6.125% 6.358% -0.778 Points Lowest Total, Lender Credit

VA 15yr Fixed Rate Options

Rate APR Points Option
5.000% 5.632% 1.612 Points Lowest Rate, Higher Fees
5.500% 5.994% 0.708 Points Low Rate, Normal Fees
5.750% 6.136% 0.015 Points Competitive Rate, Less Fees
6.125% 6.513% -0.729 Points Lowest Total, Lender Credit

Jumbo 30 YR Fixed Rate Options

Rate APR Points Option
5.875% 6.053% 1.785 Points Lowest Rate, Higher Fees
6.125% 6.205% 0.731 Points Low Rate, Normal Fees
6.375% 6.396% 0.106 Points Competitive Rate, Less Fees
6.625% 6.636% -0.627 Points Lowest Total, Lender Credit

Jumbo 15 YR Fixed Rate Options

Rate APR Points Option
5.625% 5.941% 1.907 Points Lowest Rate, Higher Fees
5.875% 6.035% 0.907 Points Low Rate, Normal Fees
6.125% 6.167% 0.157 Points Competitive Rate, Less Fees
6.500% 6.518% -0.593 Points Lowest Total, Lender Credit

USDA 30 YR Fixed Rate Options

Rate APR Points Option
5.500% 6.125% 1.525 Points Lowest Rate, Higher Fees
5.625% 6.182% 0.809 Points Low Rate, Normal Fees
5.750% 6.257% 0.282 Points Competitive Rate, Less Fees
5.990% 6.472% -0.716 Points Lowest Total, Lender Credit

Home | Home Buying | Page 3


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