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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

  • 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

  • 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

  • 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 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

  • 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

  • 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

  • is georgia a good place to live

    Georgia On Your Mind?

    Key Takeaways Is Georgia a Good Place to Live? Georgia is both cosmopolitan and quaint. It’s steeped in history and leading… Read More 8 min read

  • buying a home in 2025

    New Year, New Home

    There’s something special about January. When we turn the calendar page to a new year, it can feel like a reset:… Read More 7 min read

  • homeone loan, a guide for first time home buyers

    Exploring the HomeOne Loan: A Comprehensive Guide for First-time Homebuyers

    Key takeaways: The 2024 market share for first-time homebuyers fell to a historic low of 24% (from 32% in 2023), while… Read More 6 min read

  • FHA Loan limit increase for 2026

    FHA Loan Limits Are Increasing for 2026: What It Means for Homebuyers

    Key Takeaways What Are FHA Loan Limits and Why Are They Increasing? If you’re a first time home buyer or even… Read More 6 min read

  • your path to home ownership

    Understanding FHA Loan Qualifications: Your Path to Homeownership

    Key Takeaways What is an FHA Loan? For a first time home buyer or an experienced buyer looking for an option… Read More 6 min read

  • getting a zero down loan

    Why Getting A 0% Down Home Loan Is Easier Than You Think

    Key Takeaways: With 80% of people under 30 thinking the American dream is a thing of the past, home ownership has… Read More 5 min read

  • More houses are hitting the market - here's how to make a strong offer

    More Houses Are Hitting the Market–Here’s How to Make the Strongest Offer Possible

    Key Takeaways If you’ve been biding your time, monitoring the housing market and interest rates, waiting for the right moment to… Read More 6 min read

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Today's Mortgage Rates for
July, 10 2026

Conventional 30 YR Fixed Rate Options

Rate APR Points Option
5.990% 6.198% 1.926 Points Lowest Rate, Higher Fees
6.250% 6.363% 0.915 Points Low Rate, Normal Fees
6.375% 6.441% 0.426 Points Competitive Rate, Less Fees
6.625% 6.651% -0.454 Points Lowest Total, Lender Credit

Conventional 15 YR Fixed Rate Options

Rate APR Points Option
5.375% 5.680% 1.695 Points Lowest Rate, Higher Fees
5.625% 5.806% 0.896 Points Low Rate, Normal Fees
5.875% 5.928% 0.073 Points Competitive Rate, Less Fees
6.125% 6.167% -0.519 Points Lowest Total, Lender Credit

FHA 30 YR Fixed Rate Options

Rate APR Points Option
5.500% 6.372% 1.346 Points Lowest Rate, Higher Fees
5.750% 6.561% 0.695 Points Low Rate, Normal Fees
5.875% 6.624% 0.057 Points Competitive Rate, Less Fees
5.990% 6.734% -0.550 Points Lowest Total, Lender Credit

FHA 15 YR Fixed Rate Options

Rate APR Points Option
5.000% 6.008% 1.807 Points Lowest Rate, Higher Fees
5.375% 6.211% 0.723 Points Low Rate, Normal Fees
5.500% 6.253% 0.202 Points Competitive Rate, Less Fees
5.990% 6.715% -0.435 Points Lowest Total, Lender Credit

VA 30 YR Fixed Rate Options

Rate APR Points Option
5.375% 5.787% 1.997 Points Lowest Rate, Higher Fees
5.750% 6.037% 0.619 Points Low Rate, Normal Fees
5.875% 6.105% 0.011 Points Competitive Rate, Less Fees
5.990% 6.221% -0.497 Points Lowest Total, Lender Credit

VA 15yr Fixed Rate Options

Rate APR Points Option
5.000% 5.663% 1.803 Points Lowest Rate, Higher Fees
5.375% 5.869% 0.719 Points Low Rate, Normal Fees
5.500% 5.912% 0.198 Points Competitive Rate, Less Fees
6.000% 6.386% -0.530 Points Lowest Total, Lender Credit

Jumbo 30 YR Fixed Rate Options

Rate APR Points Option
5.750% 5.908% 1.582 Points Lowest Rate, Higher Fees
5.875% 5.975% 0.957 Points Low Rate, Normal Fees
6.000% 6.041% 0.332 Points Competitive Rate, Less Fees
6.250% 6.260% -0.668 Points Lowest Total, Lender Credit

Jumbo 15 YR Fixed Rate Options

Rate APR Points Option
5.625% 5.900% 1.644 Points Lowest Rate, Higher Fees
5.875% 6.009% 0.748 Points Low Rate, Normal Fees
6.000% 6.059% 0.263 Points Competitive Rate, Less Fees
6.375% 6.392% -0.770 Points Lowest Total, Lender Credit

USDA 30 YR Fixed Rate Options

Rate APR Points Option
5.375% 6.043% 1.992 Points Lowest Rate, Higher Fees
5.625% 6.200% 0.999 Points Low Rate, Normal Fees
5.875% 6.356% -0.716 Points Lowest Total, Lender Credit

Home | Florida Mortgages | Page 3

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