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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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 6 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 6 min read

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Today's Mortgage Rates for
September, 7 2026

Conventional 30 YR Fixed Rate Options

Rate APR Points Option
6.375% 6.554% 1.584 Points Lowest Rate, Higher Fees
6.625% 6.717% 0.676 Points Low Rate, Normal Fees
6.750% 6.777% 0.015 Points Competitive Rate, Less Fees
6.875% 6.901% -0.427 Points Lowest Total, Lender Credit

Conventional 15 YR Fixed Rate Options

Rate APR Points Option
5.625% 5.940% 1.742 Points Lowest Rate, Higher Fees
5.875% 6.045% 0.820 Points Low Rate, Normal Fees
6.125% 6.201% 0.216 Points Competitive Rate, Less Fees
6.375% 6.417% -0.572 Points Lowest Total, Lender Credit

FHA 30 YR Fixed Rate Options

Rate APR Points Option
5.750% 6.682% 1.889 Points Lowest Rate, Higher Fees
5.990% 6.794% 0.590 Points Low Rate, Normal Fees
6.125% 6.904% 0.321 Points Competitive Rate, Less Fees
6.375% 7.124% -0.801 Points Lowest Total, Lender Credit

FHA 15 YR Fixed Rate Options

Rate APR Points Option
5.250% 6.287% 1.957 Points Lowest Rate, Higher Fees
5.500% 6.361% 0.866 Points Low Rate, Normal Fees
5.990% 6.743% 0.170 Points Competitive Rate, Less Fees
6.125% 6.851% -0.605 Points Lowest Total, Lender Credit

VA 30 YR Fixed Rate Options

Rate APR Points Option
5.750% 6.144% 1.720 Points Lowest Rate, Higher Fees
5.990% 6.284% 0.652 Points Low Rate, Normal Fees
6.125% 6.384% 0.265 Points Competitive Rate, Less Fees
6.375% 6.611% -0.764 Points Lowest Total, Lender Credit

VA 15yr Fixed Rate Options

Rate APR Points Option
5.250% 5.923% 1.837 Points Lowest Rate, Higher Fees
5.500% 6.033% 0.945 Points Low Rate, Normal Fees
5.875% 6.302% 0.259 Points Competitive Rate, Less Fees
6.125% 6.513% -0.459 Points Lowest Total, Lender Credit

Jumbo 30 YR Fixed Rate Options

Rate APR Points Option
5.750% 5.934% 1.862 Points Lowest Rate, Higher Fees
5.990% 6.084% 0.893 Points Low Rate, Normal Fees
6.125% 6.170% 0.370 Points Competitive Rate, Less Fees
6.375% 6.386% -0.551 Points Lowest Total, Lender Credit

Jumbo 15 YR Fixed Rate Options

Rate APR Points Option
5.625% 5.919% 1.765 Points Lowest Rate, Higher Fees
5.875% 6.038% 0.929 Points Low Rate, Normal Fees
6.125% 6.162% 0.125 Points Competitive Rate, Less Fees
6.375% 6.392% -0.649 Points Lowest Total, Lender Credit

USDA 30 YR Fixed Rate Options

Rate APR Points Option
5.750% 6.384% 1.578 Points Lowest Rate, Higher Fees
5.875% 6.450% 0.963 Points Low Rate, Normal Fees
6.000% 6.504% 0.231 Points Competitive Rate, Less Fees

Home | Florida Mortgages | Page 3


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