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Mortgage 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. If you would like to see a full list of our most frequently asked mortgage questions, check out our Mortgage F.A.Q. page.

  • Buying vs renting in Milton GA

    Buying vs. Renting a House in One of Georgia’s Most Affluent Cities

    Key Takeaways: Whether you’re a first-time homebuyer, a veteran homeowner, or someone looking to rent for a while, the city of… Read More 6 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

  • one of the best places to live, alpharetta georgia

    Why Alpharetta Is Among the Best Places to Live in Georgia

    Alpharetta, Georgia, has long been one of the best places to live in Georgia. The vibrant suburb offers the perfect blend… Read More 6 min read

  • 2025 mortgage market predictions and mortgage calculator

    2025 Market Predictions and How to Use the Mortgage Calculator Georgia Homebuyers Need

    A new year brings fresh opportunities and challenges for homebuyers in Georgia. Whether you’re a first-time buyer eager to take the… Read More 6 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

  • everything you need to know about buying a house in 2025

    Everything You Need to Know About Buying a House in 2025

    In 2025, potential first time home buyers will have a prime opportunity to make the plunge into homeownership. We expect interest… Read More 6 min read

  • unwrap your dream home with a pre approval

    Unwrap Your Dream Home in 2025 with a Home Loan Pre Approval

    Key Takeaways The holidays are a magical time—perhaps the most magical time of the year—to gather in our family homes with… 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 2025

    FHA Loan Limits Are Increasing for 2025: 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

  • community lending program for first time home buyers

    Take Advantage of the MortgageRight Community Lending Program as a First Time Home Buyer

    If you’re a first time home buyer special lending programs can help, and the MortgageRight Community Lending Program is ideal for first… Read More 4 min read

  • peachtree corners ga - pre approval in an attractive market

    Peachtree Corners: Home Loan Pre-Approval is a Vital Tool in This Attractive Market

    Key Takeaways: Why Choose Peachtree Corners? From its inception, Peachtree Corners has been a planned community. As early as the 1960s,… Read More 5 min read

  • Roswell, Sandy Springs and Decatur neighborhoods

    Roswell, Decatur, & Sandy Springs: Pre Approved Home Loans Put These Superb Suburbs Within Reach

    Key Takeaways: Just outside Atlanta’s 285 Perimeter lie the charming suburbs of Roswell, Decatur, and Sandy Springs. Whether you’re a first-time… Read More 7 min read

  • top myths about usda loan eligibility

    Top 5 Myths About USDA Loan Eligibility

    Key Takeaways Ralph Waldo Emerson said, “To be great is to be misunderstood.” Apparently that quote applies to home loans as… Read More 6 min read

  • silver city ga tranquility close to the big city

    Silver City, Georgia: Tranquility Within Easy Reach of The Big City

    Key Takeaways: Whether you’re a first-time homebuyer or an experienced homeowner looking to move to a quieter and more affordable area,… Read More 7 min read

  • USDA Loans for first time homebuyers

    A USDA Loan Can Open Doors for First-Time Homebuyers

    Key Takeaways: Home ownership has long been part of the American dream, but in recent years, soaring house prices and high… Read More 7 min read

  • usda loans- full financing no down payment

    Understanding a USDA Loan: 100% Financing Means No Down Payment

    Key Takeaways: A cozy bungalow where I can unwind after work.  A property with a big yard for the kids, with… Read More 6 min read

  • Georgia usda eligible properties

    Just Peachy: USDA-Approved Growing Areas Still Thriving in Georgia

    Key Takeaways: Imagine this: You’re house hunting in Georgia, and you’ve got an eye on your budget and another on the… Read More 6 min read

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Today's Mortgage Rates for
December, 14 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 4


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