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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.

  • 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 4 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 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 6 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 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 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 6 min read

  • fed rate cut mortgage calculator: how much can you afford?

    Fed Rate Cut Mortgage Calculator: How Much House Can You Afford Now?

    Whether you’re a first time home buyer or looking to refinance your loan, it can feel daunting trying to negotiate favorable… Read 6 min read

  • Falling interest rates and home prices

    What Do Falling Interest Rates Mean for Home Loans?

    On September 18, the Fed announced it would drop interest rates by 50 basis points. Even though there’s a flurry of… Read 5 min read

  • buy now or face a bidding war

    Checkmate the Market: Buy Now or Face the Bidding Wars to Come

    Key Takeaways: Opening Gambit: Whether You’re a First-Time or a Seasoned Pro Whether you’re a first time home buyer or an… Read 7 min read

  • Preparing for the rate rush

    How Mortgage Lenders in Georgia Help You Prepare for the Rate Rush

    Key Takeaways Whether you’re a first-time homebuyer or an experienced one, the upcoming drop in mortgage rates in Georgia has everyone… Read 6 min read

  • Georgia Neighborhoods guide

    Your Friendly Georgia Neighborhood Guide

    Key Takeaways Whether you’re a first time home buyer or a seasoned homeowner, buying now versus later is more critical than… Read 5 min read

  • school districts impact first time home buyers

    How School Districts Impact a First Time Home Buyer

    Key Takeaways For the first time home buyer, there are many competing factors to consider when choosing a house. Purchasing a… Read 6 min read

  • setting a budget from your monthly house payment

    Setting a Budget: Work Backwards from Your Monthly Payment

    Whether you’re a first-time home buyer or a 7th generation rancher who owns a third of Montana (Someone just binge-watched Yellowstone.),… Read 5 min read

  • Mortgage Advice with Alvaro

    Mortgage Advice with Alvaro: Be Ready When Mortgage Rates Drop in Georgia

    Key Takeaways: It was good news for the housing market this week as mortgage rates fell to their lowest level in… Read 6 min read

  • understanding non warrantable condos

    Understanding Non-Warrantable Condos and Their Impact on Mortgage Rates in Georgia

    Whether you’re a seasoned home buyer or just starting out in your mortgage journey, navigating the ins and outs of the… Read 6 min read

  • The importance of closing disclosures

    Key Requirements to Buy a House: The Importance of Closing Disclosures

    One of the most important and overlooked steps for a first time home buyer is to check the closing disclosure document. A… Read 6 min read

  • Decoding investment properties

    Decoding Investment Property Mortgages: Which One is Your Perfect Match?

    When it comes to mortgage rates in Georgia, picking the right investment property mortgage is like trying to choose the perfect… Read 5 min read

  • how long does it take to buy a house

    How Long Does it Take to Buy a Home?

    For almost every first time home buyer with common mortgage types (like the FHA loan), the purchase process lasts a month… Read 6 min read

  • closing costs and how they protect you

    An Inside Look at Closing Costs and How They Protect You

    Figuring out a home’s affordability isn’t as simple as looking at the sales price and weighing it against your budget. When… Read 7 min read

  • what to expect when you purchase a home in an HOA

    Are You Buying a Home in an HOA? Here’s What to Know

    Homebuyers seeking better mortgage rates in Georgia may be overlooking a crucial factor in their decision—the benefits, challenges, and cost of… Read 7 min read

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Today's Mortgage Rates for
September, 8 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 4


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