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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.

  • 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

  • mortgage rates in georgia

    Mortgage Rates in Georgia: Buying vs Renting a House After 2024 Rate Changes?

    Key Takeaways: Many prospective homebuyers were spooked by the last few years of inflated home prices and mortgage rates in Georgia.… Read More 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 More 6 min read

  • Alpharetta GA, style and suburban comfort

    Urban Style Meets Suburban Comfort: Enjoy the Best of Both Worlds in Alpharetta, Georgia

    Key Takeaways: Are you craving big-city excitement without the chaos of downtown living? Do you love world-class dining and shopping, but… Read More 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 More 5 min read

  • johns creek ga, a neighborhood for families and investors

    Why You Should Move to Johns Creek: Exploring Georgia’s Premier Neighborhood for Families and Investors

    Key Takeaways: In 1981, a group of Georgia Tech graduates had the brilliant idea of purchasing 1,700 acres of land near… Read More 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 More 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 More 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 More 6 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 More 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 More 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 More 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 More 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. … Read More 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 More 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 More 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 More 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 More 7 min read

  • buying vs renting in Georgia

    Decisions, Decisions: Buying vs Renting in Georgia

    Whether you’re a first-time home buyer or an experienced one, deciding between buying vs renting a home in Georgia can be… Read More 6 min read

  • understanding mortgage escrow

    Understanding Mortgage Escrow and Why You’re Paying It

    The financial journey of buying a home doesn’t end once you close on the deal and move in. In fact, that’s… Read More 7 min read

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Today's Mortgage Rates for
January, 23 2026

Conventional 30 YR Fixed Rate Options

Rate APR Points Option
5.625% 5.811% 1.748 Points Lowest Rate, Higher Fees
5.875% 5.984% 0.902 Points Low Rate, Normal Fees
6.000% 6.064% 0.413 Points Competitive Rate, Less Fees
6.500% 6.526% -0.732 Points Lowest Total, Lender Credit

Conventional 15 YR Fixed Rate Options

Rate APR Points Option
4.875% 5.212% 1.927 Points Lowest Rate, Higher Fees
5.375% 5.495% 0.513 Points Low Rate, Normal Fees
5.500% 5.582% 0.262 Points Competitive Rate, Less Fees
5.875% 5.916% -0.519 Points Lowest Total, Lender Credit

FHA 30 YR Fixed Rate Options

Rate APR Points Option
5.500% 6.419% 1.820 Points Lowest Rate, Higher Fees
5.875% 6.690% 0.714 Points Low Rate, Normal Fees
6.000% 6.764% 0.197 Points Competitive Rate, Less Fees
6.375% 7.124% -0.523 Points Lowest Total, Lender Credit

FHA 15 YR Fixed Rate Options

Rate APR Points Option
5.125% 6.122% 1.726 Points Lowest Rate, Higher Fees
5.625% 6.470% 0.756 Points Low Rate, Normal Fees
6.250% 7.019% 0.248 Points Competitive Rate, Less Fees

VA 30 YR Fixed Rate Options

Rate APR Points Option
5.375% 5.760% 1.717 Points Lowest Rate, Higher Fees
5.625% 5.915% 0.673 Points Low Rate, Normal Fees
5.875% 6.139% 0.357 Points Competitive Rate, Less Fees
6.125% 6.358% -0.735 Points Lowest Total, Lender Credit

VA 15yr Fixed Rate Options

Rate APR Points Option
5.000% 5.639% 1.653 Points Lowest Rate, Higher Fees
5.500% 5.998% 0.728 Points Low Rate, Normal Fees
6.000% 6.412% 0.160 Points Competitive Rate, Less Fees
6.375% 6.766% -0.467 Points Lowest Total, Lender Credit

Jumbo 30 YR Fixed Rate Options

Rate APR Points Option
5.750% 5.941% 1.933 Points Lowest Rate, Higher Fees
6.125% 6.195% 0.627 Points Low Rate, Normal Fees
6.250% 6.282% 0.222 Points Competitive Rate, Less Fees
6.490% 6.501% -0.510 Points Lowest Total, Lender Credit

Jumbo 15 YR Fixed Rate Options

Rate APR Points Option
5.625% 5.938% 1.883 Points Lowest Rate, Higher Fees
5.875% 6.009% 0.742 Points Low Rate, Normal Fees
6.000% 6.046% 0.182 Points Competitive Rate, Less Fees
6.490% 6.508% -0.446 Points Lowest Total, Lender Credit

USDA 30 YR Fixed Rate Options

Rate APR Points Option
5.500% 6.124% 1.518 Points Lowest Rate, Higher Fees
5.625% 6.176% 0.745 Points Low Rate, Normal Fees
5.750% 6.263% 0.345 Points Competitive Rate, Less Fees
5.990% 6.472% -0.747 Points Lowest Total, Lender Credit

Home | Home Buying | Page 5


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