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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.

  • 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

  • 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 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 7 min read

  • 6 sneaky cost to avoid as a first time homebuyer

    6 Sneaky Costs First Time Home Buyers Should Know About

    Key Facts:  First-time homebuyers from younger generations are experiencing hidden costs in the home purchasing process that leave them with regrets.… Read 6 min read

  • shrink your home purchase timeline

    Shrink Your Home Purchase Timeline with a Powerful Offer

    When you’ve found the perfect Georgia home, it’s natural to feel a sense of urgency around finalizing the purchase. But there… Read 6 min read

  • closing costs on a $225,000 house

    How Much Are Closing Costs on a $225,000 House?

    Closing cost are the different fees associated with the mortgage process. For the most part, you can expect to pay between… Read 2 min read

  • waiving the finance contingency

    Strengthen Your Home Offer By Waiving Financing Contingency

    The housing market has been pretty wild for the last few years and homebuyers have had to bear the brunt. Home… Read 6 min read

  • how to budget for buying your first home

    How to Budget for Buying Your First Home

    Purchasing your first home can be terrifying. On top of navigating a process you have no experience with, the financial stress… Read 6 min read

  • Buy, sell or both. a mortgage calculator for georgia restaurants

    How to Sell Your Home and Buy One at the Same Time

    When it comes to buying a house, timing is everything! Managing one mortgage is tough, imagine juggling two or, worse, having… Read 6 min read

  • the best mortgage company and a custom mortgage rate

    How to Pick the Best Mortgage Company & Get a Custom Rate

    From first time home buyers to experienced ones, many homebuyers enter the market with excitement but limited knowledge about the financial… Read 5 min read

  • choosing a mortgage lender national vs local

    Choosing a Mortgage Lender: National vs Local

    We all wish buying a home could be as easy as shopping for patio furniture. A lot goes into purchasing a… Read 6 min read

  • hybrid mortgage lenders are the best lenders

    The Best Mortgage Companies are Hybrid Lenders – Here’s Why

    When you’re a first time home buyer or knowledgeable property investor, understanding the nuances of mortgage financing is crucial. Among the… Read 6 min read

  • new house vs old house which is right for you

    Old House vs New House: Which is Right for You?

    It’s a question as old as time – or as old as houses. Should you buy a new home or spring… Read 6 min read

  • Spring homebuying season

    Spring into Action: A Comprehensive Guide to Winning in a Busy Spring Housing Market

    The cost to refinance a mortgage or buy a home impacts experienced homeowners and first-time buyers alike. For the well-prepared, the… Read 6 min read

  • Atlanta Housing Market Deep Dive

    The Atlanta Housing Market Deep Dive from Your Mortgage Lenders in Georgia

    As mortgage rates in Georgia are poised to drop later this year, buyers and sellers alike are anxious about what the… Read 6 min read

  • Buying a house while self employed

    The Ins and Outs of Buying a Home While Self-Employed

    For many, the idea of buying a home for the first time is associated with a certain level of financial stability… Read 6 min read

  • Co-buying could help first time homebuyers get a house

    Can Co-Buying Help You Get the House You Need?

    Here’s a simple truth - purchasing a home is difficult today. The volatile nature of the housing market and the high… Read 6 min read

  • Mortgage rate cuts and why you shouldnt wait

    Mortgage Rate Cuts and Why You Shouldn’t Wait for Them

    If you’re a first time home buyer starting to shop around or an experienced one ready for something new, you probably… Read 6 min read

  • closing costs on a $550,000 house

    How Much Are Closing Costs on a $550,000 House?

    Closing cost are comprised of a few different fees or taxes associated with the mortgage process. you'll find that closing costs… Read 2 min read

  • House hunting, start with a realtor and a good mortgage calculator

    House Hunting? Start With a Good Realtor, and the Mortgage Calculator Georgia Residents Prefer

    If you're in the market to buy or sell a home, getting a good broker and lender is equally important to… Read 6 min read

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Today's Mortgage Rates for
October, 21 2026

Conventional 30 YR Fixed Rate Options

Rate APR Points Option
6.875% 7.076% 1.746 Points Lowest Rate, Higher Fees
7.125% 7.231% 0.786 Points Low Rate, Normal Fees
7.250% 7.290% 0.128 Points Competitive Rate, Less Fees
7.500% 7.527% -0.435 Points Lowest Total, Lender Credit

Conventional 15 YR Fixed Rate Options

Rate APR Points Option
6.125% 6.485% 1.993 Points Lowest Rate, Higher Fees
6.375% 6.573% 0.979 Points Low Rate, Normal Fees
6.750% 6.832% 0.249 Points Competitive Rate, Less Fees
7.000% 7.043% -0.489 Points Lowest Total, Lender Credit

FHA 30 YR Fixed Rate Options

Rate APR Points Option
6.375% 7.299% 1.674 Points Lowest Rate, Higher Fees
6.625% 7.463% 0.814 Points Low Rate, Normal Fees
6.750% 7.542% 0.361 Points Competitive Rate, Less Fees
6.990% 7.747% -0.617 Points Lowest Total, Lender Credit

FHA 15 YR Fixed Rate Options

Rate APR Points Option
5.875% 6.857% 1.558 Points Lowest Rate, Higher Fees
6.125% 7.015% 0.985 Points Low Rate, Normal Fees

VA 30 YR Fixed Rate Options

Rate APR Points Option
6.375% 6.785% 1.724 Points Lowest Rate, Higher Fees
6.625% 6.961% 0.945 Points Low Rate, Normal Fees
6.750% 7.031% 0.387 Points Competitive Rate, Less Fees
7.000% 7.245% -0.640 Points Lowest Total, Lender Credit

VA 15yr Fixed Rate Options

Rate APR Points Option
5.750% 6.458% 1.988 Points Lowest Rate, Higher Fees
6.500% 7.032% 0.845 Points Low Rate, Normal Fees

Jumbo 30 YR Fixed Rate Options

Rate APR Points Option
6.375% 6.551% 1.704 Points Lowest Rate, Higher Fees
6.625% 6.680% 0.454 Points Competitive Rate, Less Fees
6.625% 6.680% 0.454 Points Competitive Rate, Less Fees
6.875% 6.886% -0.546 Points Lowest Total, Lender Credit

Jumbo 15 YR Fixed Rate Options

Rate APR Points Option
6.125% 6.445% 1.899 Points Lowest Rate, Higher Fees
6.490% 6.632% 0.781 Points Low Rate, Normal Fees
6.750% 6.771% 0.024 Points Competitive Rate, Less Fees
6.990% 7.008% -0.648 Points Lowest Total, Lender Credit

USDA 30 YR Fixed Rate Options

Rate APR Points Option
6.250% 6.925% 1.888 Points Lowest Rate, Higher Fees
6.500% 7.071% 0.840 Points Low Rate, Normal Fees
6.750% 7.249% 0.107 Points Competitive Rate, Less Fees
6.875% 7.364% -0.404 Points Lowest Total, Lender Credit

Home | Atlanta Neighborhoods | Page 5


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Founded in 2015, Moreira Team | MortgageRight is a boutique mortgage lender built to cater towards your financial needs, finding the best loan for your unique situation. We believe in a consultative “done-for-you” approach to getting a mortgage. That’s a fancy way of saying we treat you like family and make sure everything goes smooth. We also shop your loan with over 28 lenders and banks to make sure we deliver on our promise to get you the best deal. Close in as little as 17 days – with a low rate and a better payment.

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All loans are subject to credit approval. Rates, terms, and program availability are subject to change without notice. This information is for educational purposes only and does not constitute a commitment to lend. Additional restrictions may apply.