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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.

  • 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 More 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 More 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 More 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 More 6 min read

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

    Buy, Sell, or Both: Use the Mortgage Calculator Georgia Residents Love

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

  • mortgage glossary for first time homebuyer

    Navigating Jargon: A Glossary for the First Time Home Buyer

    If you’ve decided to buy a home, you might feel a mix of excitement and intimidation. It’s a smart investment, but… Read More 6 min read

  • Finding the best mortgage lender in georgia

    For Less Stress During Your House Hunt— Find the Right Mortgage Lenders in Georgia

    As mortgage rates in Georgia steadily decrease, the buyers’ market competition increases. In theory, this is great for both first-time homebuyers… Read More 6 min read

  • mortgage case study - FHA Loan Challenge

    Case Study #14 – FHA Loan Challenge

    The Client Background During the Covid lockdown, Alex cosigned on an FHA mortgage with his mother. They lived together during the… Read More 4 min read

  • the impact your credit score has when buying a house

    The Impact Your Credit Score Has on Buying a Home

    There are seemingly countless things to consider and responsibilities to uphold during the home-buying process. With so many factors determining whether… 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 6


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