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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.

  • mortgage glossary for first time homebuyer

    Mortgage 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 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 6 min read

  • mortgage case study - FHA Loan Challenge

    Case Study #14 – FHA Loan Challenge

    [testbox id="16149"][/testbox] The Client Loan Type - Purchase Program - FHA Loan Loan Amount - $312,750 Rate - 6.375% 30 Yr… Read 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 6 min read

  • pre-approvals, fha loans, and upfront approval guarantees

    Pre-approvals, FHA loans, and Upfront Approval Guarantees, Oh My!

    Ready to start your house hunt but not sure how?  First time homebuyers are stressed. It’s overwhelming, terrifying, exciting, and difficult… Read 5 min read

  • multigenerational living-a-guide-to-buying a home with family

    Multigenerational Living: A Guide to Buying a Home With Family Members

    Close-knit families across the country are taking the unconventional route when it comes to cohabitation. They’re opting to buy homes together… Read 6 min read

  • A gift of equity could help you buy a house

    How a Gift of Equity Could Help You Meet the Requirements to Buy a House

    The real estate market hasn’t been as friendly to the first time home buyer as of late. Between high interest rates… Read 6 min read

  • calculate your georgia mortgage rates

    Calculate Your 3% Down Payment Using the Mortgage Calculator Georgia Residents Prefer

    If you're a first-time home buyer, you may wonder how to make this real estate market work for you instead of… Read 7 min read

  • first time home buying for virtual workers

    The Nomadic Advantage: Why Virtual Workers Should Embrace Homeownership

    As of 2023, close to 13% of full-time employees work from home and 16% of companies operate fully remotely. These percentages… Read 5 min read

  • mortgage case study - Multigenerational Mortgage

    Case Study #13 – Multigenerational Household

    [testbox id="15989"][/testbox] The Client Our client came to us with the intent of purchasing a home large enough for multiple generations.… Read 2 min read

  • A guide to owning a second home.

    Beyond the Threshold: A Guide to Second Home Ownership – Part 2

    Buying a second property requires thought and careful financial planning. Timing is key. While some homeowners may feel that owning a… Read 4 min read

  • First time home buyer mistakes to avoid

    Buying a Home in Georgia: Common Mistakes for a First Time Home Buyer

    For homebuyers who have Georgia on their minds, it’s easy to be dazzled by shiny, new construction, large, custom floorplans, palatial… Read 4 min read

  • how to choose a mortgage company

    Choosing a Mortgage Company: A First-time Home Buyer’s Guide

    If you're a first-time homebuyer, the process from pre-approval to settling into a new house can be overwhelming. As thrilling as… Read 5 min read

  • A guide to owning a second home.

    Beyond the Threshold: A Guide to Second Home Ownership – Part 1

    Many people aspire to own a second home, and their motivations vary. Perhaps they want a retreat to escape the hustle… Read 4 min read

  • 7 ways to make money from a second home in georgia

    7 Smart Ways to Make Money From a Second Home in Georgia

    Are you interested in using your second home as a source of reliable income? There are plenty of ways to do… Read 6 min read

  • Young lady reading a guide to first time home buyer closing costs

    A First Time Home Buyer Guide to Closing Costs

    You may have heard the horror stories from your homeowner friends. Right when your home purchase is buttoned up, high closing… Read 6 min read

  • Real estate investing strategy for millennials

    Real Estate Investing: A Smart Strategy for Millennials

    Are you at an age where ideas like equity, assets, financial stability, and diversification are suddenly coming into focus? There’s a… Read 6 min read

  • Relocating to Georgia - Finding mortgage lenders in Georgia and mortgage rates in Georgia

    Mortgage Companies in Georgia & Some Helpful Tips for Moving to Georgia

    Often referred to as the Empire State of the South, Georgia is home to 10.8 million people, diverse in a myriad… Read 5 min read

  • mortgage rates in georgia for young professionals

    10 Reasons Why Georgia is Ideal for Young Professionals

    So much of what we do in life is impacted by where we live. Career, lifestyle, and overall happiness are closely… Read 6 min read

  • mortgage case study - millennial first time home buyers

    Case Study #12 – Millennial First Time Home Buyers

    [testbox id="15906"][/testbox] The Client A millennial couple came to us as first-time home buyers. Loan Type – Purchase Program – Conventional… Read 2 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 6


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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.