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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.

  • 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

  • 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 More 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 More 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 More 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 More 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 More 5 min read

  • mortgage case study - Multigenerational Mortgage

    Case Study #13 – Multigenerational Household

    The Client Our client came to us with the intent of purchasing a home large enough for multiple generations. Client Requirements… Read More 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 More 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 More 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 More 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 More 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 More 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 More 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 More 6 min read

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

    Mortgage Companies in Georgia & Other Helpful Tips for Relocating to the Peach State

    Often referred to as the Empire State of the South, Georgia is home to 10.8 million people, diverse in a myriad… Read More 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 More 6 min read

  • mortgage case study - millennial first time home buyers

    Case Study #12 – Millennial First Time Home Buyers

    The Client A millennial couple came to us as first-time home buyers. Client Requirement A young couple (first time home buyers)… Read More 2 min read

  • small house for a first time home buyer

    Figuring Affordability: A Guide for the First Time Home Buyer

    Are you a first time home buyer starting your journey in the world of real estate? This is a life-changing step… Read More 6 min read

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Today's Mortgage Rates for
July, 27 2026

Conventional 30 YR Fixed Rate Options

Rate APR Points Option
6.250% 6.457% 1.880 Points Lowest Rate, Higher Fees
6.500% 6.611% 0.883 Points Low Rate, Normal Fees
6.625% 6.696% 0.462 Points Competitive Rate, Less Fees
6.875% 6.901% -0.566 Points Lowest Total, Lender Credit

Conventional 15 YR Fixed Rate Options

Rate APR Points Option
5.625% 5.905% 1.525 Points Lowest Rate, Higher Fees
5.875% 6.011% 0.605 Points Low Rate, Normal Fees
6.000% 6.089% 0.300 Points Competitive Rate, Less Fees
6.375% 6.417% -0.753 Points Lowest Total, Lender Credit

FHA 30 YR Fixed Rate Options

Rate APR Points Option
5.750% 6.627% 1.354 Points Lowest Rate, Higher Fees
5.875% 6.698% 0.793 Points Low Rate, Normal Fees
6.000% 6.764% 0.197 Points Competitive Rate, Less Fees
6.250% 6.997% -0.578 Points Lowest Total, Lender Credit

FHA 15 YR Fixed Rate Options

Rate APR Points Option
5.125% 6.152% 1.912 Points Lowest Rate, Higher Fees
5.500% 6.335% 0.703 Points Low Rate, Normal Fees
5.990% 6.724% 0.056 Points Competitive Rate, Less Fees
6.125% 6.851% -0.686 Points Lowest Total, Lender Credit

VA 30 YR Fixed Rate Options

Rate APR Points Option
5.750% 6.111% 1.381 Points Lowest Rate, Higher Fees
5.875% 6.179% 0.773 Points Low Rate, Normal Fees
6.000% 6.245% 0.141 Points Competitive Rate, Less Fees
6.250% 6.484% -0.479 Points Lowest Total, Lender Credit

VA 15yr Fixed Rate Options

Rate APR Points Option
5.125% 5.807% 1.908 Points Lowest Rate, Higher Fees
5.500% 5.993% 0.699 Points Low Rate, Normal Fees
5.875% 6.276% 0.102 Points Competitive Rate, Less Fees
6.125% 6.513% -0.690 Points Lowest Total, Lender Credit

Jumbo 30 YR Fixed Rate Options

Rate APR Points Option
5.875% 6.046% 1.709 Points Lowest Rate, Higher Fees
6.125% 6.191% 0.592 Points Low Rate, Normal Fees
6.375% 6.386% -0.658 Points Lowest Total, Lender Credit

Jumbo 15 YR Fixed Rate Options

Rate APR Points Option
5.625% 5.955% 1.994 Points Lowest Rate, Higher Fees
5.875% 6.039% 0.935 Points Low Rate, Normal Fees
6.125% 6.153% 0.071 Points Competitive Rate, Less Fees
6.375% 6.392% -0.475 Points Lowest Total, Lender Credit

USDA 30 YR Fixed Rate Options

Rate APR Points Option
5.750% 6.323% 0.956 Points Low Rate, Normal Fees
5.875% 6.395% 0.399 Points Competitive Rate, Less Fees
6.125% 6.608% -0.653 Points Lowest Total, Lender Credit

Home | Florida Mortgages | Page 6


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