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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.

  • Home Inspection and Appraisal Process

    Understanding the Home Inspection and Appraisal Processes

    Now that the seller has accepted your offer, you are officially ready to enter the “closing process” as the final details… Read 3 min read

  • Down payment amount on a $400,000 house

    Down Payment Amount for a $400,000 Home?

    Ideally, the down payment on any new home purchase should ideally be at least 20%, although recent changes in lending have… Read 4 min read

  • Down payment amount on a $325,000 house

    How Much is the Down Payment for a $325,000 Home?

    Ideally, the down payment on any new home purchase should ideally be at least 20%, although recent changes in lending have… Read 4 min read

  • Tips for First Time Homebuyers

    5 Mortgage Tips for First Time Home Buyers

    Buying your first home is a very exciting event. It's what the American Dream is all about. However, it is important… Read 3 min read

  • Down payment amount on a $350,000 house

    How Much is the Down Payment on a $350,000 Home?

    Ideally, the down payment on any new home purchase should ideally be at least 20%, although recent changes in lending have… Read 4 min read

  • Down payment amount on a $225,000 house

    How Much is a Down Payment for a $225,000 Home?

    Ideally, the down payment on any new home purchase should be at least 20%, although recent changes in lending have resulted… Read 4 min read

  • closing costs on a $650,000 house

    How Much Are Closing Costs on a $650,000 House?

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

  • Down payment amount on a $425,000 house

    How Much is a Down Payment for a $425,000 Home?

    Ideally, the down payment on any new home purchase should ideally be at least 20%, although recent changes in lending have… Read 4 min read

  • Down payment amount on a $575,000 house

    How Much is the Down Payment for a $575,000 Home?

    Ideally, the down payment on any new home purchase should be at least 20%, although recent changes in lending have resulted… Read 4 min read

  • closing costs on a $450,000 house

    How Much Are Closing Costs on a $450,000 House?

    Closing cost are comprised of a few different fees or taxes associated with the mortgage process. On average, closing costs on… Read 2 min read

  • Things to do and not do before buying a home

    What You Should and Should Not Do When Searching For a Home to Buy

    Searching for a home - there is something so exciting about looking for a beautiful home to move into. You can… Read 4 min read

  • Mortgage Case Study - Conventional Loan with 10% Down

    Case Study #8 – Conventional Loan with 10% Down

    [cta form="qq" align="center" color="orange"]Pick Your Rate![/cta] The Client Our client came to us wanting to purchase a home with 10% down.… Read 2 min read

  • How strong is your mortgage pre-approval

    How Strong is My Mortgage Pre-Approval?

    If you want to buy a property, the first thing that you need to do is get pre-approved for a mortgage.… Read 5 min read

  • Mortgage Case Study - Jumbo Loan Without 20% Down

    Case Study #7 – Jumbo Loan Without 20% Down

    The Client Our client came to us wanting to purchase a luxury property. Loan Type – Purchase Program – Conventional 80/10/10… Read 2 min read

  • woman looking at credit cards

    What Credit Score is Needed to Buy a House – Are You Ready?

    How to Improve Your Credit Score Before Buying a House Ever wonder what credit score is needed to buy a house?… Read 4 min read

  • Mortgage Case Study - 100% Financed, VA Purchase Loan

    Case Study #6 – 100% Financed, VA Purchase Loan

    [testbox id="11384"][/testbox] The Client Our client came to us wanting to purchase a home with 100% financing. Loan Type – Purchase … Read 2 min read

  • closing costs on a $700,000 house

    How Much Are Closing Costs on a $700,000 House?

    Closing cost are various fees associated with the mortgage process. On average the closing costs you will pay on any home… Read 2 min read

  • Mortgage Case Study - Bigger Home and Better Schools, on a Budget

    Case Study #5 – Bigger Home and a Better School Zone, on a Budget

    The Client Our client wanted to purchase a larger home located in a better school zone. Loan Type – Purchase  Program… Read 2 min read

  • Mortgage Case Study - Relocating on a Tight Schedule

    Case Study #4 – Relocating on a Tight Schedule

    [testbox id="9422"][/testbox] The Client Our client was relocating for work and had to buy quickly. Loan Type – Purchase  Program –… Read 2 min read

  • Mortgage Case Study - Low Down Payment and Specific Monthly Budget

    Case Study #2 – Low Down Payment and Specific Monthly Budget

    [testbox id="9873"][/testbox] The Client Our client was relocating to a new city and was looking for a home big enough for… 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 8


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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.