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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.

  • 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 More 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 More 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 More 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 More 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 More 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 More 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 More 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 More 4 min read

  • Mortgage Case Study - Conventional Loan with 10% Down

    Case Study #8 – Conventional Loan with 10% Down

    The Client Our client came to us wanting to purchase a home with 10% down. Client Requirement The client is a young… Read More 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 More 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. Client Requirement The client was looking to purchase… Read More 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 More 4 min read

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

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

    The Client Our client came to us wanting to purchase a home with 100% financing. Client Requirement The client was looking… Read More 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 More 2 min read

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

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

    The Client Our client wanted to purchase a larger home located in a great school district. Client Requirement The client was… Read More 2 min read

  • Mortgage Case Study - Relocating on a Tight Schedule

    Case Study #4 – Relocating on a Tight Schedule

    The Client Our client was relocating for work and had to buy quickly. Client Requirement The client received a job offer and… Read More 2 min read

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

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

    The Client Our client was relocating to a new city and was looking for a home big enough for his family… Read More 2 min read

  • neighborhood street

    Finding the Right Home to Buy

    It is all about location, location, location. And this one fact will determine the cost of your new home more than… Read More 5 min read

  • First Time Homebuyer Checklist

    First Time Home Buyer Check List

    Are There Special Mortgages for a First Time Home Buyer? There is nothing quite like owning your first home and sense… Read More 7 min read

  • What you need to buy a house

    What Do I Need to Buy a House?

    What are Your Present Home Wants Versus Your Future Needs? Let’s face it, buying a home can be an emotional experience.… Read More 2 min read

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Today's Mortgage Rates for
December, 15 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 9


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