Skip to content
Moreira Team Logo 404-238-7888
  • Get Pre-Approved
  • Buy
    • Loan Process Overview
    • Upfront Approval Guarantee
    • Comparing Home Loans
    • First Time Homebuyer
    • Experienced Homebuyer
    • Investment Properties
    • Vacation Properties
    • Relocating
    • Down Payment Assistance
    • Closing Cost Assistance
  • Refinance
    • Lower Monthly Payments
    • Get Cash Out
    • Debt Consolidation
    • Refi for Veterans
    • No Closing Cost Refi
    • Divorce and Mortgage
  • Rates
    • Pick Your Rate
  • Products
    • Conventional Loan
    • FHA Loan
    • FHA 203K Loan
    • USDA Loan
    • VA Loan
    • Jumbo Loan
    • DSCR Loans
    • Bank Statement Loan
    • Physician Loans
    • Non-Warrantable Condo Loan
    • Relocation Loan
    • Down Payment Assistance
    • Conventional Refi
    • Cash-Out Refi
    • FHA Refinance
    • FHA Cash-Out Refi
    • VA Refinance
    • Jumbo Refinance
    • HECM Reverse Mortgage
  • Resources
    • Documents Checklist
    • Mortgage Calculator
    • Refinance Calculator
    • Closing Cost Calculator
    • Home Loan Comparison Tool
  • Blog
  • About Us
Get Pre-Approved Schedule
  • All
  • Case Study
  • F.A.Q.
  • Home Buying
  • Refinancing

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

Previous
Page 9 of 10
Next
✖

Today's Mortgage Rates for
January, 23 2026

Conventional 30 YR Fixed Rate Options

Rate APR Points Option
5.625% 5.811% 1.748 Points Lowest Rate, Higher Fees
5.875% 5.984% 0.902 Points Low Rate, Normal Fees
6.000% 6.064% 0.413 Points Competitive Rate, Less Fees
6.500% 6.526% -0.732 Points Lowest Total, Lender Credit

Conventional 15 YR Fixed Rate Options

Rate APR Points Option
4.875% 5.212% 1.927 Points Lowest Rate, Higher Fees
5.375% 5.495% 0.513 Points Low Rate, Normal Fees
5.500% 5.582% 0.262 Points Competitive Rate, Less Fees
5.875% 5.916% -0.519 Points Lowest Total, Lender Credit

FHA 30 YR Fixed Rate Options

Rate APR Points Option
5.500% 6.419% 1.820 Points Lowest Rate, Higher Fees
5.875% 6.690% 0.714 Points Low Rate, Normal Fees
6.000% 6.764% 0.197 Points Competitive Rate, Less Fees
6.375% 7.124% -0.523 Points Lowest Total, Lender Credit

FHA 15 YR Fixed Rate Options

Rate APR Points Option
5.125% 6.122% 1.726 Points Lowest Rate, Higher Fees
5.625% 6.470% 0.756 Points Low Rate, Normal Fees
6.250% 7.019% 0.248 Points Competitive Rate, Less Fees

VA 30 YR Fixed Rate Options

Rate APR Points Option
5.375% 5.760% 1.717 Points Lowest Rate, Higher Fees
5.625% 5.915% 0.673 Points Low Rate, Normal Fees
5.875% 6.139% 0.357 Points Competitive Rate, Less Fees
6.125% 6.358% -0.735 Points Lowest Total, Lender Credit

VA 15yr Fixed Rate Options

Rate APR Points Option
5.000% 5.639% 1.653 Points Lowest Rate, Higher Fees
5.500% 5.998% 0.728 Points Low Rate, Normal Fees
6.000% 6.412% 0.160 Points Competitive Rate, Less Fees
6.375% 6.766% -0.467 Points Lowest Total, Lender Credit

Jumbo 30 YR Fixed Rate Options

Rate APR Points Option
5.750% 5.941% 1.933 Points Lowest Rate, Higher Fees
6.125% 6.195% 0.627 Points Low Rate, Normal Fees
6.250% 6.282% 0.222 Points Competitive Rate, Less Fees
6.490% 6.501% -0.510 Points Lowest Total, Lender Credit

Jumbo 15 YR Fixed Rate Options

Rate APR Points Option
5.625% 5.938% 1.883 Points Lowest Rate, Higher Fees
5.875% 6.009% 0.742 Points Low Rate, Normal Fees
6.000% 6.046% 0.182 Points Competitive Rate, Less Fees
6.490% 6.508% -0.446 Points Lowest Total, Lender Credit

USDA 30 YR Fixed Rate Options

Rate APR Points Option
5.500% 6.124% 1.518 Points Lowest Rate, Higher Fees
5.625% 6.176% 0.745 Points Low Rate, Normal Fees
5.750% 6.263% 0.345 Points Competitive Rate, Less Fees
5.990% 6.472% -0.747 Points Lowest Total, Lender Credit

Home | Home Buying | Page 9


Contact

Address
1100 Peachtree St NE #200A
Atlanta, GA 30309

Toll Free
800-599-1563

Local
404-238-7888

Office Hours
Sunday: 8am - 8pm
Monday: 8am - 8pm
Tuesday: 8am - 8pm
Wednesday: 8am - 8pm
Thursday: 8am - 8pm
Friday: 8am - 8pm
Saturday: 8am - 8pm

Resources

  • Pick Your Rate
  • Loan Process Overview
  • Documents Checklist
  • Mortgage Guides
  • Compare Mortgage Loans
  • Mortgage Calculator
  • Closing Cost Calculator
  • Mortgage F.A.Q.
  • Mortgage Case Studies
  • Mortgage Blog
  • For Realtors
  • Contact Us
  • Press & Media
  • Schedule
  • Client Portal
  • See All Rates

Legal

  • Terms of Service
  • Privacy Policy & Legal
  • Texas Complaints / Texas Recovery Fund
  • For licensing information, go to: nmlsconsumeraccess.org
  • Sitemap

Purchase

  • Conventional
  • FHA
  • FHA 203K
  • VA
  • USDA
  • Jumbo
  • Non-Warrantable Condo Loan
  • Bank Statement Loan
  • Relocation Loans
  • Investment Property

Refinance

  • Cash Out
  • Conventional Refi
  • Reverse Mortgage
  • Home Equity Line of Credit

Moreira Team | MortgageRight

About Us
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.

Connect

© MortgageRight 2026 NMLS ID - 2239