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Refinancing Articles

These are articles related to the refinancing process, the different options you have when it comes to refinancing your home and other helpful resources related to mortgage refinance.

  • the fed controls rates and housing prices

    The Fed’s Baton: Conducting the Symphony of Mortgage Rates and Home Prices

    Key Takeaways: The Overture: Setting the Stage Anew Whether you’re a first-time homebuyer or an experienced one, the Federal Reserve’s decisions… Read More 7 min read

  • rate change is in the air, refinance time is now

    Rate Change is in the Air: Time to Consider Your Mortgage Refinance Options

    High interest rates have held would-be home buyers at bay and made it tough for owners ready to pull the trigger… Read More 6 min read

  • get cash out of your equity with a cash out refinance

    Turn Your Home Equity Into Capital With a Cash-Out Refinance

    Key Takeaways  Is a Cash-Out Refinance Right for You? There are many ways to refinance a mortgage and even more reasons… Read More 6 min read

  • no cost refoinance - ride the rate down

    Ride the Rate Wave Down with a Rolling No-Cost Refinancing Strategy

    Homebuyers and investors are constantly watching rates to determine the best time to enter the market. No one wants to buy… Read More 6 min read

  • Refinance rates and what they mean for new homeowners

    What Mortgage Refinance Rates Mean for New Homeowners

    Whether you’re a first-time home buyer or an experienced homeowner seeking more favorable loan terms, it’s important to consider the cost… Read More 5 min read

  • Refinance without closing costs

    Can I Refinance My Mortgage Without Closing Costs?

    For many homeowners seeking to save money and consolidate debt, mortgage refinancing can be an attractive option. However, the cost to… Read More 6 min read

  • HELOC or refi and a mortgage calculator that helps

    HELOC or a Refi? This Refinance Cash Out Mortgage Calculator is a Great Place to Start.

    We live in a culture of more. Once you meet one goal, another can swiftly replace it. A recent Gallup survey… Read More 6 min read

  • mortgage refinance debt consolidation strategy

    Mortgage Refinancing: Your Debt Consolidation Strategy

    Financial hardship is one of the toughest types of stress to deal with, and Americans are feeling the sting. Total household… Read More 6 min read

  • Georgia mortgage lender can help during a divorce

    One of the Best Mortgage Lenders in Georgia Can Help During Your Divorce

    Divorce—it’s a topic not to be taken lightly, and if you’re reading this article, chances are you’re facing some tough decisions.… Read More 5 min read

  • How Do I Cancel FHA Mortgage Insurance?

    FHA mortgage insurance premium (MIP) isn’t permanent in spite of what you might have heard. While some homeowners can just let… Read More 7 min read

  • Mortgage Case Study - Cashout Refinance

    Case Study #11 – Cashout Refinance

    The Client Our client wanted to payoff high interest credit cards to increase monthly cashflow and pull extra cash for a… Read More 2 min read

  • Mortgage Case Study - VA Cashout Refinance

    Case Study #10 – VA Cashout Refinance

    The Client Client Requirement Using his VA benefits, the client wanted to cashout some equity from his home to consolidate high interest credit card debt and… Read More 2 min read

  • Mortgage Case Study - Shorter Term Refinance

    Case Study #9 – Shorter Term Refinance

    The Client Our client came to us wanting to refinance her home with a lower term. Client Requirement The client’s main goal… Read More 2 min read

  • Mortgage Case Study - VA Streamline with a Lower Payment and Lower Rate

    Case Study #3 – VA Streamline with a Lower Payment and Lower Rate

    The Client Our client wanted to refinance his current VA loan. Client Requirement The client wanted to refinance, using his VA… Read More 2 min read

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Today's Mortgage Rates for
May, 4 2026

Conventional 30 YR Fixed Rate Options

Rate APR Points Option
5.875% 6.056% 1.664 Points Lowest Rate, Higher Fees
6.125% 6.219% 0.729 Points Low Rate, Normal Fees
6.250% 6.297% 0.232 Points Competitive Rate, Less Fees
6.500% 6.526% -0.623 Points Lowest Total, Lender Credit

Conventional 15 YR Fixed Rate Options

Rate APR Points Option
5.125% 5.436% 1.749 Points Lowest Rate, Higher Fees
5.375% 5.561% 0.937 Points Low Rate, Normal Fees
5.625% 5.705% 0.250 Points Competitive Rate, Less Fees
5.875% 5.916% -0.485 Points Lowest Total, Lender Credit

FHA 30 YR Fixed Rate Options

Rate APR Points Option
5.250% 6.166% 1.839 Points Lowest Rate, Higher Fees
5.500% 6.281% 0.433 Points Competitive Rate, Less Fees
5.625% 6.400% 0.358 Points Competitive Rate, Less Fees
5.875% 6.618% -0.614 Points Lowest Total, Lender Credit

FHA 15 YR Fixed Rate Options

Rate APR Points Option
4.875% 5.822% 1.448 Points Lowest Rate, Higher Fees
5.000% 5.861% 0.904 Points Low Rate, Normal Fees
5.375% 6.096% 0.013 Points Competitive Rate, Less Fees
5.500% 6.221% -0.490 Points Lowest Total, Lender Credit

VA 30 YR Fixed Rate Options

Rate APR Points Option
5.250% 5.632% 1.714 Points Lowest Rate, Higher Fees
5.500% 5.764% 0.422 Points Competitive Rate, Less Fees
5.750% 5.980% 0.026 Points Competitive Rate, Less Fees
5.875% 6.104% -0.592 Points Lowest Total, Lender Credit

VA 15yr Fixed Rate Options

Rate APR Points Option
4.750% 5.433% 1.956 Points Lowest Rate, Higher Fees
5.125% 5.587% 0.541 Points Low Rate, Normal Fees
5.375% 5.774% 0.121 Points Competitive Rate, Less Fees
5.625% 6.007% -0.811 Points Lowest Total, Lender Credit

Jumbo 30 YR Fixed Rate Options

Rate APR Points Option
5.625% 5.788% 1.649 Points Lowest Rate, Higher Fees
5.875% 5.953% 0.732 Points Low Rate, Normal Fees
6.000% 6.038% 0.297 Points Competitive Rate, Less Fees
6.250% 6.260% -0.528 Points Lowest Total, Lender Credit

Jumbo 15 YR Fixed Rate Options

Rate APR Points Option
5.500% 5.816% 1.912 Points Lowest Rate, Higher Fees
5.750% 5.921% 0.984 Points Low Rate, Normal Fees
6.000% 6.028% 0.067 Points Competitive Rate, Less Fees
6.250% 6.267% -0.544 Points Lowest Total, Lender Credit

USDA 30 YR Fixed Rate Options

Rate APR Points Option
5.250% 5.871% 1.522 Points Lowest Rate, Higher Fees
5.375% 5.928% 0.801 Points Low Rate, Normal Fees
5.625% 6.106% 0.022 Points Competitive Rate, Less Fees

Home | Refinancing | Page 2


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