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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.

  • Falling interest rates and home prices

    What Do Falling Interest Rates Mean for Home Loans?

    On September 18, the Fed announced it would drop interest rates by 50 basis points. Even though there’s a flurry of… Read 5 min read

  • the fed controls rates and housing prices

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

    Key Takeaways: The Fed is expected to start a rate cut cycle, influencing mortgage rates. Lower rates could lead to increased… Read 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 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  A cash-out refinance is a popular way for homeowners to quickly convert the equity they’ve invested in their home… Read 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 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 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 6 min read

  • HELOC or refi and a mortgage calculator that helps

    HELOC or a Cash Out Refi? This Cash Out Refinance 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 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 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 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 7 min read

  • Mortgage Case Study - Cashout Refinance

    Case Study #11 – Cashout Refinance

    [testbox id="13708"][/testbox] The Client Our client wanted to payoff high interest credit cards to increase monthly cashflow and pull extra cash… Read 2 min read

  • Mortgage Case Study - VA Cashout Refinance

    Case Study #10 – VA Cashout Refinance

    The Client Loan Type – Refinance  Program – VA Cashout  Loan Amount – $258,000  Starting Rate – 3.875%  Starting Payment – $1,301  … Read 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. Loan Type – Refinance Program –… Read 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

    [testbox id="11371"][/testbox] The Client Our client wanted to refinance his current VA loan. Loan Type – Refinance  Program – VA Streamline… Read 2 min read

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Today's Mortgage Rates for
November, 4 2026

Conventional 30 YR Fixed Rate Options

Rate APR Points Option
6.750% 6.947% 1.719 Points Lowest Rate, Higher Fees
6.990% 7.100% 0.833 Points Low Rate, Normal Fees
7.250% 7.279% 0.023 Points Competitive Rate, Less Fees
7.500% 7.527% -0.537 Points Lowest Total, Lender Credit

Conventional 15 YR Fixed Rate Options

Rate APR Points Option
6.000% 6.342% 1.887 Points Lowest Rate, Higher Fees
6.375% 6.521% 0.653 Points Low Rate, Normal Fees
6.625% 6.677% 0.061 Points Competitive Rate, Less Fees
6.875% 6.918% -0.485 Points Lowest Total, Lender Credit

FHA 30 YR Fixed Rate Options

Rate APR Points Option
6.125% 7.062% 1.854 Points Lowest Rate, Higher Fees
6.375% 7.204% 0.774 Points Low Rate, Normal Fees
6.625% 7.384% 0.064 Points Competitive Rate, Less Fees
6.875% 7.630% -0.778 Points Lowest Total, Lender Credit

FHA 15 YR Fixed Rate Options

Rate APR Points Option
5.500% 6.492% 1.659 Points Lowest Rate, Higher Fees
5.875% 6.742% 0.871 Points Low Rate, Normal Fees
6.375% 7.138% 0.206 Points Competitive Rate, Less Fees

VA 30 YR Fixed Rate Options

Rate APR Points Option
6.125% 6.541% 1.850 Points Lowest Rate, Higher Fees
6.375% 6.696% 0.852 Points Low Rate, Normal Fees
6.625% 6.871% 0.060 Points Competitive Rate, Less Fees
6.875% 7.119% -0.580 Points Lowest Total, Lender Credit

VA 15yr Fixed Rate Options

Rate APR Points Option
5.500% 6.156% 1.703 Points Lowest Rate, Higher Fees
5.875% 6.403% 0.882 Points Low Rate, Normal Fees
6.625% 7.062% 0.264 Points Competitive Rate, Less Fees

Jumbo 30 YR Fixed Rate Options

Rate APR Points Option
6.250% 6.381% 1.259 Points Lowest Rate, Higher Fees
6.375% 6.446% 0.634 Points Low Rate, Normal Fees
6.500% 6.512% 0.009 Points Competitive Rate, Less Fees
6.625% 6.636% -0.616 Points Lowest Total, Lender Credit

Jumbo 15 YR Fixed Rate Options

Rate APR Points Option
6.000% 6.331% 1.979 Points Lowest Rate, Higher Fees
6.490% 6.655% 0.922 Points Low Rate, Normal Fees
6.625% 6.653% 0.068 Points Competitive Rate, Less Fees
6.750% 6.768% -0.432 Points Lowest Total, Lender Credit

USDA 30 YR Fixed Rate Options

Rate APR Points Option
6.125% 6.759% 1.511 Points Lowest Rate, Higher Fees
6.750% 7.238% -0.768 Points Lowest Total, Lender Credit

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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.