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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 More 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 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
July, 27 2026

Conventional 30 YR Fixed Rate Options

Rate APR Points Option
6.250% 6.457% 1.880 Points Lowest Rate, Higher Fees
6.500% 6.611% 0.883 Points Low Rate, Normal Fees
6.625% 6.696% 0.462 Points Competitive Rate, Less Fees
6.875% 6.901% -0.566 Points Lowest Total, Lender Credit

Conventional 15 YR Fixed Rate Options

Rate APR Points Option
5.625% 5.905% 1.525 Points Lowest Rate, Higher Fees
5.875% 6.011% 0.605 Points Low Rate, Normal Fees
6.000% 6.089% 0.300 Points Competitive Rate, Less Fees
6.375% 6.417% -0.753 Points Lowest Total, Lender Credit

FHA 30 YR Fixed Rate Options

Rate APR Points Option
5.750% 6.627% 1.354 Points Lowest Rate, Higher Fees
5.875% 6.698% 0.793 Points Low Rate, Normal Fees
6.000% 6.764% 0.197 Points Competitive Rate, Less Fees
6.250% 6.997% -0.578 Points Lowest Total, Lender Credit

FHA 15 YR Fixed Rate Options

Rate APR Points Option
5.125% 6.152% 1.912 Points Lowest Rate, Higher Fees
5.500% 6.335% 0.703 Points Low Rate, Normal Fees
5.990% 6.724% 0.056 Points Competitive Rate, Less Fees
6.125% 6.851% -0.686 Points Lowest Total, Lender Credit

VA 30 YR Fixed Rate Options

Rate APR Points Option
5.750% 6.111% 1.381 Points Lowest Rate, Higher Fees
5.875% 6.179% 0.773 Points Low Rate, Normal Fees
6.000% 6.245% 0.141 Points Competitive Rate, Less Fees
6.250% 6.484% -0.479 Points Lowest Total, Lender Credit

VA 15yr Fixed Rate Options

Rate APR Points Option
5.125% 5.807% 1.908 Points Lowest Rate, Higher Fees
5.500% 5.993% 0.699 Points Low Rate, Normal Fees
5.875% 6.276% 0.102 Points Competitive Rate, Less Fees
6.125% 6.513% -0.690 Points Lowest Total, Lender Credit

Jumbo 30 YR Fixed Rate Options

Rate APR Points Option
5.875% 6.046% 1.709 Points Lowest Rate, Higher Fees
6.125% 6.191% 0.592 Points Low Rate, Normal Fees
6.375% 6.386% -0.658 Points Lowest Total, Lender Credit

Jumbo 15 YR Fixed Rate Options

Rate APR Points Option
5.625% 5.955% 1.994 Points Lowest Rate, Higher Fees
5.875% 6.039% 0.935 Points Low Rate, Normal Fees
6.125% 6.153% 0.071 Points Competitive Rate, Less Fees
6.375% 6.392% -0.475 Points Lowest Total, Lender Credit

USDA 30 YR Fixed Rate Options

Rate APR Points Option
5.750% 6.323% 0.956 Points Low Rate, Normal Fees
5.875% 6.395% 0.399 Points Competitive Rate, Less Fees
6.125% 6.608% -0.653 Points Lowest Total, Lender Credit

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