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F.A.Q. Articles

These articles take some of our most frequently asked mortgage questions and answer them in depth. If you would like to see a full list of our most frequently asked mortgage questions, check out our Mortgage F.A.Q. page.

  • how to buy a house in another state

    How to Purchase a Home in Another State: Expert Tips & Steps

    Buying a home in another state can be daunting, but with the right guidance, potential homebuyers can successfully buy a house… Read 17 min read

  • usda vs va loan

    USDA vs VA Loan: Best Options, Benefits, and Eligibility Explained

    Potential homebuyers with military backgrounds or those looking to settle in rural areas have excellent mortgage opportunities with VA and USDA… Read 11 min read

  • what is upfront underwriting

    What Is Upfront Underwriting? The Upfront Approval Guarantee

    If you’re asking yourself if guaranteed mortgage approval is for you, here’s what you need to know. This article will break… Read 8 min read

  • interest only jumbo loan

    Unlock Your Dream Home with Our Revolutionary 40-Year Interest Only Jumbo Loan

    If you’ve ever dreamed of owning a luxury home but felt held back by the hefty monthly mortgage payments, we have… Read 3 min read

  • is georgia a good place to live

    Georgia On Your Mind?

    Key Takeaways Is Georgia a Good Place to Live? Georgia is both cosmopolitan and quaint. It’s steeped in history and leading… Read 8 min read

  • Delayed financing for cash buyers

    What is Delayed Financing for Cash Buyers?

    How Does Delayed Financing Work For Cash Buyers? The country is currently experiencing one of its all-time most competitive housing markets,… Read 6 min read

  • preferred lender?

    Do You Have to Use a Preferred Lender?

    Many real estate agents and home builders will offer recommendations for “preferred lenders.” These are lenders who they have worked with… Read 5 min read

  • Changing jobs can affect your mortgage

    How Changing Jobs Can Affect Your Mortgage

    It can be challenging to navigate the process of moving for a new job, especially when you have a mortgage to… Read 5 min read

  • Mortgage after a divorce

    Divorce & Mortgage Your Options During Separation

    A common challenge that splitting couples face is divorcing with a mortgage. Divorce is by itself quite complicated and decisions about… Read 8 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 4 min read

  • Making an offer on a home

    How to Make an Offer on a House

    Knowing how to make an offer on a house purchase does not have to be a stressful experience when you have… Read 2 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 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 2 min read

  • How much do I need for a down payment?

    How Much Down Payment for a House?

    How Much Down Payment Do I Need to Buy a House? A down payment is the amount of money you put… Read 4 min read

  • covid forbearance

    How Much House Can I Afford?

    Mortgage Budget By reviewing how much house you can afford upfront with your Mortgage Advisor you can figure out how much you… Read 3 min read

  • home inspection checklist

    Home Inspection Checklist

    How Does a Home Inspection Work? Assuming that you put a home inspection as a condition of your offer. Once the… Read 2 min read

  • What is Private Mortgage Insurance

    What is Private Mortgage Insurance (PMI)?

    PMI stands for Private Mortgage Insurance or Insurer. These are privately-owned companies that provide mortgage insurance. They offer both standard and… Read 1 min read

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Today's Mortgage Rates for
August, 7 2026

Conventional 30 YR Fixed Rate Options

Rate APR Points Option
6.250% 6.420% 1.501 Points Lowest Rate, Higher Fees
6.375% 6.496% 0.993 Points Low Rate, Normal Fees
6.625% 6.660% 0.094 Points Competitive Rate, Less Fees
6.750% 6.776% -0.437 Points Lowest Total, Lender Credit

Conventional 15 YR Fixed Rate Options

Rate APR Points Option
5.500% 5.819% 1.776 Points Lowest Rate, Higher Fees
5.750% 5.937% 0.933 Points Low Rate, Normal Fees
6.000% 6.067% 0.161 Points Competitive Rate, Less Fees
6.250% 6.292% -0.485 Points Lowest Total, Lender Credit

FHA 30 YR Fixed Rate Options

Rate APR Points Option
5.625% 6.553% 1.876 Points Lowest Rate, Higher Fees
5.875% 6.665% 0.473 Points Competitive Rate, Less Fees
5.875% 6.665% 0.473 Points Competitive Rate, Less Fees
6.250% 6.997% -0.577 Points Lowest Total, Lender Credit

FHA 15 YR Fixed Rate Options

Rate APR Points Option
5.125% 6.128% 1.767 Points Lowest Rate, Higher Fees
5.500% 6.311% 0.560 Points Low Rate, Normal Fees
5.875% 6.605% 0.037 Points Competitive Rate, Less Fees
6.000% 6.725% -0.400 Points Lowest Total, Lender Credit

VA 30 YR Fixed Rate Options

Rate APR Points Option
5.625% 6.033% 1.899 Points Lowest Rate, Higher Fees
5.875% 6.152% 0.495 Points Competitive Rate, Less Fees
5.875% 6.152% 0.495 Points Competitive Rate, Less Fees
6.125% 6.358% -0.428 Points Lowest Total, Lender Credit

VA 15yr Fixed Rate Options

Rate APR Points Option
5.125% 5.784% 1.763 Points Lowest Rate, Higher Fees
5.500% 5.981% 0.624 Points Low Rate, Normal Fees
5.875% 6.265% 0.033 Points Competitive Rate, Less Fees
6.000% 6.386% -0.404 Points Lowest Total, Lender Credit

Jumbo 30 YR Fixed Rate Options

Rate APR Points Option
5.875% 6.012% 1.355 Points Lowest Rate, Higher Fees
6.000% 6.079% 0.730 Points Low Rate, Normal Fees
6.125% 6.145% 0.105 Points Competitive Rate, Less Fees
6.250% 6.260% -0.520 Points Lowest Total, Lender Credit

Jumbo 15 YR Fixed Rate Options

Rate APR Points Option
5.625% 5.934% 1.858 Points Lowest Rate, Higher Fees
5.875% 6.035% 0.908 Points Low Rate, Normal Fees
6.125% 6.159% 0.103 Points Competitive Rate, Less Fees
6.375% 6.392% -0.514 Points Lowest Total, Lender Credit

USDA 30 YR Fixed Rate Options

Rate APR Points Option
5.625% 6.249% 1.491 Points Lowest Rate, Higher Fees
5.750% 6.298% 0.702 Points Low Rate, Normal Fees
5.875% 6.367% 0.119 Points Competitive Rate, Less Fees
5.990% 6.472% -0.550 Points Lowest Total, Lender Credit

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