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Mortgage Articles

Mortgage Articles and News: Before you purchase a new home or refinance your current property learn everything you can about what a mortgage is, how the mortgage process works, and how to make the best mortgage decision for your situation.

  • How to make a conditional offer on a home

    What is a Conditional Offer on a House?

    Sometimes You Have To Make a Conditional Offer In some situations you have to add conditions to an offer on a… 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

  • Mortgage Approval

    Mortgage Approval – What Should You Know?

    What Goes Into Getting a Mortgage Approval When the offer has been accepted, the next step is mortgage approval. Let your… Read 2 min read

  • closing costs on a $350,000 house

    How Much Are Closing Costs on a $350,000 House?

    Closing cost are comprised of several various fees associated with the mortgage process. In most cases the closing costs you will… Read 2 min read

  • Moving day tips

    Getting Ready for Moving Day

    Our moving day tips start with advising you to prepare well in advance for your big day. Give yourself time to… Read 3 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

  • get pre approved for a home loan

    Mortgage Pre-Approval – Is it Important?

    Getting Pre Approved for a Home Loan Before you start your home buying journey, the first thing you should do is… Read 2 min read

  • How to Buy a Second Home

    Buying a Second Home – Your Top Considerations

    Whether you’re looking into how to buy a second home or buying a vacation property we can help you determine what you… 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

  • Paying off your mortgage early

    How to Pay Off Mortgage Early?

    Mortgage Payoff Tips If you want to pay off mortgage early, you can save on the cost of your interest payments… Read 1 min read

  • What is a Home Appraisal

    Do You Need a Home Appraisal?

    What is a Home Appraisal? A home appraisal is a process in which a fair market value is assessed and applied… Read 1 min read

  • Nice Neighborhood

    Your Home Options: Types of Houses to Consider When You Decide to Buy

    What Types of Home Options are out There? We will help you to compare the different types of homes available to… 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

  • Closing Attorney and Fees

    What is a Closing Attorney and Closing Fees?

    What Closing Fees Can You Expect from a Closing Attorney?  The closing fees will first be addressed in the Good Faith… Read 5 min read

  • closing costs on a $250,000 house

    How Much Are Closing Costs on a $250,000 House?

    Closing cost are comprised of several various fees associated with the mortgage process. In most cases the closing costs you will… Read 2 min read

  • The Mortgage Process

    How the Mortgage Process Works

    Below are the necessary mortgage process steps for your home purchase. With each progressive step, you will receive a detailed email… Read 1 min read

  • Georgia closing costs

    What are Closing Costs?

    When you decide to buy or refinance a home you will most likely have to pay closing costs. Closing costs are… Read 3 min read

  • FHA vs Conventional Home Loan

    Pros and Cons: FHA Loans vs Conventional Loans

    For the majority of house hunters out there you will end up choosing between an FHA home loan and a conventional… Read 9 min read

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Today's Mortgage Rates for
July, 30 2026

Conventional 30 YR Fixed Rate Options

Rate APR Points Option
6.250% 6.429% 1.596 Points Lowest Rate, Higher Fees
6.500% 6.586% 0.626 Points Low Rate, Normal Fees
6.625% 6.671% 0.207 Points Competitive Rate, Less Fees
6.875% 6.901% -0.707 Points Lowest Total, Lender Credit

Conventional 15 YR Fixed Rate Options

Rate APR Points Option
5.500% 5.830% 1.844 Points Lowest Rate, Higher Fees
5.750% 5.943% 0.971 Points Low Rate, Normal Fees
6.000% 6.072% 0.192 Points Competitive Rate, Less Fees
6.375% 6.417% -0.769 Points Lowest Total, Lender Credit

FHA 30 YR Fixed Rate Options

Rate APR Points Option
5.750% 6.631% 1.387 Points Lowest Rate, Higher Fees
5.875% 6.687% 0.689 Points Low Rate, Normal Fees
6.125% 6.871% 0.003 Points Competitive Rate, Less Fees
6.250% 6.997% -0.514 Points Lowest Total, Lender Credit

FHA 15 YR Fixed Rate Options

Rate APR Points Option
5.125% 6.139% 1.833 Points Lowest Rate, Higher Fees
5.500% 6.328% 0.660 Points Low Rate, Normal Fees
5.990% 6.718% 0.018 Points Competitive Rate, Less Fees
6.125% 6.851% -0.695 Points Lowest Total, Lender Credit

VA 30 YR Fixed Rate Options

Rate APR Points Option
5.750% 6.098% 1.249 Points Lowest Rate, Higher Fees
5.875% 6.166% 0.641 Points Low Rate, Normal Fees
6.000% 6.232% 0.011 Points Competitive Rate, Less Fees
6.250% 6.484% -0.525 Points Lowest Total, Lender Credit

VA 15yr Fixed Rate Options

Rate APR Points Option
5.125% 5.794% 1.829 Points Lowest Rate, Higher Fees
5.500% 5.986% 0.656 Points Low Rate, Normal Fees
5.875% 6.270% 0.064 Points Competitive Rate, Less Fees
6.125% 6.513% -0.699 Points Lowest Total, Lender Credit

Jumbo 30 YR Fixed Rate Options

Rate APR Points Option
5.875% 6.029% 1.533 Points Lowest Rate, Higher Fees
6.000% 6.096% 0.908 Points Low Rate, Normal Fees
6.125% 6.162% 0.283 Points Competitive Rate, Less Fees
6.375% 6.386% -0.717 Points Lowest Total, Lender Credit

Jumbo 15 YR Fixed Rate Options

Rate APR Points Option
5.625% 5.941% 1.903 Points Lowest Rate, Higher Fees
5.875% 6.033% 0.899 Points Low Rate, Normal Fees
6.125% 6.153% 0.068 Points Competitive Rate, Less Fees
6.375% 6.392% -0.511 Points Lowest Total, Lender Credit

USDA 30 YR Fixed Rate Options

Rate APR Points Option
5.625% 6.283% 1.839 Points Lowest Rate, Higher Fees
5.875% 6.405% 0.504 Points Low Rate, Normal Fees

Home | Florida Mortgages | Page 13


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