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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.

  • man pointing at a graph

    How to Pay Off Private Mortgage Insurance Early

    What is PMI and the Benefits of Paying It Off Early. After a few years of accelerated mortgage payments I paid… Read More 4 min read

  • Adjustable vs Fixed Rate Mortgage

    Adjustable or Fixed Rate Mortgage – What’s the Difference?

    Fixed Rate Mortgage Your interest rate and mortgage payments stay the same throughout the term. This means you will always know… Read More 4 min read

  • Mortgage Case Study: Investment Property Cashflow

    Case Study #1 – Investment Property Cashflow

    The Client Our client came to us wanting to purchase an investment property. Client Requirement The client wants to buy an income-producing… Read More 2 min read

  • neighborhood street

    Finding the Right Home to Buy

    It is all about location, location, location. And this one fact will determine the cost of your new home more than… Read More 5 min read

  • Mortgage Basics, Getting Started

    Getting Started with Mortgage Basics

    How Does a Mortgage Work? In plain English, a mortgage is a loan to buy a home Principal vs. InterestEarly on… Read More 3 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 More 2 min read

  • 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 More 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 More 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 More 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 More 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 More 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 More 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 More 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 More 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 More 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 More 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 More 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 More 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 More 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 More 2 min read

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Today's Mortgage Rates for
January, 22 2026

Conventional 30 YR Fixed Rate Options

Rate APR Points Option
5.625% 5.820% 1.837 Points Lowest Rate, Higher Fees
5.875% 5.991% 0.972 Points Low Rate, Normal Fees
6.125% 6.152% 0.017 Points Competitive Rate, Less Fees
6.500% 6.526% -0.593 Points Lowest Total, Lender Credit

Conventional 15 YR Fixed Rate Options

Rate APR Points Option
4.875% 5.206% 1.892 Points Lowest Rate, Higher Fees
5.375% 5.504% 0.568 Points Low Rate, Normal Fees
5.625% 5.672% 0.038 Points Competitive Rate, Less Fees
5.875% 5.916% -0.668 Points Lowest Total, Lender Credit

FHA 30 YR Fixed Rate Options

Rate APR Points Option
5.500% 6.430% 1.923 Points Lowest Rate, Higher Fees
5.875% 6.703% 0.846 Points Low Rate, Normal Fees
6.000% 6.778% 0.328 Points Competitive Rate, Less Fees
6.500% 7.251% -0.723 Points Lowest Total, Lender Credit

FHA 15 YR Fixed Rate Options

Rate APR Points Option
5.125% 6.118% 1.705 Points Lowest Rate, Higher Fees
5.625% 6.461% 0.699 Points Low Rate, Normal Fees
6.250% 7.009% 0.191 Points Competitive Rate, Less Fees

VA 30 YR Fixed Rate Options

Rate APR Points Option
5.375% 5.770% 1.821 Points Lowest Rate, Higher Fees
5.625% 5.925% 0.775 Points Low Rate, Normal Fees
5.875% 6.146% 0.428 Points Competitive Rate, Less Fees
6.125% 6.358% -0.670 Points Lowest Total, Lender Credit

VA 15yr Fixed Rate Options

Rate APR Points Option
5.000% 5.635% 1.630 Points Lowest Rate, Higher Fees
5.500% 5.988% 0.671 Points Low Rate, Normal Fees
6.000% 6.408% 0.135 Points Competitive Rate, Less Fees
6.250% 6.639% -0.423 Points Lowest Total, Lender Credit

Jumbo 30 YR Fixed Rate Options

Rate APR Points Option
5.750% 5.941% 1.933 Points Lowest Rate, Higher Fees
6.125% 6.195% 0.627 Points Low Rate, Normal Fees
6.250% 6.282% 0.222 Points Competitive Rate, Less Fees
6.490% 6.501% -0.510 Points Lowest Total, Lender Credit

Jumbo 15 YR Fixed Rate Options

Rate APR Points Option
5.625% 5.937% 1.879 Points Lowest Rate, Higher Fees
5.875% 6.007% 0.735 Points Low Rate, Normal Fees
6.000% 6.044% 0.173 Points Competitive Rate, Less Fees
6.490% 6.508% -0.446 Points Lowest Total, Lender Credit

USDA 30 YR Fixed Rate Options

Rate APR Points Option
5.500% 6.134% 1.618 Points Lowest Rate, Higher Fees
5.625% 6.186% 0.847 Points Low Rate, Normal Fees
5.750% 6.275% 0.466 Points Competitive Rate, Less Fees
5.990% 6.472% -0.629 Points Lowest Total, Lender Credit

Home | Mortgage | Page 14


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