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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.

  • 2025 is a buyers market

    The Shift Is Here: How It’s Becoming a Buyer’s Market in 2025

    For the past few years the real estate market has been a seller’s market. Limited inventory, historically low interest rates and… Read More 5 min read

  • how soon can you refinance after buying a home

    How Soon Can You Refinance After Purchasing a Home?

    If you’ve recently purchased a home, you might wonder, “How soon can you refinance after purchasing a home?” The waiting period… Read More 11 min read

  • 5% down payment on a new house

    Top Tips for Navigating a 5% Down Payment on Your New Home

    Wondering how to buy a home with just a 5% down payment? This article will present the benefits, types of loans… Read More 9 min read

  • FHA vs Conventional Mortgage Rates

    FHA vs Conventional Rates: Which Is Best for You?

    FHA loans usually have lower, stable rates while conventional mortgage rates depend more on your credit score. This article will compare… Read More 8 min read

  • best steps for buying a house

    The Best Steps for Buying a House in 2025

    Ready to buy a house? This guide breaks down the key steps for buying a house, from assessing your finances to… Read More 10 min read

  • switching jobs while buying a house

    Navigating the Challenges of Switching Jobs While Buying a House

    Switching jobs while buying a house can complicate your mortgage approval. Lenders look for job stability to ensure you can keep… Read More 10 min read

  • FNMA Cash Out Refinance

    FNMA Cash Out Refinance: Requirements and Benefits

    Wondering how you can convert your home equity into cash? A FNMA cash out refinance lets you replace your current mortgage… Read More 10 min read

  • buying a house from a family member

    Best Practices for Buying a House from a Family Member

    Buying a house from a family member can be advantageous but requires careful handling. This article will guide you through the… Read More 8 min read

  • best mortgage in atlanta

    Best Mortgage in Atlanta, GA: Your Guide to Top Lenders

    Thinking about getting a mortgage in Atlanta, GA? This guide will help you understand mortgage options, navigate the home buying process,… Read More 8 min read

  • Rural Property Loans, a guide to USDA mortgages

    Best Loan for Rural Property: Your Guide to USDA Financing

    Are you looking to buy rural property but unsure how to finance it? This guide will help you understand the various… Read More 8 min read

  • fha loans and rates

    Top FHA Loans and Rates: Compare and Save Today

    Wondering if FHA loans could be your ticket to homeownership? FHA loans open doors with their super-low down payments and flexible… Read More 11 min read

  • types of home mortgage loans

    Top 16 Types of Mortgage Loans You Should Know

    Navigating home loan options can be confusing. This article explains the different types of mortgage loans to help you find the… Read More 11 min read

  • How much money do i need to buy a house

    How Much Money Do You Need to Buy a House: A Complete Guide

    Understanding how much money you need to buy a house involves calculating the down payment, closing costs, and other fees. This… Read More 10 min read

  • 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 More 17 min read

  • family opportunity mortgage

    What is a Family Opportunity Mortgage: Benefits and Eligibility

    A Family Opportunity Mortgage is a unique loan program designed to help families purchase a home for their loved ones. A… Read More 8 min read

  • pre-approval lock in rate

    Does a Pre Approval Lock In Your Rate? What Happens If Rates Rise After You Get Pre Approved?

    Introduction to Mortgage Preapproval Mortgage preapproval is a crucial step in the homebuying process that provides a conditional agreement on how… Read More 7 min read

  • usda rural development loans

    RD Loans: Are You Eligible for a USDA Rural Development Loan?

    USDA Rural Development loans, are a type of housing loan program that helps low- and moderate-income families buy homes in rural… Read More 13 min read

  • how to buy a house with no money

    How to Buy a House with No Money: Top Strategies for Homebuyers

    Looking to purchase a house with no money? It’s possible. Many buyers opt for a minimal down payment, which allows them… Read More 9 min read

  • top tips for first time home buyers

    Top Tips for First Time Home Buyers – FHA Loans in 2025

    Are you a first-time home buyer trying to understand FHA loans? These loans, backed by the Federal Housing Administration, make buying… Read More 9 min read

  • 5 down mortgage loan

    Getting a 5% Down Mortgage Loan on Your New Home

    Dreaming of homeownership but don’t have a massive savings account? A 5% down mortgage might be your ticket to home ownership!… Read More 10 min read

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Today's Mortgage Rates for
December, 18 2025

Conventional 30 YR Fixed Rate Options

Rate APR Points Option
5.625% 5.825% 1.893 Points Lowest Rate, Higher Fees
5.990% 6.074% 0.629 Points Low Rate, Normal Fees
6.250% 6.285% 0.107 Points Competitive Rate, Less Fees
6.500% 6.526% -0.838 Points Lowest Total, Lender Credit

Conventional 15 YR Fixed Rate Options

Rate APR Points Option
4.875% 5.188% 1.775 Points Lowest Rate, Higher Fees
5.250% 5.437% 0.949 Points Low Rate, Normal Fees
5.500% 5.566% 0.160 Points Competitive Rate, Less Fees
5.875% 5.916% -0.758 Points Lowest Total, Lender Credit

FHA 30 YR Fixed Rate Options

Rate APR Points Option
5.500% 6.418% 1.810 Points Lowest Rate, Higher Fees
5.875% 6.669% 0.511 Points Low Rate, Normal Fees
6.000% 6.754% 0.095 Points Competitive Rate, Less Fees
6.375% 7.124% -0.847 Points Lowest Total, Lender Credit

FHA 15 YR Fixed Rate Options

Rate APR Points Option
5.125% 6.120% 1.715 Points Lowest Rate, Higher Fees
5.625% 6.487% 0.860 Points Low Rate, Normal Fees
6.000% 6.785% 0.361 Points Competitive Rate, Less Fees
6.250% 6.978% -0.649 Points Lowest Total, Lender Credit

VA 30 YR Fixed Rate Options

Rate APR Points Option
5.375% 5.758% 1.701 Points Lowest Rate, Higher Fees
5.625% 5.898% 0.501 Points Low Rate, Normal Fees
5.875% 6.134% 0.311 Points Competitive Rate, Less Fees
6.125% 6.358% -0.848 Points Lowest Total, Lender Credit

VA 15yr Fixed Rate Options

Rate APR Points Option
5.000% 5.636% 1.637 Points Lowest Rate, Higher Fees
5.250% 5.782% 0.963 Points Low Rate, Normal Fees
5.625% 6.059% 0.323 Points Competitive Rate, Less Fees
6.125% 6.513% -0.896 Points Lowest Total, Lender Credit

Jumbo 30 YR Fixed Rate Options

Rate APR Points Option
5.750% 5.946% 1.992 Points Lowest Rate, Higher Fees
6.125% 6.198% 0.666 Points Low Rate, Normal Fees
6.250% 6.285% 0.255 Points Competitive Rate, Less Fees
6.490% 6.501% -0.490 Points Lowest Total, Lender Credit

Jumbo 15 YR Fixed Rate Options

Rate APR Points Option
5.625% 5.932% 1.848 Points Lowest Rate, Higher Fees
5.875% 6.025% 0.848 Points Low Rate, Normal Fees
6.125% 6.158% 0.098 Points Competitive Rate, Less Fees
6.375% 6.392% -0.402 Points Lowest Total, Lender Credit

USDA 30 YR Fixed Rate Options

Rate APR Points Option
5.500% 6.115% 1.420 Points Lowest Rate, Higher Fees
5.625% 6.172% 0.703 Points Low Rate, Normal Fees
5.750% 6.249% 0.202 Points Competitive Rate, Less Fees
5.990% 6.472% -0.799 Points Lowest Total, Lender Credit

Home | Mortgage | Page 3


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