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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 long does it take to buy a house

    How Long Does it Take to Buy a Home?

    For almost every first time home buyer with common mortgage types (like the FHA loan), the purchase process lasts a month… Read 6 min read

  • georgia real estate is heating up

    The Summer Georgia Real Estate Market is Heating Up – Everything You Need to Know in July

    Key Takeaways  Is It Finally Time to Buy a Home?  Sellers list more houses each month in preparation for falling mortgage… Read 6 min read

  • closing costs and how they protect you

    An Inside Look at Closing Costs and How They Protect You

    Figuring out a home’s affordability isn’t as simple as looking at the sales price and weighing it against your budget. When… Read 7 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 6 min read

  • what to expect when you purchase a home in an HOA

    Are You Buying a Home in an HOA? Here’s What to Know

    Homebuyers seeking better mortgage rates in Georgia may be overlooking a crucial factor in their decision—the benefits, challenges, and cost of… Read 7 min read

  • buying vs renting in Georgia

    Decisions, Decisions: Buying vs Renting in Georgia

    Whether you’re a first-time home buyer or an experienced one, deciding between buying vs renting a home in Georgia can be… Read 6 min read

  • understanding mortgage escrow

    Understanding Mortgage Escrow and Why You’re Paying It

    The financial journey of buying a home doesn’t end once you close on the deal and move in. In fact, that’s… Read 7 min read

  • 6 sneaky cost to avoid as a first time homebuyer

    6 Sneaky Costs First Time Home Buyers Should Know About

    Key Facts:  First-time homebuyers from younger generations are experiencing hidden costs in the home purchasing process that leave them with regrets.… Read 6 min read

  • shrink your home purchase timeline

    Shrink Your Home Purchase Timeline with a Powerful Offer

    When you’ve found the perfect Georgia home, it’s natural to feel a sense of urgency around finalizing the purchase. But there… Read 6 min read

  • closing costs on a $225,000 house

    How Much Are Closing Costs on a $225,000 House?

    Closing cost are the different fees associated with the mortgage process. For the most part, you can expect to pay between… Read 2 min read

  • waiving the finance contingency

    Strengthen Your Home Offer By Waiving Financing Contingency

    The housing market has been pretty wild for the last few years and homebuyers have had to bear the brunt. Home… Read 6 min read

  • how to budget for buying your first home

    How to Budget for Buying Your First Home

    Purchasing your first home can be terrifying. On top of navigating a process you have no experience with, the financial stress… Read 6 min read

  • Buy, sell or both. a mortgage calculator for georgia restaurants

    How to Sell Your Home and Buy One at the Same Time

    When it comes to buying a house, timing is everything! Managing one mortgage is tough, imagine juggling two or, worse, having… Read 6 min read

  • tackling mortgage rates in georgia

    How a Dream Team Helps You Tackle Mortgage Rates in Georgia

    You’ve probably heard rumblings about the upcoming housing market. Whether you’re a first-time home buyer or an experienced one, assembling a… Read 5 min read

  • the best mortgage company and a custom mortgage rate

    How to Pick the Best Mortgage Company & Get a Custom Rate

    From first time home buyers to experienced ones, many homebuyers enter the market with excitement but limited knowledge about the financial… Read 5 min read

  • choosing a mortgage lender national vs local

    Choosing a Mortgage Lender: National vs Local

    We all wish buying a home could be as easy as shopping for patio furniture. A lot goes into purchasing a… Read 6 min read

  • hybrid mortgage lenders are the best lenders

    The Best Mortgage Companies are Hybrid Lenders – Here’s Why

    When you’re a first time home buyer or knowledgeable property investor, understanding the nuances of mortgage financing is crucial. Among the… Read 6 min read

  • new house vs old house which is right for you

    Old House vs New House: Which is Right for You?

    It’s a question as old as time – or as old as houses. Should you buy a new home or spring… Read 6 min read

  • Spring homebuying season

    Spring into Action: A Comprehensive Guide to Winning in a Busy Spring Housing Market

    The cost to refinance a mortgage or buy a home impacts experienced homeowners and first-time buyers alike. For the well-prepared, the… Read 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 5 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 6


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