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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.

  • Atlanta Housing Market Deep Dive

    The Atlanta Housing Market Deep Dive from Your Mortgage Lenders in Georgia

    As mortgage rates in Georgia are poised to drop later this year, buyers and sellers alike are anxious about what the… Read 6 min read

  • Buying a house while self employed

    The Ins and Outs of Buying a Home While Self-Employed

    For many, the idea of buying a home for the first time is associated with a certain level of financial stability… Read 6 min read

  • Co-buying could help first time homebuyers get a house

    Can Co-Buying Help You Get the House You Need?

    Here’s a simple truth – purchasing a home is difficult today. The volatile nature of the housing market and the high… Read 6 min read

  • Refinance without closing costs

    Can I Refinance My Mortgage Without Closing Costs?

    For many homeowners seeking to save money and consolidate debt, mortgage refinancing can be an attractive option. However, the cost to… Read 6 min read

  • HELOC or refi and a mortgage calculator that helps

    HELOC or a Cash Out Refi? This Cash Out Refinance Calculator is a Great Place to Start.

    We live in a culture of more. Once you meet one goal, another can swiftly replace it. A recent Gallup survey… Read 6 min read

  • Mortgage rate cuts and why you shouldnt wait

    Mortgage Rate Cuts and Why You Shouldn’t Wait for Them

    If you’re a first time home buyer starting to shop around or an experienced one ready for something new, you probably… Read 6 min read

  • closing costs on a $550,000 house

    How Much Are Closing Costs on a $550,000 House?

    Closing cost are comprised of a few different fees or taxes associated with the mortgage process. you’ll find that closing costs… Read 2 min read

  • House hunting, start with a realtor and a good mortgage calculator

    House Hunting? Start With a Good Realtor, and the Mortgage Calculator Georgia Residents Prefer

    If you’re in the market to buy or sell a home, getting a good broker and lender is equally important to… Read 6 min read

  • Mortgage calculator and mortgage rate tools

    Stress Reduction: The Mortgage Calculator Georgia Residents Love and Other Mortgage Rate Tools

    “Buying a home is so easy and stress-free!” Said no one ever. From the jargon to the multi-step process, there’s much… Read 6 min read

  • mortgage glossary for first time homebuyer

    Mortgage Jargon: A Glossary for the First Time Home Buyer

    If you’ve decided to buy a home, you might feel a mix of excitement and intimidation. It’s a smart investment, but… Read 6 min read

  • Finding the best mortgage lender in georgia

    For Less Stress During Your House Hunt— Find the Right Mortgage Lenders in Georgia

    As mortgage rates in Georgia steadily decrease, the buyers’ market competition increases. In theory, this is great for both first-time homebuyers… Read 6 min read

  • mortgage calculators and saving strategies

    From a Mortgage Calculator to Saving Strategies: The Lowdown on Down Payments

    If you’re a first time home buyer, you’re still learning about the overall real estate process. It can feel complicated, filled… Read 6 min read

  • mortgage case study - FHA Loan Challenge

    Case Study #14 – FHA Loan Challenge

    The Client Background During the Covid lockdown, Alex cosigned on an FHA mortgage with his mother. They lived together during the… Read 4 min read

  • How to Get Pre Approved for a Mortgage in Georgia

    If you’re considering buying a home, recent headlines might make you hesitate. The housing market has seen its fair share of… Read 6 min read

  • the impact your credit score has when buying a house

    The Impact Your Credit Score Has on Buying a Home

    There are seemingly countless things to consider and responsibilities to uphold during the home-buying process. With so many factors determining whether… Read 6 min read

  • calculate your cash-out refinance

    Calculate the Cost to Refinance Your Mortgage with a Cash-Out Refinance

    They say, “Cash is king,” but his highness has left the building for many Americans. It’s harder than ever to save,… Read 6 min read

  • pre-approvals, fha loans, and upfront approval guarantees

    Pre-approvals, FHA loans, and Upfront Approval Guarantees, Oh My!

    Ready to start your house hunt but not sure how?  First time homebuyers are stressed. It’s overwhelming, terrifying, exciting, and difficult… Read 5 min read

  • mortgage refinance debt consolidation strategy

    Mortgage Refinancing: Your Debt Consolidation Strategy

    Financial hardship is one of the toughest types of stress to deal with, and Americans are feeling the sting. Total household… Read 6 min read

  • multigenerational living-a-guide-to-buying a home with family

    Multigenerational Living: A Guide to Buying a Home With Family Members

    Close-knit families across the country are taking the unconventional route when it comes to cohabitation. They’re opting to buy homes together… Read 6 min read

  • A gift of equity could help you buy a house

    How a Gift of Equity Could Help You Meet the Requirements to Buy a House

    The real estate market hasn’t been as friendly to the first time home buyer as of late. Between high interest rates… Read 6 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 7


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