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Moreira Team Mortgage Blog

Read articles on the latest mortgage news, with answers to frequently asked questions and tips for your next home loan.

  • real estate

    Guide to DSCR Loans 2023

    Multifamily DSCR loans are becoming increasingly popular for real estate investors. If you’re considering investing in multifamily properties, it’s important to… Read More 15 min read

  • preferred lender?

    Pros and Cons of Working with a Preferred Lender in GA 2023

    In many home buying situations, your real estate agent will recommend a “preferred lender.” This is a mortgage lender they have… Read More 3 min read

  • Down payment amount on a $375,000 house

    How Much is the Down Payment for a $375,000 Home?

    Ideally, the down payment on any home purchase should be at least 20%, although recent changes in lending have resulted in… Read More 4 min read

  • Atlanta home loans

    Find the Best Mortgage Brokers in Atlanta – Compare Rates & 5 Star Reviews

    Are you searching for the best mortgage brokers in Atlanta? Finding the right professional when it comes to mortgages can be… Read More 17 min read

  • Georgia closing costs

    Top 3 Mortgage Closing Costs: What is the Attorney Fee for Closing on a House?

    Closing costs can seem daunting but they don’t have to be. This guide will help you become well informed before you… Read More 4 min read

  • mortgage refinance

    What is a Preferred Lender and Should You Use Them? 5 Top Questioned Answered

    Simply put, a preferred lender is a mortgage lender or mortgage broker who is recommended from a specific source. Your real… Read More 4 min read

  • 10% down jumbo loan

    Great Tips On How to Get a Jumbo Loan with 10 Down

    Jumbo loans with 10 down are not as uncommon as you might think. Many home buyers are looking to buy more… Read More 4 min read

  • Down payment amount on a $700,000 house

    How Much is a Down Payment Amount on a $700,000 Home?

    Ideally, the down payment on any new home purchase should be at least 20%, although recent changes in lending have resulted… Read More 4 min read

  • Down payment amount on a $475,000 house

    What’s the Down Payment on a $475,000 Home?

    The typical down payment on any new home purchase is ideally at least 20%, although recent changes in lending have resulted… Read More 4 min read

  • Down payment amount on a $550,000 house

    How Much is a Down Payment for a $550,000 Home?

    Ideally, the down payment on any new home purchase should ideally be at least 20%, although recent changes in lending have… Read More 4 min read

  • USDA Home Loan Cashout your equity

    Can I Cash Out Home Equity with a USDA Loan?

    There are many homeowners out there with USDA home loans. USDA loans offer many great benefits to home buyers in rural… Read More 4 min read

  • Down payment amount on a $250,000 house

    What is the Down Payment Amount on a $250,000 Home?

    Ideally, the down payment on any new home purchase should ideally be at least 20%, although recent changes in lending have… Read More 4 min read

  • How to qualify for a cashout refinance

    How to Qualify for a Cash-Out Refinance

    When it comes to a cash-out refinance, a high credit score is an absolute must. A lower credit score can result… Read More 7 min read

  • Cashout Refinance guide and Rates

    FHA Cash-Out Refinance Guidelines and Mortgage Rates for 2022

    If you’re planning to refinance your current mortgage, it’s important to learn about FHA cash-out refinance guidelines. They’ll help you determine… Read More 7 min read

  • What is the down payment for a $300,000 house?

    How Much is the Down Payment for a $300,000 House?

    The down payment on a new home should be at least twenty percent, although recent changes in lending have resulted in… Read More 8 min read

  • Are conventional loan rates higher than other types of mortgages

    Are Conventional Loan Rates Higher Than Other Mortgages?

    Conventional loans are the bedrock of mortgage lending. Probably the cheapest mortgage options to refinance or finance, conventional loans are readily… Read More 10 min read

  • how to remove PMI

    How to Remove PMI: Get Rid of Conventional PMI or FHA MIP

    Eliminate Mortgage Insurance Premiums PMI can be a huge cost for homeowners – usually $100 to $300 every month. Fortunately, you… Read More 14 min read

  • getting a usda home loan in atlanta

    How to Get a USDA Home Loan in Atlanta

    There are several good reasons why you may want to seek out a USDA home loan when buying a home in… Read More 4 min read

  • Which type of mortgage companyWill Offer you the best deal

    4 Mortgage Lenders: Which Has the “Best Deal”?

    There are 4 main types of mortgage companies, and the best one for you will depend on your unique circumstance: Banks… Read More 6 min read

  • What is the average mortgage payment

    What is the Average Mortgage Payment in Atlanta, GA?

    Most Atlanta home buyers are looking at one thing when it comes to their mortgage loans: How much is my monthly… Read More 4 min read

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Today's Mortgage Rates for
December, 14 2025

Conventional 30 YR Fixed Rate Options

Rate APR Points Option
5.750% 5.942% 1.793 Points Lowest Rate, Higher Fees
5.990% 6.090% 0.802 Points Low Rate, Normal Fees
6.250% 6.293% 0.189 Points Competitive Rate, Less Fees
6.500% 6.526% -0.754 Points Lowest Total, Lender Credit

Conventional 15 YR Fixed Rate Options

Rate APR Points Option
5.000% 5.307% 1.731 Points Lowest Rate, Higher Fees
5.375% 5.523% 0.693 Points Low Rate, Normal Fees
5.625% 5.689% 0.149 Points Competitive Rate, Less Fees
5.875% 5.916% -0.544 Points Lowest Total, Lender Credit

FHA 30 YR Fixed Rate Options

Rate APR Points Option
5.500% 6.428% 1.903 Points Lowest Rate, Higher Fees
5.875% 6.687% 0.690 Points Low Rate, Normal Fees
6.000% 6.772% 0.277 Points Competitive Rate, Less Fees
6.500% 7.251% -0.795 Points Lowest Total, Lender Credit

FHA 15 YR Fixed Rate Options

Rate APR Points Option
5.125% 6.116% 1.692 Points Lowest Rate, Higher Fees
5.625% 6.469% 0.751 Points Low Rate, Normal Fees
6.125% 6.855% 0.021 Points Competitive Rate, Less Fees
6.250% 6.978% -0.482 Points Lowest Total, Lender Credit

VA 30 YR Fixed Rate Options

Rate APR Points Option
5.375% 5.767% 1.793 Points Lowest Rate, Higher Fees
5.625% 5.907% 0.595 Points Low Rate, Normal Fees
5.875% 6.140% 0.376 Points Competitive Rate, Less Fees
6.125% 6.358% -0.778 Points Lowest Total, Lender Credit

VA 15yr Fixed Rate Options

Rate APR Points Option
5.000% 5.632% 1.612 Points Lowest Rate, Higher Fees
5.500% 5.994% 0.708 Points Low Rate, Normal Fees
5.750% 6.136% 0.015 Points Competitive Rate, Less Fees
6.125% 6.513% -0.729 Points Lowest Total, Lender Credit

Jumbo 30 YR Fixed Rate Options

Rate APR Points Option
5.875% 6.053% 1.785 Points Lowest Rate, Higher Fees
6.125% 6.205% 0.731 Points Low Rate, Normal Fees
6.375% 6.396% 0.106 Points Competitive Rate, Less Fees
6.625% 6.636% -0.627 Points Lowest Total, Lender Credit

Jumbo 15 YR Fixed Rate Options

Rate APR Points Option
5.625% 5.941% 1.907 Points Lowest Rate, Higher Fees
5.875% 6.035% 0.907 Points Low Rate, Normal Fees
6.125% 6.167% 0.157 Points Competitive Rate, Less Fees
6.500% 6.518% -0.593 Points Lowest Total, Lender Credit

USDA 30 YR Fixed Rate Options

Rate APR Points Option
5.500% 6.125% 1.525 Points Lowest Rate, Higher Fees
5.625% 6.182% 0.809 Points Low Rate, Normal Fees
5.750% 6.257% 0.282 Points Competitive Rate, Less Fees
5.990% 6.472% -0.716 Points Lowest Total, Lender Credit

Home | Moreira Team Mortgage Blog | Page 10


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