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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.

  • find the best mortgage rates

    Comparing Mortgage Rates, How to Find the Best Home Loan Rates

    Introduction: What is Mortgage Rate Comparison and Why It Matters Comparing mortgage rates is the process of evaluating interest rates, APRs,… Read > 9 min read

  • how much house can i afford on a 100k salary

    How Much House Can I Afford on a 100k Salary?

    Key Takeaways On a $100,000 salary, a common example range is roughly $300,000 to $415,000, depending mainly on your down payment,… Read > 9 min read

  • current mortgage rates

    Current Rates on Mortgages: Finding and Securing the Best Home Loan Rates

    Introduction Mortgage rates continue to shape the housing market, even right now, with current rates on mortgages significantly impacting both monthly… Read > 10 min read

  • co-buying a house, your guide to shared homeownership

    Co-Buying a House: Complete Guide to Shared Homeownership in 2026

    1. Introduction: What is Co-Buying a House and Why It Matters Co-buying a house is a strategy where two or more… Read > 8 min read

  • conforming loans a guide for loan limits and requirements

    Conforming Loans: Complete Guide to Loan Limits and Requirements

    What is a Conforming Loan? A conforming loan is a conventional mortgage that meets Federal Housing Finance Agency (FHFA) dollar limits… Read > 7 min read

  • va home loans a complete guide

    VA Home Loans: Complete Guide to Veterans Housing Benefits

    Key Takeaways VA home loans let eligible veterans, active-duty service members, and certain surviving spouses buy a home with no down… Read > 8 min read

  • fha guaranteed loans, the benefits and how to qualify

    Understanding FHA Guaranteed Loans: Requirements, Benefits, and How to Qualify

    FHA guaranteed loans are government-backed mortgages that make homeownership more accessible, especially for FHA borrowers with lower credit scores or smaller… Read > 13 min read

  • how does a cashout refinance work

    Cash Out Refinances: How They Work & Key Benefits

    Want cash from your home’s equity? A cash out refinance replaces your existing mortgage with a bigger one, giving you the… Read > 15 min read

  • buy a home with student loan debt

    Can You Buy a Home with Student Loan Debt? A Quick Guide

    Short answer: Absolutely. You can qualify for a mortgage while carrying those student loans—and the Moreira Team helps buyers in Georgia… Read > 5 min read

  • veterans affairs home loan requirements

    Veterans Affairs Home Loan Requirements: Complete Eligibility Guide

    Introduction: What Are Veterans Affairs Home Loan Requirements and Why They Matter Veterans Affairs home loan requirements are specific eligibility criteria… Read > 12 min read

  • down payment assistance programs and how they can help you buy a home

    Top Down Payment Assistance Programs and How They Can Help You Buy a Home

    Down payment assistance programs help cover your down payment and closing costs, making it easier to buy a home. Most down… Read > 9 min read

  • how to lower your mortgage payments with a refinance

    The Best Refi Options: How to Lower Your Mortgage Payments Today

    Want to lower your mortgage payments or get a better interest rate? Refinancing, or refi, can make it happen. This guide… Read > 10 min read

  • fha streamline refinance

    Streamline FHA Refinance: Benefits, Rates, and Application Tips

    Need lower mortgage payments without the hassle? Streamline FHA refinance can help. This program allows homeowners with existing FHA loans to… Read > 14 min read

  • refinance with bad credit

    Top Strategies to Refinance with Bad Credit

    Refinancing a mortgage with bad credit might seem impossible, but viable options do exist. This guide covers refinancing strategies specifically including… Read > 13 min read

  • Best Refinance Rates

    Best Refinance Mortgage Rates: Finding the Lowest Rates in 2026

    What are the Best Refinance Mortgage Rates Right Now? The best refinance home rates currently range from 5.0% to 6.125% APR… Read > 5 min read

  • buying a home for the first time

    Buy a Home for First Time: Complete Guide to Your First Purchase

    1. Introduction: What is First-Time Home Buying and Why It Matters First-time home buying is a structured financial and legal process… Read > 11 min read

  • quick closing mortgage loan

    Quick Closing Mortgage Loans: How to Secure and Speed Up Your Process

    Looking to secure a mortgage loan fast? Quick closing mortgage loans can help. These loans are designed to expedite the mortgage… Read > 11 min read

  • the top mortgage lenders and finding the right loan for you

    Top Mortgage Lenders: Types, Decision Factors, and Finding the Right Loan

    Searching for the right lender? This article breaks down different mortgage lender types, key evaluation factors, and tips for choosing the… Read > 9 min read

  • home equity loans for veterans

    Best Home Equity Loan Options for Veterans

    Looking to tap into your home’s equity as a veteran? VA Home Equity Loans offer several ways to access necessary funds.… Read > 15 min read

  • Simplify your VA mortgage pre approval

    VA Mortgage Pre Approval: Your Step-by-Step Guide to Simplify the Process

    VA mortgage pre approval tells you how much you can borrow and shows sellers you are serious. It’s a must for… Read > 10 min read

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Today's Mortgage Rates for
November, 10 2026

Conventional 30 YR Fixed Rate Options

Rate APR Points Option
6.625% 6.822% 1.734 Points Lowest Rate, Higher Fees
6.875% 6.976% 0.753 Points Low Rate, Normal Fees
7.000% 7.054% 0.277 Points Competitive Rate, Less Fees
7.375% 7.402% -0.795 Points Lowest Total, Lender Credit

Conventional 15 YR Fixed Rate Options

Rate APR Points Option
5.875% 6.206% 1.827 Points Lowest Rate, Higher Fees
6.250% 6.432% 0.884 Points Low Rate, Normal Fees
6.500% 6.557% 0.091 Points Competitive Rate, Less Fees
6.875% 6.918% -0.664 Points Lowest Total, Lender Credit

FHA 30 YR Fixed Rate Options

Rate APR Points Option
5.750% 6.659% 1.662 Points Lowest Rate, Higher Fees
6.125% 6.953% 0.803 Points Low Rate, Normal Fees
6.375% 7.139% 0.142 Points Competitive Rate, Less Fees
6.500% 7.251% -0.539 Points Lowest Total, Lender Credit

FHA 15 YR Fixed Rate Options

Rate APR Points Option
5.375% 6.404% 1.895 Points Lowest Rate, Higher Fees
5.875% 6.692% 0.567 Points Low Rate, Normal Fees
6.125% 6.854% 0.015 Points Competitive Rate, Less Fees

VA 30 YR Fixed Rate Options

Rate APR Points Option
5.750% 6.138% 1.658 Points Lowest Rate, Higher Fees
6.125% 6.436% 0.799 Points Low Rate, Normal Fees
6.375% 6.634% 0.232 Points Competitive Rate, Less Fees
6.750% 6.992% -0.823 Points Lowest Total, Lender Credit

VA 15yr Fixed Rate Options

Rate APR Points Option
5.375% 6.055% 1.865 Points Lowest Rate, Higher Fees
5.875% 6.360% 0.616 Points Low Rate, Normal Fees
6.625% 7.019% 0.005 Points Competitive Rate, Less Fees

Jumbo 30 YR Fixed Rate Options

Rate APR Points Option
6.125% 6.278% 1.497 Points Lowest Rate, Higher Fees
6.250% 6.344% 0.872 Points Low Rate, Normal Fees
6.375% 6.409% 0.247 Points Competitive Rate, Less Fees
6.625% 6.636% -0.753 Points Lowest Total, Lender Credit

Jumbo 15 YR Fixed Rate Options

Rate APR Points Option
6.000% 6.315% 1.875 Points Lowest Rate, Higher Fees
6.490% 6.655% 0.922 Points Low Rate, Normal Fees
6.500% 6.580% 0.393 Points Competitive Rate, Less Fees
6.750% 6.768% -0.607 Points Lowest Total, Lender Credit

USDA 30 YR Fixed Rate Options

Rate APR Points Option
5.990% 6.623% 1.521 Points Lowest Rate, Higher Fees
6.125% 6.705% 0.973 Points Low Rate, Normal Fees
6.250% 6.751% 0.171 Points Competitive Rate, Less Fees

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Founded in 2015, Moreira Team | MortgageRight is a boutique mortgage lender built to cater towards your financial needs, finding the best loan for your unique situation. We believe in a consultative “done-for-you” approach to getting a mortgage. That’s a fancy way of saying we treat you like family and make sure everything goes smooth. We also shop your loan with over 28 lenders and banks to make sure we deliver on our promise to get you the best deal. Close in as little as 17 days – with a low rate and a better payment.

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All loans are subject to credit approval. Rates, terms, and program availability are subject to change without notice. This information is for educational purposes only and does not constitute a commitment to lend. Additional restrictions may apply.