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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.

  • 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

  • What are seller's concessions

    What Are Seller’s Concessions? A Comprehensive Guide for Buyers and Sellers

    Seller’s concessions are payments the seller makes to cover some of the buyer’s costs during a home purchase, such as closing… Read > 14 min read

  • top first time homebuyer programs

    Top First Time Home Buying Programs to Help You Secure Your Dream Home

    Want to buy your first home? First time home buying programs can help. They offer financial assistance, lower down payments, and… Read > 10 min read

  • How to get the best preapproval letter

    How to Obtain the Best Preapproval Letter for Your Mortgage

    A preapproval letter confirms how much you can borrow for a home, based on a detailed review of your finances. This… Read > 13 min read

  • alternatives to 203k loans and homestyle renovation loans

    Why a Standard FHA Loan Might Be the Smarter Choice for Your Next Home

    When house hunting, many buyers dream of finding a property with “good bones” that just needs some love—leading them to consider… Read > 2 min read

  • your guide to fha mortgage down payment requirements

    Complete Guide to FHA Mortgage Down Payment Requirements in 2026

    Wondering about the down payment needed for an FHA mortgage down payment? This guide explains the minimum requirements, factors that impact… Read > 11 min read

  • changing mortgage lenders before you close

    How to Navigate Changing Lenders Before Closing a Mortgage

    Thinking of changing lenders before closing your mortgage? This article explains why you might want to switch, how to do it,… Read > 8 min read

  • mortgage loan comparison

    Top Mortgage Loan Comparison: Find the Best Rates Today

    Looking for the best mortgage loan? Our mortgage loan comparison guide gives you the tools and tips to find the right… Read > 13 min read

  • 1031 real estate exchange rules

    Mastering 1031 Real Estate Exchange Rules: A Quick Guide

    Understanding 1031 real estate exchange rules is key to deferring capital gains taxes when swapping investment properties. This guide covers the… Read > 11 min read

  • How this year will be a buyers market

    The Shift Is Here: How 2026 Will Become a Buyer’s Market

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

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Today's Mortgage Rates for
July, 29 2026

Conventional 30 YR Fixed Rate Options

Rate APR Points Option
6.250% 6.430% 1.605 Points Lowest Rate, Higher Fees
6.500% 6.586% 0.622 Points Low Rate, Normal Fees
6.625% 6.671% 0.204 Points Competitive Rate, Less Fees
6.875% 6.901% -0.721 Points Lowest Total, Lender Credit

Conventional 15 YR Fixed Rate Options

Rate APR Points Option
5.500% 5.822% 1.794 Points Lowest Rate, Higher Fees
5.750% 5.924% 0.845 Points Low Rate, Normal Fees
6.000% 6.051% 0.062 Points Competitive Rate, Less Fees
6.250% 6.292% -0.415 Points Lowest Total, Lender Credit

FHA 30 YR Fixed Rate Options

Rate APR Points Option
5.625% 6.554% 1.893 Points Lowest Rate, Higher Fees
5.875% 6.678% 0.601 Points Low Rate, Normal Fees
5.990% 6.738% 0.034 Points Competitive Rate, Less Fees
6.250% 6.997% -0.728 Points Lowest Total, Lender Credit

FHA 15 YR Fixed Rate Options

Rate APR Points Option
5.125% 6.130% 1.777 Points Lowest Rate, Higher Fees
5.500% 6.307% 0.535 Points Low Rate, Normal Fees
5.625% 6.353% 0.040 Points Competitive Rate, Less Fees
6.125% 6.851% -0.802 Points Lowest Total, Lender Credit

VA 30 YR Fixed Rate Options

Rate APR Points Option
5.750% 6.089% 1.161 Points Lowest Rate, Higher Fees
5.875% 6.158% 0.553 Points Low Rate, Normal Fees
6.250% 6.484% -0.597 Points Lowest Total, Lender Credit

VA 15yr Fixed Rate Options

Rate APR Points Option
5.125% 5.785% 1.773 Points Lowest Rate, Higher Fees
5.500% 5.966% 0.531 Points Low Rate, Normal Fees
5.625% 6.013% 0.036 Points Competitive Rate, Less Fees
6.125% 6.513% -0.806 Points Lowest Total, Lender Credit

Jumbo 30 YR Fixed Rate Options

Rate APR Points Option
5.875% 6.020% 1.433 Points Lowest Rate, Higher Fees
6.000% 6.086% 0.808 Points Low Rate, Normal Fees
6.125% 6.153% 0.183 Points Competitive Rate, Less Fees
6.250% 6.260% -0.442 Points Lowest Total, Lender Credit

Jumbo 15 YR Fixed Rate Options

Rate APR Points Option
5.625% 5.934% 1.863 Points Lowest Rate, Higher Fees
5.875% 6.038% 0.928 Points Low Rate, Normal Fees
6.125% 6.156% 0.087 Points Competitive Rate, Less Fees
6.375% 6.392% -0.551 Points Lowest Total, Lender Credit

USDA 30 YR Fixed Rate Options

Rate APR Points Option
5.625% 6.279% 1.796 Points Lowest Rate, Higher Fees
5.750% 6.296% 0.681 Points Low Rate, Normal Fees
5.875% 6.368% 0.126 Points Competitive Rate, Less Fees
6.000% 6.482% -0.408 Points Lowest Total, Lender Credit

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