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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.

  • your guide to fha mortgage down payment requirements

    Complete Guide to FHA Mortgage Down Payment Requirements in 2026

    Last updated: Sept 2026. By Alvaro Moreira, NMLS #148581. Moreira Team | MortgageRight. MortgageRight NMLS #2239; Atlanta Branch NMLS #1285851. Wondering… 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

  • how soon can you refinance after buying a home

    How Soon Can You Refinance After Purchasing a Home?

    If you’ve recently purchased a home, you might wonder, “How soon can you refinance after purchasing a home?” The waiting period… Read > 11 min read

  • 5% down payment on a new house

    Top Tips for Navigating a 5% Down Payment on Your New Home

    Wondering how to buy a home with just a 5% down payment? This article will present the benefits, types of loans… Read > 9 min read

  • FHA vs Conventional Mortgage Rates

    FHA vs Conventional Rates: Which Is Best for You?

    FHA loans usually have lower, stable rates while conventional mortgage rates depend more on your credit score. This article will compare… Read > 8 min read

  • switching jobs while buying a house

    Navigating the Challenges of Switching Jobs While Buying a House

    Switching jobs while buying a house can complicate your mortgage approval. Lenders look for job stability to ensure you can keep… Read > 10 min read

  • FNMA Cash Out Refinance

    FNMA Cash Out Refinance: Requirements and Benefits

    Last updated: Sept 2026. By Alvaro Moreira, NMLS #148581. Moreira Team | MortgageRight. MortgageRight NMLS #2239; Atlanta Branch NMLS #1285851. Wondering… Read > 12 min read

  • buying a house from a family member

    Best Practices for Buying a Home From a Family Member

    Can You Buy a House From a Family Member? The short answer, yes! Buying a house from a family member can… Read > 9 min read

  • best mortgage in atlanta

    Best Mortgage in Atlanta, GA: Your Guide to Top Lenders

    Thinking about getting a mortgage in Atlanta, GA? This guide will help you understand mortgage options, navigate the home buying process,… Read > 8 min read

  • Rural Property Loans, a guide to USDA mortgages

    Best Loan for Rural Property: Your Guide to USDA Financing

    Are you looking to buy rural property but unsure how to finance it? This guide will help you understand the various… Read > 8 min read

  • fha loans and rates

    Top FHA Loans and Rates: Compare and Save Today

    Wondering if FHA loans could be your ticket to homeownership? FHA loans open doors with their super-low down payments and flexible… Read > 11 min read

  • types of home mortgage loans

    Top 16 Types of Mortgage Loans You Should Know

    Last updated: Sept 2026. By Alvaro Moreira, NMLS #148581. Moreira Team | MortgageRight. MortgageRight NMLS #2239; Atlanta Branch NMLS #1285851. Key… Read > 11 min read

  • How much money do i need to buy a house

    How Much Money Do You Need to Buy a House: A Complete Guide

    Understanding how much money you need to buy a house involves calculating the down payment, closing costs, and other fees. This… Read > 10 min read

  • how to buy a house in another state

    How to Purchase a Home in Another State: Expert Tips & Steps

    Buying a home in another state can be daunting, but with the right guidance, potential homebuyers can successfully buy a house… Read > 17 min read

  • family opportunity mortgage

    What is a Family Opportunity Mortgage: Benefits and Eligibility

    A Family Opportunity Mortgage is a unique loan program designed to help families purchase a home for their loved ones. A… Read > 8 min read

  • pre-approval lock in rate

    Does a Pre Approval Lock In Your Rate? What Happens If Rates Rise After You Get Pre Approved?

    Introduction to Mortgage Preapproval Mortgage preapproval is a crucial step in the homebuying process that provides a conditional agreement on how… Read > 7 min read

  • usda rural development loans

    RD Loans: Are You Eligible for a USDA Rural Development Loan?

    USDA Rural Development loans, are a type of housing loan program that helps low- and moderate-income families buy homes in rural… Read > 13 min read

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Today's Mortgage Rates for
October, 7 2026

Conventional 30 YR Fixed Rate Options

Rate APR Points Option
7.125% 7.289% 1.355 Points Lowest Rate, Higher Fees
7.250% 7.342% 0.645 Points Low Rate, Normal Fees
7.500% 7.535% 0.077 Points Competitive Rate, Less Fees
7.750% 7.778% -0.745 Points Lowest Total, Lender Credit

Conventional 15 YR Fixed Rate Options

Rate APR Points Option
6.375% 6.688% 1.686 Points Lowest Rate, Higher Fees
6.625% 6.809% 0.884 Points Low Rate, Normal Fees
6.875% 6.942% 0.154 Points Competitive Rate, Less Fees

FHA 30 YR Fixed Rate Options

Rate APR Points Option
6.500% 7.407% 1.485 Points Lowest Rate, Higher Fees
6.750% 7.570% 0.625 Points Low Rate, Normal Fees
7.000% 7.757% -0.674 Points Lowest Total, Lender Credit

FHA 15 YR Fixed Rate Options

Rate APR Points Option
5.875% 6.929% 1.987 Points Lowest Rate, Higher Fees

VA 30 YR Fixed Rate Options

Rate APR Points Option
6.500% 6.895% 1.553 Points Lowest Rate, Higher Fees
6.750% 7.039% 0.466 Points Competitive Rate, Less Fees
6.875% 7.125% 0.059 Points Competitive Rate, Less Fees
7.000% 7.245% -0.561 Points Lowest Total, Lender Credit

VA 15yr Fixed Rate Options

Rate APR Points Option
5.875% 6.578% 1.943 Points Lowest Rate, Higher Fees

Jumbo 30 YR Fixed Rate Options

Rate APR Points Option
6.490% 6.678% 1.818 Points Lowest Rate, Higher Fees
6.750% 6.834% 0.742 Points Low Rate, Normal Fees
6.875% 6.910% 0.247 Points Competitive Rate, Less Fees
7.125% 7.136% -0.699 Points Lowest Total, Lender Credit

Jumbo 15 YR Fixed Rate Options

Rate APR Points Option
6.125% 6.456% 1.968 Points Lowest Rate, Higher Fees
6.490% 6.643% 0.850 Points Low Rate, Normal Fees
6.750% 6.783% 0.093 Points Competitive Rate, Less Fees
6.990% 7.008% -0.578 Points Lowest Total, Lender Credit

USDA 30 YR Fixed Rate Options

Rate APR Points Option
6.375% 7.057% 1.937 Points Lowest Rate, Higher Fees
6.625% 7.212% 0.976 Points Low Rate, Normal Fees
6.875% 7.364% -0.699 Points Lowest Total, Lender Credit

Home | Moreira Team Mortgage Blog | Page 3

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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.