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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.

  • 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? This guide explains the minimum requirements, factors that impact the amount,… 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

    Wondering how you can convert your home equity into cash? A FNMA cash out refinance lets you replace your current mortgage… 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

    Key Takeaways Conventional loans are the most widely used mortgage type, with as little as 3% down for well qualified buyers… 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

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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

Home | Moreira Team Mortgage Blog | Page 3

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