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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.

  • how to buy a house with no money

    How to Buy a House with No Money: Top Strategies for Homebuyers

    Last updated: Sept 2026. By Alvaro Moreira, NMLS #148581. Moreira Team | MortgageRight. MortgageRight NMLS #2239; Atlanta Branch NMLS #1285851. Key… Read > 9 min read

  • 5 down mortgage loan

    Getting a 5% Down Mortgage Loan on Your New Home

    Dreaming of homeownership but don’t have a massive savings account? A 5% down mortgage might be your ticket to home ownership!… Read > 10 min read

  • usda vs va loan

    USDA vs VA Loan: Best Options, Benefits, and Eligibility Explained

    Potential homebuyers with military backgrounds or those looking to settle in rural areas have excellent mortgage opportunities with VA and USDA… Read > 11 min read

  • VA Cash Out Refinance

    VA Cash Out Refinance: Maximizing Your Home Equity

    Last updated: Sept 2026. By Alvaro Moreira, NMLS #148581. Moreira Team | MortgageRight. MortgageRight NMLS #2239; Atlanta Branch NMLS #1285851. Key… Read > 7 min read

  • FHA loan for a duplex

    Everything You Need to Know About an FHA Loan for a Duplex Purchase

    So what exactly makes FHA loans such a powerful tool for duplex purchases? Well, they’re government-backed mortgage options that open doors… Read > 15 min read

  • no closing cost refinance

    The Ultimate Guide to Refinancing Home Loan with No Closing Costs

    Refinancing a home loan with no closing costs lets homeowners skip those pesky upfront fees by either tacking them onto their… Read > 9 min read

  • first time homebuyer programs

    Top First Time Home Buyer Programs in Georgia

    Are you a first time home buyer in Georgia? We’ve put together this comprehensive guide to walk you through all those… Read > 8 min read

  • what is upfront underwriting

    What Is Upfront Underwriting? The Upfront Approval Guarantee

    If you’re asking yourself if guaranteed mortgage approval is for you, here’s what you need to know. This article will break… Read > 8 min read

  • best georgia mortgage broker

    Finding the Best Georgia Mortgage Lender – A Guide to Your Best Mortgage Options

    Are you searching for the best Georgia mortgage brokers? In this article, we’ll provide you with the best mortgage options, current… Read > 9 min read

  • fha loan requirements

    Top Georgia FHA Loan Requirements You Need to Know

    Key Takeaways: FHA Loans With Good Terms In 2025, home buyers in Georgia will have a fantastic opportunity to get FHA… Read > 7 min read

  • interest only jumbo loan

    Unlock Your Dream Home with Our Revolutionary 40-Year Interest Only Jumbo Loan

    If you’ve ever dreamed of owning a luxury home but felt held back by the hefty monthly mortgage payments, we have… Read > 3 min read

  • Mortgage Refinance rates

    Mortgage Refinance Rates: A Simple Guide for Homeowners

    What is Refinancing, and Why Should You Care? Refinancing means replacing your current mortgage with a new one with better terms,… Read > 5 min read

  • how long is a mortgage preapproval good for?

    How Long is a Mortgage Preapproval Good For?

    How long is a pre approval good for? 120 days. Sometimes. But it can be different for your lender. Read on… Read > 11 min read

  • is georgia a good place to live

    Georgia On Your Mind?

    Key Takeaways Is Georgia a Good Place to Live? Georgia is both cosmopolitan and quaint. It’s steeped in history and leading… Read > 8 min read

  • buying a home in 2025

    New Year, New Home

    There’s something special about January. When we turn the calendar page to a new year, it can feel like a reset:… Read > 7 min read

  • homeone loan, a guide for first time home buyers

    Exploring the HomeOne Loan: A Comprehensive Guide for First-time Homebuyers

    Key takeaways: The 2024 market share for first-time homebuyers fell to a historic low of 24% (from 32% in 2023), while… Read > 6 min read

  • FHA Loan limit increase for 2026

    FHA Loan Limits Are Increasing for 2026: What It Means for Homebuyers

    Key Takeaways What Are FHA Loan Limits and Why Are They Increasing? If you’re a first time home buyer or even… Read > 6 min read

  • your path to home ownership

    Understanding FHA Loan Qualifications: Your Path to Homeownership

    Last updated: Sept 2026. By Alvaro Moreira, NMLS #148581. Moreira Team | MortgageRight. MortgageRight NMLS #2239; Atlanta Branch NMLS #1285851. Key… Read > 9 min read

  • getting a zero down loan

    Why Getting A 0% Down Home Loan Is Easier Than You Think

    Key Takeaways: With 80% of people under 30 thinking the American dream is a thing of the past, home ownership has… Read > 6 min read

  • More houses are hitting the market - here's how to make a strong offer

    More Houses Are Hitting the Market–Here’s How to Make the Strongest Offer Possible

    Key Takeaways If you’ve been biding your time, monitoring the housing market and interest rates, waiting for the right moment to… Read > 6 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 4

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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.