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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.

  • 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

    Key Takeaways What is an FHA Loan? For a first time home buyer or an experienced buyer looking for an option… Read > 6 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

  • community lending program for first time home buyers

    Take Advantage of the MortgageRight Community Lending Program as a First Time Home Buyer

    If you’re a first time home buyer special lending programs can help, and the MortgageRight Community Lending Program is ideal for first… Read > 4 min read

  • Roswell, Sandy Springs and Decatur neighborhoods

    Roswell, Decatur, & Sandy Springs: Pre Approved Home Loans Put These Superb Suburbs Within Reach

    Key Takeaways: Just outside Atlanta’s 285 Perimeter lie the charming suburbs of Roswell, Decatur, and Sandy Springs. Whether you’re a first-time… Read > 7 min read

  • top myths about usda loan eligibility

    Top 5 Myths About USDA Loan Eligibility

    Key Takeaways Ralph Waldo Emerson said, “To be great is to be misunderstood.” Apparently that quote applies to home loans as… Read > 6 min read

  • USDA Loans for first time homebuyers

    A USDA Loan Can Open Doors for First-Time Homebuyers

    Key Takeaways: Home ownership has long been part of the American dream, but in recent years, soaring house prices and high… Read > 7 min read

  • usda loans- full financing no down payment

    Understanding a USDA Loan: 100% Financing Means No Down Payment

    Key Takeaways: A cozy bungalow where I can unwind after work.  A property with a big yard for the kids, with… Read > 6 min read

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Today's Mortgage Rates for
July, 31 2026

Conventional 30 YR Fixed Rate Options

Rate APR Points Option
6.250% 6.428% 1.586 Points Lowest Rate, Higher Fees
6.500% 6.585% 0.610 Points Low Rate, Normal Fees
6.625% 6.669% 0.190 Points Competitive Rate, Less Fees
6.750% 6.776% -0.432 Points Lowest Total, Lender Credit

Conventional 15 YR Fixed Rate Options

Rate APR Points Option
5.500% 5.819% 1.777 Points Lowest Rate, Higher Fees
5.750% 5.934% 0.909 Points Low Rate, Normal Fees
6.000% 6.068% 0.171 Points Competitive Rate, Less Fees
6.375% 6.417% -0.803 Points Lowest Total, Lender Credit

FHA 30 YR Fixed Rate Options

Rate APR Points Option
5.750% 6.630% 1.381 Points Lowest Rate, Higher Fees
5.875% 6.687% 0.682 Points Low Rate, Normal Fees
6.000% 6.745% 0.008 Points Competitive Rate, Less Fees
6.250% 6.997% -0.566 Points Lowest Total, Lender Credit

FHA 15 YR Fixed Rate Options

Rate APR Points Option
5.125% 6.142% 1.847 Points Lowest Rate, Higher Fees
5.500% 6.317% 0.593 Points Low Rate, Normal Fees
5.875% 6.607% 0.047 Points Competitive Rate, Less Fees
6.125% 6.851% -0.732 Points Lowest Total, Lender Credit

VA 30 YR Fixed Rate Options

Rate APR Points Option
5.750% 6.097% 1.243 Points Lowest Rate, Higher Fees
5.875% 6.166% 0.635 Points Low Rate, Normal Fees
6.000% 6.233% 0.023 Points Competitive Rate, Less Fees
6.250% 6.484% -0.670 Points Lowest Total, Lender Credit

VA 15yr Fixed Rate Options

Rate APR Points Option
5.125% 5.797% 1.843 Points Lowest Rate, Higher Fees
5.500% 5.983% 0.639 Points Low Rate, Normal Fees
5.875% 6.267% 0.043 Points Competitive Rate, Less Fees
6.125% 6.513% -0.736 Points Lowest Total, Lender Credit

Jumbo 30 YR Fixed Rate Options

Rate APR Points Option
5.875% 6.034% 1.588 Points Lowest Rate, Higher Fees
6.125% 6.191% 0.588 Points Low Rate, Normal Fees
6.375% 6.386% -0.650 Points Lowest Total, Lender Credit

Jumbo 15 YR Fixed Rate Options

Rate APR Points Option
5.625% 5.941% 1.903 Points Lowest Rate, Higher Fees
5.875% 6.034% 0.904 Points Low Rate, Normal Fees
6.125% 6.153% 0.069 Points Competitive Rate, Less Fees
6.375% 6.392% -0.511 Points Lowest Total, Lender Credit

USDA 30 YR Fixed Rate Options

Rate APR Points Option
5.750% 6.322% 0.947 Points Low Rate, Normal Fees
5.875% 6.395% 0.397 Points Competitive Rate, Less Fees

Home | Moreira Team Mortgage Blog | Page 4


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