🏠 Mortgage Rates This Week: What Buyers and Investors Need to Know (Aug 3, 2026)

Rates shifted slightly this week, and depending on your loan type, that shift could work in your favor. We published 18 rate charts this week covering FHA, Conventional, Jumbo, Cash-Out, DSCR, and Bank Statement programs. FHA purchase rates remain competitive for first-time buyers putting 3.5% down, and we added two new ARM options on FHA this week, a 5/1 and a 3/1, for buyers who want a lower starting rate and plan to move or refinance within a few years. On the conventional side, we are showing strong pricing at both 10% and 20% down, with new 5/6 and 7/6 ARM options added for buyers who want fixed-rate stability in the early years without paying for a full 30-year rate. Cash-out refinance rates are holding at levels worth a serious look if you have equity sitting in your home and a use for it. DSCR investors will find two charts this week covering purchase and cash-out refinance, both structured around a 1:1 ratio with no lender fee and no points. Bank Statement borrowers have two programs available this week as well, which matters for self-employed clients who cannot qualify using traditional income documentation.

👉 Key takeaway: Every rate chart published this week carries no lender fee and no points. That is not a promotional offer. That is how we structure our pricing every week. For a buyer financing a $600,000 home, eliminating lender fees can save $3,000 to $6,000 at closing without touching your rate. For a refinancer or investor, those savings go straight back into your pocket or your deal. If you are comparing lenders right now, make sure you are comparing total cost, not just the rate on the flyer.

If any of these programs apply to your situation, the best next step is a quick conversation with one of our loan officers. Whether you are buying your first home, pulling cash out of a property you already own, or building a rental portfolio with DSCR financing, we can walk you through the numbers in plain language and get you to a rate lock fast. Reach out to American RE Group this week and let us show you exactly what your loan looks like before you commit to anything.

30 Yr Fixed FHA, Purchase, 3.5% DOWN, Primary Residence, 760+ FICO, Single Family or Condo, First Time Home Buyer, No Lender Fee. No Processing Fee.

NEW 5/1 ARM FHA, Purchase, 3.5% DOWN, Primary Residence, 760+ FICO, Single Family or Condo, First Time Home Buyer, No Lender Fee. No Processing Fee.

NEW 3/1 ARM FHA, Purchase, 3.5% DOWN, Primary Residence, 760+ FICO, Single Family or Condo, First Time Home Buyer, No Lender Fee. No Processing Fee.

30 Yr Fixed FULL DOC, Conventional PURCHASE, 20% DOWN, Primary Residence, Purchase, 760+ FICO, Single Family or Condo, First Time Home Buyer, No lender Fee, No Processing Fee.

Curious about rate exceptions?

Your deal could be even stronger than what you see online.

30 Yr Fixed FULL DOC, Conventional PURCHASE, 10% DOWN, Primary Residence, Purchase, 760+ FICO, Single Family or Condo, First Time Home Buyer, No Underwriting Fee, No Points, No Processing Fee

NEW 5/6 ARM Conventional FULL DOC, PURCHASE, 20% DOWN, Primary Residence, Purchase, 760+ FICO, Single Family or Condo, First Time Home Buyer, No lender Fee, No Processing Fee

NEW 7/6 ARM Conventional FULL DOC, PURCHASE, 20% DOWN, Primary Residence, Purchase, 760+ FICO, Single Family or Condo, First Time Home Buyer, No lender Fee, No Processing Fee

FULL DOC, 30 YR Fixed, CASH OUT, 75%LTV, Primary Residence, Purchase, 760+ FICO, Single Family or Condo, First Time Home Buyer, No Points, No lender Fee, No Processing Fee

FULL DOC, 5/1 ARM CASH OUT, 75%LTV, Primary Residence, Purchase, 760+ FICO, Single Family or Condo, First Time Home Buyer, No Points, No lender Fee, No Processing Fee

We Cover It, One Way or Another

Appraisal waived? Perfect. If not, the fee comes back to you at close.

FULL DOC, 7/1 ARM CASH OUT, 75%LTV, Primary Residence, Purchase, 760+ FICO, Single Family or Condo, First Time Home Buyer, No Points, No lender Fee, No Processing Fee

DSCR, Purchase, 1:1 Ratio, Investment Properties Only, 25% DOWN, 5 Year Prepay (No Prepay also available ), SFR, 760+ FICO, No Lender Fee, No Points

CASH OUT DSCR, Refinance, 1:1 Ratio, Investment Properties Only, 70% CLTV, 5 Year Prepay, SFR, 760+ FICO, No Lender Fee, No Points

12 Mo. Bank Statement, PURCHASE, 20% DOWN, Investment, 760+ FICO, Single Family or Condo, No Lender Fee, No Points

12 Mo. Bank Statement, CASH OUT, 70% LTV, Investment, 760+ FICO, Single Family or Condo, No Lender Fee, No Points

Your mortgage is not one-size-fits-all. Contact us about rate exceptions or tailored solutions to help lower your monthly payment.

JUMBO, Conventional 30 Year Fixed, SFR, Purchase, Primary Residence, Full Doc, 80% LTV, 760+ FICO, No Lender Fee. No Points, No Processing Fee

JUMBO, DSCR, SFR, Purchase, Investment, 5 Year Pre Pay, 75% LTV, 760+ FICO, No Lender Fee, No Points

JUMBO, SFR, Purchase, 12 Months Bank Statements, Primary, 75% LTV, 760+ FICO, No Lender Fee

JUMBO, Conventional 30 Year Fixed, SFR, Purchase, Primary Residence, Full Doc, 75% LTV, 760+ FICO, No Lender Fee. No Points. No Processing Fee

Our team at AmericanReGroup monitors rates every day to ensure you get the best deal. Plus, ask us about rate exceptions or personalized options that could reduce your monthly payment.

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