🏠 Mortgage Rates This Week: What Buyers and Investors Need to Know (Aug 17, 2026)

Rates moved modestly this week, and depending on your loan type, that movement either opens a door or reinforces why locking in sooner rather than later makes sense. We published 18 rate charts this week covering FHA, Conventional, Jumbo, Cash-Out, DSCR, and Bank Statement programs. FHA rates remain competitive for first-time buyers putting 3.5% down, and we added new ARM options at the 3/1 and 5/1 terms for buyers who want a lower starting rate and plan to sell or refinance within a few years. On the conventional side, both the 5/6 and 7/6 ARM products are back this week alongside the standard 30-year fixed, giving buyers with 20% down some real flexibility depending on how long they plan to hold the property. Investors will want to pay attention to the DSCR charts, which cover both purchase and cash-out refinance scenarios for income-producing properties with a 1:1 debt service coverage ratio. Self-employed borrowers and those with non-traditional income have dedicated Bank Statement loan options this week as well. 👉 Key takeaway: Every program published this week comes with no lender fee and no processing fee, and most carry no points. That means the rate you see is the rate you are actually getting, with no cost layered on top to make the numbers look better than they are. For buyers, that matters because it keeps your closing costs lean and your cash working for you. For homeowners considering a cash-out refinance at 75% LTV, the combination of no points and no lender fee makes this week a reasonable time to run the numbers. DSCR investors pulling equity out at 70% CLTV get the same clean fee structure. If you have been waiting for the right moment to act, the fee savings alone are worth a conversation.

If any of these programs sound like they fit your situation, the best next step is a quick call or message with one of our loan experts at American RE Group. We can pull your specific scenario, show you the rate that applies to your profile, and walk you through what your payment and closing costs actually look like. No pressure, no runaround. Just a straight answer so you can make a confident decision. Reach out this week while these rates and terms are current.

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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