🏠 Mortgage Rates for the Week of July 27, 2026: What Buyers and Investors Need to Know

Rates held relatively steady heading into the last week of July, and that is actually good news for buyers and homeowners who have been waiting on the sidelines. This week we published 18 rate charts across six loan programs including FHA, Conventional, Jumbo, Cash-Out, DSCR, and Bank Statement loans. FHA purchase rates remain competitive for first-time buyers putting 3.5% down, and we added ARM options this week including a 3/1 and 5/1 ARM for FHA borrowers who want a lower starting rate. On the conventional side, we are showing strong pricing at both 10% and 20% down, plus new 5/6 and 7/6 ARM options for buyers who plan to sell or refinance within a few years. Cash-out refinance rates are available on 30-year fixed and ARM structures at 75% LTV, giving homeowners a real path to tap equity without paying points or lender fees. Investors have two DSCR options this week, one for purchase and one for cash-out refinance, both qualifying on rental income rather than personal income. Bank Statement loans round out the week for self-employed borrowers who cannot document income the traditional way.

👉 Key takeaway: Every rate chart published this week comes with no lender fee, no processing fee, and in most cases 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 translates to a lower out-of-pocket cost at closing. For investors using DSCR financing, it means better cash flow from day one. If you are considering a cash-out refinance, this week is worth a serious look. Rates on the 5/1 and 7/1 ARM cash-out products are priced well for borrowers who do not need a 30-year fixed and want to keep their payment lower in the near term.

If you want to go over any of these programs or get a quote based on your specific situation, reach out to one of our loan experts at American RE Group. We will walk you through the numbers, explain which loan fits your goals, and if the timing is right, help you lock in a rate before the market shifts. A quick conversation can save you thousands over the life of your loan.

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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