🏠 Mortgage Rates Week of June 29, 2026 — 18 Programs, Zero Lender Fees

Mortgage rates this week continue to reflect a market navigating steady economic data and measured Federal Reserve commentary heading into the second half of 2026. At American RE Group, we've published 18 rate charts across six loan programs — FHA, Conventional, Jumbo, Cash-Out, DSCR, and Bank Statement — giving buyers, homeowners, and investors a comprehensive look at where rates stand right now. FHA purchase rates on the 30-year fixed remain among the most competitive entry points for first-time home buyers putting 3.5% down, while newly added ARM options on FHA — including the 3/1 and 5/1 — offer lower initial rates for buyers who plan to sell or refinance within a few years. Conventional purchase programs at both 10% and 20% down are showing meaningful rate separation between fixed and adjustable products, with the 5/6 and 7/6 ARM options attracting attention from buyers who want to maximize purchasing power without paying a rate premium upfront. For homeowners sitting on equity, this week's Cash-Out refinance charts at 75% LTV — available in 30-year fixed, 5/1 ARM, and 7/1 ARM structures — present a disciplined opportunity to access liquidity without sacrificing long-term financial stability. Real estate investors will find two DSCR options this week, covering both purchase and cash-out refinance scenarios for income-producing single-family properties, and Bank Statement programs remain available for self-employed borrowers who need an alternative to traditional income documentation.

👉 Key takeaway: Every rate chart published this week comes with no lender fee, no processing fee, and no points — meaning the rate you see is the rate you're actually getting, with no hidden costs built into the transaction. That structure matters whether you're a first-time buyer comparing FHA to conventional, an investor running DSCR numbers on a rental property, or a homeowner evaluating whether a cash-out refinance pencils out at current rates. ARM products across FHA, Conventional, and Cash-Out programs are worth a serious look this week, as the spread between adjustable and fixed rates has widened enough to generate real monthly savings for borrowers with a defined time horizon. If you're a self-employed borrower or business owner, Bank Statement loan pricing this week reflects a market that has become more competitive for alternative documentation programs, making now a reasonable time to revisit qualification scenarios you may have shelved in prior months.

If any of these programs align with your goals — buying a home, pulling equity, refinancing into a better structure, or expanding a rental portfolio — the most valuable next step is a direct conversation with one of our loan experts. Rates shift week to week, and locking in at the right moment on the right program can make a measurable difference over the life of your loan. Reach out to the team at American RE Group today to review your specific scenario, compare program options side by side, and get a clear picture of what your numbers actually look like with zero lender fees built in.

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

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

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

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

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

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.

EVERY REALTOR HAS A STORY 📞 Call us | 888-900-5388