📈 Mortgage Rates Show Mixed Movement, But Opportunities Remain for Buyers

Mortgage rates this week are showing mixed movement, with FHA rates ranging from 4.625%–5.50% and Conventional loans between 5.375%–6.00%, while Cash-Out refinances ticked slightly higher to 5.625%–6.125%. Meanwhile, Jumbo, Bank Statement, and DSCR investment loan programs are holding steady, staying in the 5.875%–6.25% range, offering stability for higher loan amounts and real estate investors.

For buyers, competitive FHA pricing continues to make low down payment homeownership more accessible, while Conventional options remain strong for well-qualified borrowers. Homeowners exploring Cash-Out refinancing may still find strategic opportunities to access equity despite the slight rate uptick. Investors benefit from the stability in DSCR and Bank Statement programs, allowing them to evaluate deals with more predictable financing costs.

👉 Key Takeaway: With several programs holding steady and FHA rates still attractive, this week presents a solid opportunity to lock before the market shifts again.

If you’re considering buying, refinancing, or investing, now is a great time to review your options and run updated numbers. Connect with a mortgage professional today to see how these weekly rates can work for your goals. 🏡💰

NEW 3/1 ARM FHA, Purchase, 3.5% DOWN, Primary Residence, 740+ 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, 740+ FICO, Single Family or Condo, First Time Home Buyer, No Lender Fee. No Processing Fee.

30 Yr Fixed FHA, Purchase, 3.5% DOWN, Primary Residence, 740+ 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, 740+ FICO, Single Family or Condo, First Time Home Buyer, No lender Fee

Curious about rate exceptions?

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

NEW 5/6 ARM Conventional FULL DOC, PURCHASE, 20% DOWN, Primary Residence, Purchase, 740+ FICO, Single Family or Condo, First Time Home Buyer, No lender Fee

NEW 7/6 ARM Conventional FULL DOC, PURCHASE, 20% DOWN, Primary Residence, Purchase, 740+ FICO, Single Family or Condo, First Time Home Buyer, No lender Fee

FULL DOC, 30 YR Fixed, CASH OUT, 75%LTV, Primary Residence, Purchase, 740+ FICO, Single Family or Condo, First Time Home Buyer, No Points, No lender Fee

FULL DOC, 5/1 ARM CASH OUT, 75%LTV, Primary Residence, Purchase, 740+ FICO, Single Family or Condo, First Time Home Buyer, No Points, No lender 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, 740+ FICO, Single Family or Condo, First Time Home Buyer, No Points, No lender Fee

DSCR, Purchase, 1:1 Ratio, Investment Properties Only, 20% 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, Primary Residence, Purchase, 760+ FICO, Single Family or Condo, No Lender Fee, No Points

12 Mo. Bank Statement, CASH OUT, 70% LTV, Primary Residence, Purchase, 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, SFR, Purchase, Primary Residence, Full Doc, 75% LTV, 760+ FICO, No Lender Fee.

JUMBO, SFR, Purchase, DSCR, Investment, 70% LTV, 760+FICO, 5 Yr PrePay, No Lender Fee

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.

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