🏠 Mortgage Rates This Week: What Buyers, Investors & Homeowners Need to Know

Rates held relatively steady this week, but there is still plenty of movement worth paying attention to depending on what loan program fits your situation. On the FHA side, we are publishing three rate charts this week, including the standard 30-year fixed and two ARM options, the 5/1 and 3/1, all with no lender fee and no processing fee for first-time buyers putting 3.5% down. Conventional purchase loans are showing competitive pricing across both 20% and 10% down scenarios, and we added new ARM options there as well, including a 5/6 and a 7/6, which are worth a serious look if you plan to sell or refinance within the next several years. Cash-out refinance programs are active across fixed and ARM structures at 75% LTV, and our DSCR investor programs are running with no lender fee and no points for qualifying rental properties. Altogether we are publishing 35 rate charts this week across FHA, Conventional, Cash-Out, DSCR, Jumbo, Bank Statement, and HELOC programs, so whatever your situation looks like, there is likely a rate sheet built for it.

👉 Key takeaway: If you have been waiting on the sidelines hoping rates drop before you make a move, the more important question right now is whether the loan structure you choose matches your actual timeline and goals. A 30-year fixed gives you stability and predictability. An ARM like the 5/1 or 7/6 gives you a lower starting rate if you know you will not be in the loan long term. For investors, the DSCR cash-out option at 70% CLTV is a real opportunity to pull equity from a performing rental without needing to document personal income. Bank Statement loans are available for self-employed borrowers who cannot show traditional income on paper. And for homeowners sitting on equity, cash-out refinance rates this week are priced with no points, no lender fee, and no processing fee, which means more of your equity stays in your pocket instead of going toward closing costs.

If any of these programs sound like they might be a fit, the best next step is a quick conversation with one of our loan officers. Rates can shift day to day, and locking in at the right time matters. Reach out to the team at American RE Group and we will walk you through the numbers, pull the right rate chart for your scenario, and give you a straight answer on what makes sense for your situation right now.

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

2nd Mortgage, Home Equity Loan, 780 Credit Score, SFR, Primary, 80% Combined Loan To Value, Interest Only Payments, No Points, No Processing Fee

2nd Mortgage, Home Equity Loan, 780 Credit Score, SFR, Primary, 70% Combined Loan To Value, Interest Only Payments, No Points, No Processing Fee

2nd Mortgage, Home Equity Loan, 780 Credit Score, SFR, Primary, 60% Combined Loan To Value, Interest Only Payments, No Points, No Processing Fee

2nd Mortgage, Home Equity Line of Credit, 780 Credit Score, SFR, Primary, 80% Combined Loan To Value, Interest Only Payments, No Points, No Processing Fee

2nd Mortgage, Home Equity Line of Credit, 780 Credit Score, SFR, Primary, 70% Combined Loan To Value, Interest Only Payments, No Points, No Processing Fee

2nd Mortgage, Home Equity Line of Credit, 780 Credit Score, SFR, Primary, 60% Combined Loan To Value, Interest Only Payments, No Points, No Processing Fee

2nd Mortgage, Bank Statement, Home Equity Line of Credit, 780 Credit Score, SFR, Primary, 80% Combined Loan To Value, Interest Only Payments, No Points, No Processing Fee

2nd Mortgage, Bank Statement, Home Equity Line of Credit, 780 Credit Score, SFR, Primary, 70% Combined Loan To Value, Interest Only Payments, No Points, No Processing Fee

2nd Mortgage, Bank Statement, Home Equity Line of Credit, 780 Credit Score, SFR, Primary, 60% Combined Loan To Value, Interest Only Payments, No Points, No Processing Fee

California: ACCESS UP TO 90% OF YOUR HOME EQUITY 2nd-Position HELOC | 760+ FICO | Primary Residence. Up to $400,000 with No Appraisal. No Points • No Processing Fee. Rates Based on WSJ Prime

California: ACCESS UP TO 80% OF YOUR HOME EQUITY 2nd-Position HELOC | 760+ FICO | Primary Residence. Up to $400,000 with No Appraisal. No Points • No Processing Fee. Rates Based on WSJ Prime

California: ACCESS UP TO 70% OF YOUR HOME EQUITY 2nd-Position HELOC | 760+ FICO | Primary Residence. Up to $400,000 with No Appraisal. No Points • No Processing Fee. Rates Based on WSJ Prime

California: ACCESS UP TO 60% OF YOUR HOME EQUITY 2nd-Position HELOC | 760+ FICO | Primary Residence. Up to $400,000 with No Appraisal. No Points • No Processing Fee. Rates Based on WSJ Prime

Florida: ACCESS UP TO 90% OF YOUR HOME EQUITY 2nd-Position HELOC | 760+ FICO | Primary Residence. Up to $400,000 with No Appraisal. No Points • No Processing Fee. Rates Based on WSJ Prime

Florida: ACCESS UP TO 80% OF YOUR HOME EQUITY 2nd-Position HELOC | 760+ FICO | Primary Residence. Up to $400,000 with No Appraisal. No Points • No Processing Fee. Rates Based on WSJ Prime

Florida: ACCESS UP TO 70% OF YOUR HOME EQUITY 2nd-Position HELOC | 760+ FICO | Primary Residence. Up to $400,000 with No Appraisal. No Points • No Processing Fee. Rates Based on WSJ Prime

Florida: ACCESS UP TO 60% OF YOUR HOME EQUITY 2nd-Position HELOC | 760+ FICO | Primary Residence. Up to $400,000 with No Appraisal. No Points • No Processing Fee. Rates Based on WSJ Prime

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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