🏠 Mortgage Rates This Week: What Buyers, Refinancers, and Investors Need to Know

Rates moved modestly this week, and the story depends on what kind of loan you are looking at. On the FHA side, we are publishing three programs this week, including the standard 30-year fixed and two ARM options, a 5/1 and a 3/1, all structured for first-time buyers putting 3.5% down with no lender fee and no processing fee. Conventional purchase loans are showing competitive pricing across both 20% and 10% down scenarios, and we added 5/6 and 7/6 ARM options for buyers who want a lower starting rate and plan to move or refinance within a few years. Cash-out refinance programs are available this week on 30-year fixed, 5/1 ARM, and 7/1 ARM structures at 75% LTV, which gives homeowners with equity a real option to pull cash without paying points or lender fees. Investors will want to look at our DSCR programs, both purchase and cash-out, which qualify based on rental income rather than personal income, making them a strong fit for self-employed buyers or portfolio landlords. Jumbo and Bank Statement loans round out this week's sheet, covering higher loan amounts and borrowers who document income outside of traditional W-2s.

👉 Key takeaway: Every program published this week comes with no lender fee and no points, which is not something you see across the board at most lenders. That structure matters because fees get rolled into your cost whether you see them itemized or not. When we strip those out, the rate you see is the rate you are actually comparing. If you have been watching rates and waiting for the right moment, ARM products are worth a serious look right now, especially if your timeline is five to seven years. The spread between a 30-year fixed and a well-structured ARM can be meaningful, and locking in before the next Fed commentary cycle gives you more control than waiting.

If any of these programs match your situation, or if you are not sure which one fits, reach out to the team at American RE Group this week. We publish 35 rate charts every week so you can see exactly where pricing stands across FHA loans, conventional home loans, jumbo loans, DSCR investment loans, cash-out refinance options, HELOCs, and Bank Statement programs. A quick conversation with one of our loan experts can tell you where you stand, what your payment looks like, and whether locking a rate today makes sense for your goals.

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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