🏠 Mortgage Rates This Week: What Buyers and Investors Need to Know (Sept 7, 2026)

Rates moved modestly this week, and depending on your loan type, that movement matters in different ways. On the conventional side, we are publishing four rate charts this week covering 30-year fixed options at both 10% and 20% down, plus new 5/6 and 7/6 ARM programs for buyers who want a lower starting rate with a fixed period upfront. FHA buyers have three options this week, including the standard 30-year fixed and two new ARM programs, the 5/1 and 3/1, which are worth a serious look if you plan to sell or refinance within a few years. Investors have two DSCR charts this week, one for purchase and one for cash-out refinance, both structured around a 1:1 debt service coverage ratio with no lender fee and no points. Cash-out borrowers on conventional programs have three options as well, ranging from a 30-year fixed to 5/1 and 7/1 ARM structures, all at 75% LTV for primary residences. Across all 18 charts published this week, every program is structured with no lender fees, no processing fees, and no points, which keeps your costs transparent from day one. 👉 Key takeaway: If you have been sitting on the fence waiting for rates to drop before making a move, the ARM programs added this week deserve a closer look. A 3/1 or 5/1 FHA ARM, or a 5/6 or 7/6 conventional ARM, can offer a meaningfully lower rate for buyers who know their timeline. For homeowners with equity, the cash-out refinance options this week at 75% LTV are a practical way to access funds without paying points or lender fees on top of it. DSCR investors, the cash-out DSCR at 70% CLTV is worth running the numbers on, especially if your property is producing income at or above the 1:1 coverage ratio. Bank statement borrowers also have two programs available this week for self-employed buyers who cannot qualify using traditional income documentation.

If any of these programs sound like they fit your situation, the best next step is a quick conversation with one of our loan officers. Rates shift week to week, and locking in at the right time can make a real difference in your monthly payment and long-term cost. Reach out to the team at American RE Group and we will walk you through the numbers on any program that makes sense for you. No pressure, just straight answers.

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.

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