🏠 Weekly Mortgage Rates Update: What Buyers and Investors Need to Know This Week

Rates moved slightly this week, and depending on your loan type, that movement matters. FHA purchase rates remain competitive for first-time home buyers putting 3.5% down, and we are now showing ARM options alongside the standard 30-year fixed, including the 5/1 ARM FHA and the 3/1 ARM FHA for buyers who want a lower starting rate and plan to move or refinance within a few years. On the conventional side, buyers with 20% down or 10% down have solid fixed and ARM options available, all with no lender fee, no processing fee, and no points. Jumbo loan rates are holding steady and remain a strong fit for higher-priced purchases where conforming loan limits do not apply. For real estate investors, our DSCR purchase and cash-out DSCR refinance programs are active this week with a 1:1 ratio requirement, no lender fee, and no points, which keeps your cost basis clean from day one. Cash-out refinance borrowers on conventional programs up to 75% LTV also have fixed and ARM choices this week, all structured with zero lender fees.

👉 Key takeaway: Whether you are buying your first home, pulling equity out of a property you already own, or building a rental portfolio, this week's rate sheet gives you real options across 20 published charts covering FHA, Conventional, Jumbo, DSCR, Cash-Out, and Bank Statement programs. The zero lender fee structure we offer is not a teaser. It applies across the board on qualifying programs and can save you thousands at the closing table compared to lenders who quietly roll fees into the rate or add processing and underwriting charges. If you have been watching rates and waiting for the right moment, the combination of current pricing and no lender fees makes this a week worth acting on. Locking in your rate now protects you from any upward movement between now and closing.

If you have questions about which program fits your situation, reach out to one of our loan experts at American RE Group. We will walk you through the numbers, explain the trade-offs between fixed and ARM options, and help you choose the right loan without the pressure. Whether you are a first-time buyer, a homeowner considering a cash-out refinance, or an investor running DSCR numbers on a new property, we are here to make the process straightforward. Call us, text us, or send a message and we will get back to you quickly.

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, 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, 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, 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, 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, No Points, No lender Fee, No Processing Fee

FULL DOC, 5/1 ARM CASH OUT, 75%LTV, Primary Residence, Purchase, 760+ FICO, Single Family, 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, 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

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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