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Mortgage Basics
One Dollar Over This Line Changes Your Whole Loan
Cross the conforming loan limit by a dollar and the underwriting changes entirely. Here’s the 2026 threshold and how to structure around it.
Mortgage Rates Today: Daily 30-Year Rate 6.70% Aug 13 2026
Mortgage rates today: 30-year fixed at 6.70%, 15-year at 5.99%, 5/1 ARM APR at 6.20%. See today’s analysis, refinance math, and lock-in advice for Aug 13.
Your Parents’ Help Needs a Paper Trail. Here’s Why
Your parents want to help with the down payment. Here’s the gift letter, the sourcing rules, and the cash deposit that can stall your loan at underwriting.
Mortgage Rates Today: Daily 30-Year Rate 6.70% Aug 12 2026
Mortgage rates today: 30-year fixed at 6.70%, 15-year at 6.02%, 5/1 ARM APR at 6.43%. See today’s analysis, refinance math, and lock-in advice for Aug 12.
Editor’s Picks
Some Sellers Are Handing Over a 3% Mortgage
A seller closed in 2021 at 3.0%. You are shopping at 6.55%. On a $300,000 balance that gap is worth about $640 a month...
Mortgage Rates Today: Daily 30-Year Rate 6.69% Aug 10 2026
30-Year Fixed 6.69% 15-Year Fixed 6.01% 5/1 ARM APR 6.25% Source: Bankrate (780 FICO, single-family, primary...
Your $0 Student Loan Payment Isn’t $0 to a Lender
Your income-driven repayment plan says you owe $0 a month. Your credit report agrees. The underwriter looks at your...
Mortgage Rates Today: Daily 30-Year Rate 6.69% Aug 9 2026
30-Year Fixed 6.69% 15-Year Fixed 6.01% 5/1 ARM APR 6.25% Source: Bankrate (780 FICO, single-family, primary...
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