08/22/2026
๐ก HOMEOWNERS: HAVE YOU CHECKED WHAT TODAYโS RATES COULD MEAN FOR YOU?
Whether you're looking to lower your mortgage rate, change loan programs, consolidate higher-interest debt, or access your home equity, now may be a good time to run the numbers on a refinance.
๐ฅ 30-YEAR FIXED MORTGAGE RATES STARTING AT:
๐ CONVENTIONAL
5.859% Interest Rate | 6.159% APR
๐ก๏ธ FHA
5.373% Interest Rate | 5.911% APR
๐บ๐ธ VA
5.353% Interest Rate | 5.661% APR
โญ HEROES SAVE MORE! โญ
Are you a HERO?
Eligible professions may include:
๐ฎ Law Enforcement
๐ Emergency Response
โ๏ธ Medical Professionals
๐ง Mental Health Workers
๐ฆท Dental Professionals
๐ Educators
๐๏ธ Government Employees
๐๏ธ Veterans & Active-Duty Military
Qualified HERO borrowers may be eligible for our HERO Program, which can potentially save thousands of dollars in closing costs.
๐ EXAMPLE REFINANCE
๐ก Home Value: $500,000
๐ฐ Loan Amount: $200,000
๐ Loan-to-Value: 40%
โญ Credit: 800+ FICO
CONVENTIONAL
Rate: 5.859%
APR: 6.159%
Principal & Interest: $1,181/mo
Estimated Taxes & Insurance: $667/mo
๐ฐ Cash to Close with escrows waived (Approx.): $14,014
FHA
Rate: 5.373%
APR: 5.911%
Principal & Interest: $1,139/mo
Estimated Taxes & Insurance: $749.53/mo
๐ฐ Cash to Close (Approx.): $17,322
FHA Upfront Mortgage Insurance Premium (UFMIP) is financed.
VA ๐บ๐ธ
Rate: 5.353%
APR: 5.661%
Principal & Interest: $1,117/mo
Estimated Taxes & Insurance: $667/mo
๐ฐ Cash to Close (Approx.): $16,243
Example assumes an eligible veteran who is exempt from the VA funding fee.
โญ Eligible HERO borrowers: Save half a point of your loan amount on your closing costs.
๐ฌ Want to know what YOUR numbers look like?
Comment โREFIโ or send me a DM, and I'll run a personalized refinance scenario for you.
Eric Omar Abrego
Chief Loan Officer
๐ 562-418-5536
๐ง [email protected]
๐ EricOAbrego.com
RATE & LOAN ASSUMPTIONS:
Rates shown are as of 8/21/2026 and are subject to change without notice. Example assumes a $500,000 single-family residence, $200,000 loan amount (40% LTV), 800+ FICO score and otherwise qualifying borrower. FHA example assumes financed UFMIP. VA example assumes an eligible veteran who qualifies for a VA funding-fee exemption. Taxes, insurance, closing costs and payments shown are estimates and may vary. Principal and interest payments shown do not include property taxes, homeowners insurance, mortgage insurance where applicable, HOA dues or other property-related expenses. Actual payments may be higher when applicable taxes, insurance and other charges are included. Rates, APRs, fees and loan terms vary based on borrower qualifications, credit profile, property, occupancy, loan amount, LTV and other factors. Not all borrowers will qualify. The estimates shown include 2.25 discount points and 2.25 points for origination. HERO Program eligibility and savings are subject to program requirements and borrower qualification.
For information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. E Mortgage Capital, Inc. d/b/a E Mortgage Capital, NMLS # 1416824. Equal Housing Lender.