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Up to $600 appraisal creditOn all purchase loans · At closing ↗
THE REALTOR’S RATE DESK

Mortgage rate sheets.
A person behind every answer.

Compare Conventional, FHA, DSCR, bank-statement, and jumbo programs. See what your client may need for underwriting, then ask Brooke or John about the details.

HISTORICAL EDITIONSeptember 7, 2026

18 published program charts

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Historical edition — request current pricing. This is a dated edition, not live pricing. Rates can change. Get a personalized quote for current terms and APR.
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Brooke Martinez

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John Birman

Account Executive

888-900-5388 ext. 118john@americanregroup.com
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18 programsExpand a program to see its original rate chart
01
FHA / Purchase

30-year fixed FHA

3.5% down · Primary residence · 760+ FICO

View chart +

Published September 7, 2026 · Original AREG chart · Not a live quote

30-year fixed FHA — September 7, 2026 published figures
Purchase priceRatePublished payment*Points
$300,0006.00%$1,8980
$400,0005.99%$2,5280
$500,0005.99%$3,1600
$600,0005.88%$3,7490
$700,0005.88%$4,3740
$800,0005.88%$5,1260
$900,0006.00%$5,8380
$1,000,0006.00%$6,4870

*Payment figures are copied from the source chart, not recalculated. The source does not provide a complete breakdown of taxes, insurance, mortgage insurance, or other charges. Loan amounts depend on county; request the full payment and current APR.

View the original published chartPublished 30-year fixed FHA chart showing purchase prices, interest rates, payments, and points. Contact AREG for an accessible personalized quote and APR.

Source figures are reproduced as published. APR, lock period, and a complete payment breakdown are not supplied in this chart. Request current pricing and full terms before making a financing decision. ARM rates and payments may change after the initial fixed period.

No points · No processing fee · No underwriting fee · Up to $600 appraisal credit on purchase loans

Price this scenarioDownload chart ↓
PREPARE FOR UNDERWRITING

FHA loan underwriting documents

Common starting documents — your final checklist may differ.

  • Recent pay stubs and W-2s for employment income; tax returns and business information when qualifying with self-employment income.
  • Bank statements showing available funds, plus documentation for the source of the down payment.
  • Signed purchase agreement and any required FHA transaction forms supplied by the lender.
  • Gift documentation if applicable, and explanations or records requested for credit or employment gaps.
  • The lender arranges the FHA appraisal and identifies any property-related conditions.

This is a full-documentation starting list. FHA Streamline refinances have a different documentation path; ask the team before gathering a full income package.

Have government-issued identification ready. Ask the team for a secure upload link; do not email tax returns, bank statements, or identification.

Need a second look?
02
FHA / Purchase

5/1 ARM FHA

3.5% down · Primary residence · 760+ FICO

View chart +

Published September 7, 2026 · Original AREG chart · Not a live quote

5/1 ARM FHA — September 7, 2026 published figures
Purchase priceRatePublished payment*Points
$300,0006.63%$2,0180
$400,0006.00%$2,5310
$500,0006.00%$3,1630
$600,0005.75%$3,7020
$700,0005.63%$4,2640
$800,0005.63%$5,0010
$900,0005.50%$5,5570
$1,000,0005.50%$6,1740

*Payment figures are copied from the source chart, not recalculated. The source does not provide a complete breakdown of taxes, insurance, mortgage insurance, or other charges. Loan amounts depend on county; request the full payment and current APR.

View the original published chartPublished 5/1 ARM FHA chart showing purchase prices, interest rates, payments, and points. Contact AREG for an accessible personalized quote and APR.

Source figures are reproduced as published. APR, lock period, and a complete payment breakdown are not supplied in this chart. Request current pricing and full terms before making a financing decision. ARM rates and payments may change after the initial fixed period.

No points · No processing fee · No underwriting fee · Up to $600 appraisal credit on purchase loans

Price this scenarioDownload chart ↓
PREPARE FOR UNDERWRITING

FHA loan underwriting documents

Common starting documents — your final checklist may differ.

  • Recent pay stubs and W-2s for employment income; tax returns and business information when qualifying with self-employment income.
  • Bank statements showing available funds, plus documentation for the source of the down payment.
  • Signed purchase agreement and any required FHA transaction forms supplied by the lender.
  • Gift documentation if applicable, and explanations or records requested for credit or employment gaps.
  • The lender arranges the FHA appraisal and identifies any property-related conditions.

This is a full-documentation starting list. FHA Streamline refinances have a different documentation path; ask the team before gathering a full income package.

Have government-issued identification ready. Ask the team for a secure upload link; do not email tax returns, bank statements, or identification.

Need a second look?
03
FHA / Purchase

3/1 ARM FHA

3.5% down · Primary residence · 760+ FICO

View chart +

Published September 7, 2026 · Original AREG chart · Not a live quote

3/1 ARM FHA — September 7, 2026 published figures
Purchase priceRatePublished payment*Points
$300,0006.63%$2,0180
$400,0006.00%$2,5310
$500,0006.00%$3,1630
$600,0005.75%$3,7020
$700,0005.63%$4,2640
$800,0005.63%$5,0010
$900,0005.50%$5,5570
$1,000,0005.50%$6,1740

*Payment figures are copied from the source chart, not recalculated. The source does not provide a complete breakdown of taxes, insurance, mortgage insurance, or other charges. Loan amounts depend on county; request the full payment and current APR.

View the original published chartPublished 3/1 ARM FHA chart showing purchase prices, interest rates, payments, and points. Contact AREG for an accessible personalized quote and APR.

Source figures are reproduced as published. APR, lock period, and a complete payment breakdown are not supplied in this chart. Request current pricing and full terms before making a financing decision. ARM rates and payments may change after the initial fixed period.

No points · No processing fee · No underwriting fee · Up to $600 appraisal credit on purchase loans

Price this scenarioDownload chart ↓
PREPARE FOR UNDERWRITING

FHA loan underwriting documents

Common starting documents — your final checklist may differ.

  • Recent pay stubs and W-2s for employment income; tax returns and business information when qualifying with self-employment income.
  • Bank statements showing available funds, plus documentation for the source of the down payment.
  • Signed purchase agreement and any required FHA transaction forms supplied by the lender.
  • Gift documentation if applicable, and explanations or records requested for credit or employment gaps.
  • The lender arranges the FHA appraisal and identifies any property-related conditions.

This is a full-documentation starting list. FHA Streamline refinances have a different documentation path; ask the team before gathering a full income package.

Have government-issued identification ready. Ask the team for a secure upload link; do not email tax returns, bank statements, or identification.

Need a second look?
04
Conventional / Purchase

30-year fixed · 20% down

Full documentation · Primary residence · 760+ FICO

View chart +

Published September 7, 2026 · Original AREG chart · Not a live quote

30-year fixed · 20% down — September 7, 2026 published figures
Purchase priceRatePublished payment*Points
$300,0006.75%$1,5570
$400,0006.75%$2,0760
$500,0006.75%$2,5940
$600,0006.75%$3,1130
$700,0006.63%$3,5860
$800,0006.63%$4,0980
$900,0006.63%$4,6100
$1,000,0006.63%$5,1220

*Payment figures are copied from the source chart, not recalculated. The source does not provide a complete breakdown of taxes, insurance, mortgage insurance, or other charges. Loan amounts depend on county; request the full payment and current APR.

View the original published chartPublished 30-year fixed · 20% down chart showing purchase prices, interest rates, payments, and points. Contact AREG for an accessible personalized quote and APR.

Source figures are reproduced as published. APR, lock period, and a complete payment breakdown are not supplied in this chart. Request current pricing and full terms before making a financing decision. ARM rates and payments may change after the initial fixed period.

No points · No processing fee · No underwriting fee · Up to $600 appraisal credit on purchase loans

Price this scenarioDownload chart ↓
PREPARE FOR UNDERWRITING

Conventional loan underwriting documents

Common starting documents — your final checklist may differ.

  • Recent pay stubs covering about 30 days and W-2s for the prior two years, when using employment income.
  • Recent bank or investment statements, all pages, to verify closing funds and any required reserves.
  • For self-employed borrowers: personal and applicable business tax returns, plus a current profit-and-loss statement if requested.
  • Signed purchase agreement for a purchase; current mortgage statement for a refinance.
  • Gift letter and evidence of the funds, if a gift is part of the transaction.

Documentation can vary with automated underwriting findings, income type, and the lender. Tax returns are not automatically required for every wage-earner file.

Have government-issued identification ready. Ask the team for a secure upload link; do not email tax returns, bank statements, or identification.

Need a second look?
05
Conventional / Purchase

30-year fixed · 10% down

Full documentation · Primary residence · 760+ FICO

View chart +

Published September 7, 2026 · Original AREG chart · Not a live quote

30-year fixed · 10% down — September 7, 2026 published figures
Purchase priceRatePublished payment*Points
$300,0006.75%$1,8140
$400,0006.75%$2,4190
$500,0006.75%$3,0240
$600,0006.63%$3,5840
$700,0006.63%$4,1810
$800,0006.63%$4,7780
$900,0006.50%$5,3090
$1,000,0006.75%$6,0470

*Payment figures are copied from the source chart, not recalculated. The source does not provide a complete breakdown of taxes, insurance, mortgage insurance, or other charges. Loan amounts depend on county; request the full payment and current APR.

View the original published chartPublished 30-year fixed · 10% down chart showing purchase prices, interest rates, payments, and points. Contact AREG for an accessible personalized quote and APR.

Source figures are reproduced as published. APR, lock period, and a complete payment breakdown are not supplied in this chart. Request current pricing and full terms before making a financing decision. ARM rates and payments may change after the initial fixed period.

No points · No processing fee · No underwriting fee · Up to $600 appraisal credit on purchase loans

Price this scenarioDownload chart ↓
PREPARE FOR UNDERWRITING

Conventional loan underwriting documents

Common starting documents — your final checklist may differ.

  • Recent pay stubs covering about 30 days and W-2s for the prior two years, when using employment income.
  • Recent bank or investment statements, all pages, to verify closing funds and any required reserves.
  • For self-employed borrowers: personal and applicable business tax returns, plus a current profit-and-loss statement if requested.
  • Signed purchase agreement for a purchase; current mortgage statement for a refinance.
  • Gift letter and evidence of the funds, if a gift is part of the transaction.

Documentation can vary with automated underwriting findings, income type, and the lender. Tax returns are not automatically required for every wage-earner file.

Have government-issued identification ready. Ask the team for a secure upload link; do not email tax returns, bank statements, or identification.

Need a second look?
06
Conventional / Purchase

5/6 ARM · 20% down

Full documentation · Primary residence · 760+ FICO

View chart +

Published September 7, 2026 · Original AREG chart · Not a live quote

5/6 ARM · 20% down — September 7, 2026 published figures
Purchase priceRatePublished payment*Points
$300,0006.88%$1,5770
$400,0006.75%$2,0760
$500,0006.75%$2,5940
$600,0006.63%$3,0730
$700,0006.50%$3,5400
$800,0006.50%$4,0450
$900,0006.38%$4,4920
$1,000,0006.38%$4,9910

*Payment figures are copied from the source chart, not recalculated. The source does not provide a complete breakdown of taxes, insurance, mortgage insurance, or other charges. Loan amounts depend on county; request the full payment and current APR.

View the original published chartPublished 5/6 ARM · 20% down chart showing purchase prices, interest rates, payments, and points. Contact AREG for an accessible personalized quote and APR.

Source figures are reproduced as published. APR, lock period, and a complete payment breakdown are not supplied in this chart. Request current pricing and full terms before making a financing decision. ARM rates and payments may change after the initial fixed period.

No points · No processing fee · No underwriting fee · Up to $600 appraisal credit on purchase loans

Price this scenarioDownload chart ↓
PREPARE FOR UNDERWRITING

Conventional loan underwriting documents

Common starting documents — your final checklist may differ.

  • Recent pay stubs covering about 30 days and W-2s for the prior two years, when using employment income.
  • Recent bank or investment statements, all pages, to verify closing funds and any required reserves.
  • For self-employed borrowers: personal and applicable business tax returns, plus a current profit-and-loss statement if requested.
  • Signed purchase agreement for a purchase; current mortgage statement for a refinance.
  • Gift letter and evidence of the funds, if a gift is part of the transaction.

Documentation can vary with automated underwriting findings, income type, and the lender. Tax returns are not automatically required for every wage-earner file.

Have government-issued identification ready. Ask the team for a secure upload link; do not email tax returns, bank statements, or identification.

Need a second look?
07
Conventional / Purchase

7/6 ARM · 20% down

Full documentation · Primary residence · 760+ FICO

View chart +

Published September 7, 2026 · Original AREG chart · Not a live quote

7/6 ARM · 20% down — September 7, 2026 published figures
Purchase priceRatePublished payment*Points
$300,0006.88%$1,5770
$400,0006.75%$2,0760
$500,0006.75%$2,5940
$600,0006.63%$3,0730
$700,0006.50%$3,5400
$800,0006.50%$4,0450
$900,0006.38%$4,4920
$1,000,0006.38%$4,9910

*Payment figures are copied from the source chart, not recalculated. The source does not provide a complete breakdown of taxes, insurance, mortgage insurance, or other charges. Loan amounts depend on county; request the full payment and current APR.

View the original published chartPublished 7/6 ARM · 20% down chart showing purchase prices, interest rates, payments, and points. Contact AREG for an accessible personalized quote and APR.

Source figures are reproduced as published. APR, lock period, and a complete payment breakdown are not supplied in this chart. Request current pricing and full terms before making a financing decision. ARM rates and payments may change after the initial fixed period.

No points · No processing fee · No underwriting fee · Up to $600 appraisal credit on purchase loans

Price this scenarioDownload chart ↓
PREPARE FOR UNDERWRITING

Conventional loan underwriting documents

Common starting documents — your final checklist may differ.

  • Recent pay stubs covering about 30 days and W-2s for the prior two years, when using employment income.
  • Recent bank or investment statements, all pages, to verify closing funds and any required reserves.
  • For self-employed borrowers: personal and applicable business tax returns, plus a current profit-and-loss statement if requested.
  • Signed purchase agreement for a purchase; current mortgage statement for a refinance.
  • Gift letter and evidence of the funds, if a gift is part of the transaction.

Documentation can vary with automated underwriting findings, income type, and the lender. Tax returns are not automatically required for every wage-earner file.

Have government-issued identification ready. Ask the team for a secure upload link; do not email tax returns, bank statements, or identification.

Need a second look?
08
Conventional / Cash-out

30-year fixed cash-out

75% LTV · Primary residence · 760+ FICO

View chart +

Published September 7, 2026 · Original AREG chart · Not a live quote

30-year fixed cash-out — September 7, 2026 published figures
Property valueRatePublished payment*Points
$300,0006.88%$1,4780
$400,0006.88%$1,9710
$500,0006.88%$2,4630
$600,0006.75%$2,9190
$700,0006.75%$3,4050
$800,0006.75%$3,8920
$900,0006.75%$4,3780
$1,000,0006.75%$4,8640

*Payment figures are copied from the source chart, not recalculated. The source does not provide a complete breakdown of taxes, insurance, mortgage insurance, or other charges. Loan amounts depend on county; request the full payment and current APR.

View the original published chartPublished 30-year fixed cash-out chart showing purchase prices, interest rates, payments, and points. Contact AREG for an accessible personalized quote and APR.

Source figures are reproduced as published. APR, lock period, and a complete payment breakdown are not supplied in this chart. Request current pricing and full terms before making a financing decision. ARM rates and payments may change after the initial fixed period.

No points · No processing fee · No underwriting fee

Price this scenarioDownload chart ↓
PREPARE FOR UNDERWRITING

Conventional loan underwriting documents

Common starting documents — your final checklist may differ.

  • Recent pay stubs covering about 30 days and W-2s for the prior two years, when using employment income.
  • Recent bank or investment statements, all pages, to verify closing funds and any required reserves.
  • For self-employed borrowers: personal and applicable business tax returns, plus a current profit-and-loss statement if requested.
  • Signed purchase agreement for a purchase; current mortgage statement for a refinance.
  • Gift letter and evidence of the funds, if a gift is part of the transaction.

Documentation can vary with automated underwriting findings, income type, and the lender. Tax returns are not automatically required for every wage-earner file.

Have government-issued identification ready. Ask the team for a secure upload link; do not email tax returns, bank statements, or identification.

Need a second look?
09
Conventional / Cash-out

5/1 ARM cash-out

75% LTV · Primary residence · 760+ FICO

View chart +

Published September 7, 2026 · Original AREG chart · Not a live quote

5/1 ARM cash-out — September 7, 2026 published figures
Property valueRatePublished payment*Points
$300,0007.13%$1,5160
$400,0006.99%$1,9940
$500,0006.99%$2,4920
$600,0006.88%$2,9560
$700,0006.75%$3,4050
$800,0006.75%$3,8920
$900,0006.63%$4,3220
$1,000,0006.63%$4,8020

*Payment figures are copied from the source chart, not recalculated. The source does not provide a complete breakdown of taxes, insurance, mortgage insurance, or other charges. Loan amounts depend on county; request the full payment and current APR.

View the original published chartPublished 5/1 ARM cash-out chart showing purchase prices, interest rates, payments, and points. Contact AREG for an accessible personalized quote and APR.

Source figures are reproduced as published. APR, lock period, and a complete payment breakdown are not supplied in this chart. Request current pricing and full terms before making a financing decision. ARM rates and payments may change after the initial fixed period.

No points · No processing fee · No underwriting fee

Price this scenarioDownload chart ↓
PREPARE FOR UNDERWRITING

Conventional loan underwriting documents

Common starting documents — your final checklist may differ.

  • Recent pay stubs covering about 30 days and W-2s for the prior two years, when using employment income.
  • Recent bank or investment statements, all pages, to verify closing funds and any required reserves.
  • For self-employed borrowers: personal and applicable business tax returns, plus a current profit-and-loss statement if requested.
  • Signed purchase agreement for a purchase; current mortgage statement for a refinance.
  • Gift letter and evidence of the funds, if a gift is part of the transaction.

Documentation can vary with automated underwriting findings, income type, and the lender. Tax returns are not automatically required for every wage-earner file.

Have government-issued identification ready. Ask the team for a secure upload link; do not email tax returns, bank statements, or identification.

Need a second look?
10
Conventional / Cash-out

7/1 ARM cash-out

75% LTV · Primary residence · 760+ FICO

View chart +

Published September 7, 2026 · Original AREG chart · Not a live quote

7/1 ARM cash-out — September 7, 2026 published figures
Property valueRatePublished payment*Points
$300,0007.13%$1,5160
$400,0006.99%$1,9940
$500,0006.99%$2,4920
$600,0006.88%$2,9560
$700,0006.75%$3,4050
$800,0006.75%$3,8920
$900,0006.63%$4,3220
$1,000,0006.63%$4,8020

*Payment figures are copied from the source chart, not recalculated. The source does not provide a complete breakdown of taxes, insurance, mortgage insurance, or other charges. Loan amounts depend on county; request the full payment and current APR.

View the original published chartPublished 7/1 ARM cash-out chart showing purchase prices, interest rates, payments, and points. Contact AREG for an accessible personalized quote and APR.

Source figures are reproduced as published. APR, lock period, and a complete payment breakdown are not supplied in this chart. Request current pricing and full terms before making a financing decision. ARM rates and payments may change after the initial fixed period.

No points · No processing fee · No underwriting fee

Price this scenarioDownload chart ↓
PREPARE FOR UNDERWRITING

Conventional loan underwriting documents

Common starting documents — your final checklist may differ.

  • Recent pay stubs covering about 30 days and W-2s for the prior two years, when using employment income.
  • Recent bank or investment statements, all pages, to verify closing funds and any required reserves.
  • For self-employed borrowers: personal and applicable business tax returns, plus a current profit-and-loss statement if requested.
  • Signed purchase agreement for a purchase; current mortgage statement for a refinance.
  • Gift letter and evidence of the funds, if a gift is part of the transaction.

Documentation can vary with automated underwriting findings, income type, and the lender. Tax returns are not automatically required for every wage-earner file.

Have government-issued identification ready. Ask the team for a secure upload link; do not email tax returns, bank statements, or identification.

Need a second look?
11
DSCR / Purchase

DSCR purchase

25% down · Investment · 1:1 DSCR · 5-year prepay · 760+ FICO

View chart +

Published September 7, 2026 · Original AREG chart · Not a live quote

DSCR purchase — September 7, 2026 published figures
Purchase priceRatePublished payment*Points
$300,0006.63%$1,4410
$400,0006.50%$1,8960
$500,0006.50%$2,3700
$600,0006.50%$2,8440
$700,0006.38%$3,2750
$800,0006.38%$3,7430
$900,0006.25%$4,1560
$1,000,0006.25%$4,6180

*Payment figures are copied from the source chart, not recalculated. The source does not provide a complete breakdown of taxes, insurance, mortgage insurance, or other charges. Loan amounts depend on county; request the full payment and current APR.

View the original published chartPublished DSCR purchase chart showing purchase prices, interest rates, payments, and points. Contact AREG for an accessible personalized quote and APR.

Source figures are reproduced as published. APR, lock period, and a complete payment breakdown are not supplied in this chart. Request current pricing and full terms before making a financing decision. ARM rates and payments may change after the initial fixed period.

No points · No processing fee · No underwriting fee · Up to $600 appraisal credit on purchase loans

Price this scenarioDownload chart ↓
PREPARE FOR UNDERWRITING

DSCR loan underwriting documents

Common starting documents — your final checklist may differ.

  • Lease agreements for occupied rentals, or property details for a lender-ordered market-rent analysis.
  • Bank or investment statements for down payment, closing costs, and the program’s required reserves.
  • Purchase contract for an acquisition; current mortgage statement and ownership information for refinancing.
  • Insurance information, property taxes, and applicable HOA dues used in the property’s housing-payment calculation.
  • Entity formation documents, operating agreement, and signing authority if an eligible LLC will borrow.

DSCR qualification centers on property rental income rather than W-2 income. Personal tax returns are generally not the income-qualification method, but credit, assets, property, and entity review still apply.

Have government-issued identification ready. Ask the team for a secure upload link; do not email tax returns, bank statements, or identification.

Need a second look?
12
DSCR / Cash-out

DSCR cash-out

70% CLTV · Investment · 1:1 DSCR · 5-year prepay · 760+ FICO

View chart +

Published September 7, 2026 · Original AREG chart · Not a live quote

DSCR cash-out — September 7, 2026 published figures
Property valueRatePublished payment*Points
$300,0006.75%$1,3620
$400,0006.63%$1,7930
$500,0006.63%$2,2410
$600,0006.62%$2,6890
$700,0006.49%$3,0940
$800,0006.49%$3,5360
$900,0006.37%$3,9300
$1,000,0006.37%$4,3670

*Payment figures are copied from the source chart, not recalculated. The source does not provide a complete breakdown of taxes, insurance, mortgage insurance, or other charges. Loan amounts depend on county; request the full payment and current APR.

View the original published chartPublished DSCR cash-out chart showing purchase prices, interest rates, payments, and points. Contact AREG for an accessible personalized quote and APR.

Source figures are reproduced as published. APR, lock period, and a complete payment breakdown are not supplied in this chart. Request current pricing and full terms before making a financing decision. ARM rates and payments may change after the initial fixed period.

No points · No processing fee · No underwriting fee

Price this scenarioDownload chart ↓
PREPARE FOR UNDERWRITING

DSCR loan underwriting documents

Common starting documents — your final checklist may differ.

  • Lease agreements for occupied rentals, or property details for a lender-ordered market-rent analysis.
  • Bank or investment statements for down payment, closing costs, and the program’s required reserves.
  • Purchase contract for an acquisition; current mortgage statement and ownership information for refinancing.
  • Insurance information, property taxes, and applicable HOA dues used in the property’s housing-payment calculation.
  • Entity formation documents, operating agreement, and signing authority if an eligible LLC will borrow.

DSCR qualification centers on property rental income rather than W-2 income. Personal tax returns are generally not the income-qualification method, but credit, assets, property, and entity review still apply.

Have government-issued identification ready. Ask the team for a secure upload link; do not email tax returns, bank statements, or identification.

Need a second look?
13
Bank statement / Purchase

12-month bank statement

20% down · Investment · 760+ FICO

View chart +

Published September 7, 2026 · Original AREG chart · Not a live quote

12-month bank statement — September 7, 2026 published figures
Purchase priceRatePublished payment*Points
$300,0007.13%$1,6170
$400,0007.00%$2,1290
$500,0007.00%$2,6610
$600,0007.00%$3,1930
$700,0007.00%$3,7260
$800,0007.00%$4,2580
$900,0007.00%$4,7900
$1,000,0007.00%$5,3220

*Payment figures are copied from the source chart, not recalculated. The source does not provide a complete breakdown of taxes, insurance, mortgage insurance, or other charges. Loan amounts depend on county; request the full payment and current APR.

View the original published chartPublished 12-month bank statement chart showing purchase prices, interest rates, payments, and points. Contact AREG for an accessible personalized quote and APR.

Source figures are reproduced as published. APR, lock period, and a complete payment breakdown are not supplied in this chart. Request current pricing and full terms before making a financing decision. ARM rates and payments may change after the initial fixed period.

No points · No processing fee · No underwriting fee · Up to $600 appraisal credit on purchase loans

Price this scenarioDownload chart ↓
PREPARE FOR UNDERWRITING

Bank-statement loan underwriting documents

Common starting documents — your final checklist may differ.

  • 12 consecutive months of complete personal or business bank statements for the featured 12-month program; another program may require 24 months.
  • Proof of business existence and ownership, such as a business license, formation records, or other lender-accepted evidence.
  • Business expense information or a profit-and-loss statement if required by the selected lender.
  • Identification and separate asset documentation for closing funds and reserves as requested.
  • Purchase contract or current mortgage statement, plus explanations for transfers or unusual deposits when requested.

This is a self-employed income path. A wage earner ordinarily starts with pay stubs and W-2s instead. The lender determines eligible deposits and the business-expense adjustment; total deposits are not automatically qualifying income.

Have government-issued identification ready. Ask the team for a secure upload link; do not email tax returns, bank statements, or identification.

Need a second look?
14
Bank statement / Cash-out

12-month bank statement cash-out

70% LTV · Investment · 760+ FICO

View chart +

Published September 7, 2026 · Original AREG chart · Not a live quote

12-month bank statement cash-out — September 7, 2026 published figures
Property valueRatePublished payment*Points
$300,0007.13%$1,4150
$400,0007.00%$1,8630
$500,0007.00%$2,3290
$600,0007.00%$2,7940
$700,0007.00%$3,2600
$800,0007.00%$3,7260
$900,0007.00%$4,1910
$1,000,0007.00%$4,6570

*Payment figures are copied from the source chart, not recalculated. The source does not provide a complete breakdown of taxes, insurance, mortgage insurance, or other charges. Loan amounts depend on county; request the full payment and current APR.

View the original published chartPublished 12-month bank statement cash-out chart showing purchase prices, interest rates, payments, and points. Contact AREG for an accessible personalized quote and APR.

Source figures are reproduced as published. APR, lock period, and a complete payment breakdown are not supplied in this chart. Request current pricing and full terms before making a financing decision. ARM rates and payments may change after the initial fixed period.

No points · No processing fee · No underwriting fee

Price this scenarioDownload chart ↓
PREPARE FOR UNDERWRITING

Bank-statement loan underwriting documents

Common starting documents — your final checklist may differ.

  • 12 consecutive months of complete personal or business bank statements for the featured 12-month program; another program may require 24 months.
  • Proof of business existence and ownership, such as a business license, formation records, or other lender-accepted evidence.
  • Business expense information or a profit-and-loss statement if required by the selected lender.
  • Identification and separate asset documentation for closing funds and reserves as requested.
  • Purchase contract or current mortgage statement, plus explanations for transfers or unusual deposits when requested.

This is a self-employed income path. A wage earner ordinarily starts with pay stubs and W-2s instead. The lender determines eligible deposits and the business-expense adjustment; total deposits are not automatically qualifying income.

Have government-issued identification ready. Ask the team for a secure upload link; do not email tax returns, bank statements, or identification.

Need a second look?
15
Jumbo / Purchase

Jumbo conventional · 80% LTV

30-year fixed · Primary residence · Full documentation · 760+ FICO

View chart +

Published September 7, 2026 · Original AREG chart · Not a live quote

Jumbo conventional · 80% LTV — September 7, 2026 published figures
Purchase priceRatePublished payment*Points
$1,500,0006.63%$7,6840
$2,000,0006.63%$10,2450
$2,500,0006.63%$12,8060
$3,000,0006.75%$15,5660
$3,500,0006.75%$18,1610
$4,000,0006.75%$20,7550

*Payment figures are copied from the source chart, not recalculated. The source does not provide a complete breakdown of taxes, insurance, mortgage insurance, or other charges. Loan amounts depend on county; request the full payment and current APR.

View the original published chartPublished Jumbo conventional · 80% LTV chart showing purchase prices, interest rates, payments, and points. Contact AREG for an accessible personalized quote and APR.

Source figures are reproduced as published. APR, lock period, and a complete payment breakdown are not supplied in this chart. Request current pricing and full terms before making a financing decision. ARM rates and payments may change after the initial fixed period.

No points · No processing fee · No underwriting fee · Up to $600 appraisal credit on purchase loans

Price this scenarioDownload chart ↓
PREPARE FOR UNDERWRITING

Jumbo loan underwriting documents

Common starting documents — your final checklist may differ.

  • Full income package appropriate to the borrower: pay stubs and W-2s, or tax returns and current business financials when applicable.
  • Bank and investment statements showing closing funds and reserves; reserve requirements vary by lender and loan size.
  • Purchase contract or current mortgage statement, plus statements for other financed properties when requested.
  • Documentation of large deposits, gifts, or funds from an asset sale if used in the transaction.
  • Property, insurance, and appraisal information as requested; additional valuation review may apply.

For jumbo DSCR or jumbo bank-statement products, follow that income-documentation path plus the selected jumbo program’s asset and property requirements.

Have government-issued identification ready. Ask the team for a secure upload link; do not email tax returns, bank statements, or identification.

Need a second look?
16
Jumbo / Purchase

Jumbo DSCR

75% LTV · Investment · 5-year prepay · 760+ FICO

View chart +

Published September 7, 2026 · Original AREG chart · Not a live quote

Jumbo DSCR — September 7, 2026 published figures
Purchase priceRatePublished payment*Points
$1,500,0006.250%$6,9270
$2,000,0006.250%$9,2360
$2,500,0006.250%$11,5450
$3,000,0006.375%$14,0370
$3,500,0006.625%$16,8080
$4,000,0006.625%$19,2090

*Payment figures are copied from the source chart, not recalculated. The source does not provide a complete breakdown of taxes, insurance, mortgage insurance, or other charges. Loan amounts depend on county; request the full payment and current APR.

View the original published chartPublished Jumbo DSCR chart showing purchase prices, interest rates, payments, and points. Contact AREG for an accessible personalized quote and APR.

Source figures are reproduced as published. APR, lock period, and a complete payment breakdown are not supplied in this chart. Request current pricing and full terms before making a financing decision. ARM rates and payments may change after the initial fixed period.

No points · No processing fee · No underwriting fee · Up to $600 appraisal credit on purchase loans

Price this scenarioDownload chart ↓
PREPARE FOR UNDERWRITING

DSCR loan underwriting documents

Common starting documents — your final checklist may differ.

  • Lease agreements for occupied rentals, or property details for a lender-ordered market-rent analysis.
  • Bank or investment statements for down payment, closing costs, and the program’s required reserves.
  • Purchase contract for an acquisition; current mortgage statement and ownership information for refinancing.
  • Insurance information, property taxes, and applicable HOA dues used in the property’s housing-payment calculation.
  • Entity formation documents, operating agreement, and signing authority if an eligible LLC will borrow.

DSCR qualification centers on property rental income rather than W-2 income. Personal tax returns are generally not the income-qualification method, but credit, assets, property, and entity review still apply.

Have government-issued identification ready. Ask the team for a secure upload link; do not email tax returns, bank statements, or identification.

Need a second look?
17
Jumbo / Purchase

Jumbo bank statement

75% LTV · Primary residence · 12-month statements · 760+ FICO

View chart +

Published September 7, 2026 · Original AREG chart · Not a live quote

Jumbo bank statement — September 7, 2026 published figures
Purchase priceRatePublished payment*Points
$1,500,0007.00%$7,4850
$2,000,0007.00%$9,9800
$2,500,0007.00%$12,4740
$3,000,0007.00%$14,9690
$3,500,0007.13%$17,6850
$4,000,0007.13%$20,2120

*Payment figures are copied from the source chart, not recalculated. The source does not provide a complete breakdown of taxes, insurance, mortgage insurance, or other charges. Loan amounts depend on county; request the full payment and current APR.

View the original published chartPublished Jumbo bank statement chart showing purchase prices, interest rates, payments, and points. Contact AREG for an accessible personalized quote and APR.

Source figures are reproduced as published. APR, lock period, and a complete payment breakdown are not supplied in this chart. Request current pricing and full terms before making a financing decision. ARM rates and payments may change after the initial fixed period.

No points · No processing fee · No underwriting fee · Up to $600 appraisal credit on purchase loans

Price this scenarioDownload chart ↓
PREPARE FOR UNDERWRITING

Bank-statement loan underwriting documents

Common starting documents — your final checklist may differ.

  • 12 consecutive months of complete personal or business bank statements for the featured 12-month program; another program may require 24 months.
  • Proof of business existence and ownership, such as a business license, formation records, or other lender-accepted evidence.
  • Business expense information or a profit-and-loss statement if required by the selected lender.
  • Identification and separate asset documentation for closing funds and reserves as requested.
  • Purchase contract or current mortgage statement, plus explanations for transfers or unusual deposits when requested.

This is a self-employed income path. A wage earner ordinarily starts with pay stubs and W-2s instead. The lender determines eligible deposits and the business-expense adjustment; total deposits are not automatically qualifying income.

Have government-issued identification ready. Ask the team for a secure upload link; do not email tax returns, bank statements, or identification.

Need a second look?
18
Jumbo / Purchase

Jumbo conventional · 75% LTV

30-year fixed · Primary residence · Full documentation · 760+ FICO

View chart +

Published September 7, 2026 · Original AREG chart · Not a live quote

Jumbo conventional · 75% LTV — September 7, 2026 published figures
Purchase priceRatePublished payment*Points
$1,500,0006.625%$7,2040
$2,000,0006.625%$9,6050
$2,500,0006.625%$12,0060
$3,000,0006.625%$14,4070
$3,500,0006.625%$16,8080
$4,000,0006.625%$19,2090

*Payment figures are copied from the source chart, not recalculated. The source does not provide a complete breakdown of taxes, insurance, mortgage insurance, or other charges. Loan amounts depend on county; request the full payment and current APR.

View the original published chartPublished Jumbo conventional · 75% LTV chart showing purchase prices, interest rates, payments, and points. Contact AREG for an accessible personalized quote and APR.

Source figures are reproduced as published. APR, lock period, and a complete payment breakdown are not supplied in this chart. Request current pricing and full terms before making a financing decision. ARM rates and payments may change after the initial fixed period.

No points · No processing fee · No underwriting fee · Up to $600 appraisal credit on purchase loans

Price this scenarioDownload chart ↓
PREPARE FOR UNDERWRITING

Jumbo loan underwriting documents

Common starting documents — your final checklist may differ.

  • Full income package appropriate to the borrower: pay stubs and W-2s, or tax returns and current business financials when applicable.
  • Bank and investment statements showing closing funds and reserves; reserve requirements vary by lender and loan size.
  • Purchase contract or current mortgage statement, plus statements for other financed properties when requested.
  • Documentation of large deposits, gifts, or funds from an asset sale if used in the transaction.
  • Property, insurance, and appraisal information as requested; additional valuation review may apply.

For jumbo DSCR or jumbo bank-statement products, follow that income-documentation path plus the selected jumbo program’s asset and property requirements.

Have government-issued identification ready. Ask the team for a secure upload link; do not email tax returns, bank statements, or identification.

Need a second look?

Don’t see your program?

Ask about VA, USDA, HELOC, other states, or a scenario that needs a closer look.

Talk to our team

Source: AREG’s September 7, 2026 rate-sheet edition, posted September 8. Eligibility, state availability, and lender requirements apply.

THE DOCUMENT DESK

What should your client gather?

Use the program below to start the conversation. These are preparation guides, not a complete list of approval conditions. Refreshed September 13, 2026.

ConventionalFHADSCRBank statementJumboVAUSDAHELOC / HELOAN
Conventional loan underwriting documents
PREPARE FOR UNDERWRITING

Conventional loan underwriting documents

Common starting documents — your final checklist may differ.

  • Recent pay stubs covering about 30 days and W-2s for the prior two years, when using employment income.
  • Recent bank or investment statements, all pages, to verify closing funds and any required reserves.
  • For self-employed borrowers: personal and applicable business tax returns, plus a current profit-and-loss statement if requested.
  • Signed purchase agreement for a purchase; current mortgage statement for a refinance.
  • Gift letter and evidence of the funds, if a gift is part of the transaction.

Documentation can vary with automated underwriting findings, income type, and the lender. Tax returns are not automatically required for every wage-earner file.

Have government-issued identification ready. Ask the team for a secure upload link; do not email tax returns, bank statements, or identification.

Need a second look?
FHA loan underwriting documents
PREPARE FOR UNDERWRITING

FHA loan underwriting documents

Common starting documents — your final checklist may differ.

  • Recent pay stubs and W-2s for employment income; tax returns and business information when qualifying with self-employment income.
  • Bank statements showing available funds, plus documentation for the source of the down payment.
  • Signed purchase agreement and any required FHA transaction forms supplied by the lender.
  • Gift documentation if applicable, and explanations or records requested for credit or employment gaps.
  • The lender arranges the FHA appraisal and identifies any property-related conditions.

This is a full-documentation starting list. FHA Streamline refinances have a different documentation path; ask the team before gathering a full income package.

Have government-issued identification ready. Ask the team for a secure upload link; do not email tax returns, bank statements, or identification.

Need a second look?
DSCR loan underwriting documents
PREPARE FOR UNDERWRITING

DSCR loan underwriting documents

Common starting documents — your final checklist may differ.

  • Lease agreements for occupied rentals, or property details for a lender-ordered market-rent analysis.
  • Bank or investment statements for down payment, closing costs, and the program’s required reserves.
  • Purchase contract for an acquisition; current mortgage statement and ownership information for refinancing.
  • Insurance information, property taxes, and applicable HOA dues used in the property’s housing-payment calculation.
  • Entity formation documents, operating agreement, and signing authority if an eligible LLC will borrow.

DSCR qualification centers on property rental income rather than W-2 income. Personal tax returns are generally not the income-qualification method, but credit, assets, property, and entity review still apply.

Have government-issued identification ready. Ask the team for a secure upload link; do not email tax returns, bank statements, or identification.

Need a second look?
Bank-statement loan underwriting documents
PREPARE FOR UNDERWRITING

Bank-statement loan underwriting documents

Common starting documents — your final checklist may differ.

  • 12 consecutive months of complete personal or business bank statements for the featured 12-month program; another program may require 24 months.
  • Proof of business existence and ownership, such as a business license, formation records, or other lender-accepted evidence.
  • Business expense information or a profit-and-loss statement if required by the selected lender.
  • Identification and separate asset documentation for closing funds and reserves as requested.
  • Purchase contract or current mortgage statement, plus explanations for transfers or unusual deposits when requested.

This is a self-employed income path. A wage earner ordinarily starts with pay stubs and W-2s instead. The lender determines eligible deposits and the business-expense adjustment; total deposits are not automatically qualifying income.

Have government-issued identification ready. Ask the team for a secure upload link; do not email tax returns, bank statements, or identification.

Need a second look?
Jumbo loan underwriting documents
PREPARE FOR UNDERWRITING

Jumbo loan underwriting documents

Common starting documents — your final checklist may differ.

  • Full income package appropriate to the borrower: pay stubs and W-2s, or tax returns and current business financials when applicable.
  • Bank and investment statements showing closing funds and reserves; reserve requirements vary by lender and loan size.
  • Purchase contract or current mortgage statement, plus statements for other financed properties when requested.
  • Documentation of large deposits, gifts, or funds from an asset sale if used in the transaction.
  • Property, insurance, and appraisal information as requested; additional valuation review may apply.

For jumbo DSCR or jumbo bank-statement products, follow that income-documentation path plus the selected jumbo program’s asset and property requirements.

Have government-issued identification ready. Ask the team for a secure upload link; do not email tax returns, bank statements, or identification.

Need a second look?
VA loan underwriting documents
PREPARE FOR UNDERWRITING

VA loan underwriting documents

Common starting documents — your final checklist may differ.

  • VA Certificate of Eligibility (COE); the lender may be able to obtain it for you.
  • DD214, statement of service, or other service evidence if needed to obtain the COE.
  • Income and asset documentation applicable to the borrower, such as pay stubs, W-2s, and bank statements.
  • Purchase contract or current mortgage information; household and expense details requested for residual-income review.
  • The lender arranges the VA appraisal and provides required VA disclosures.

VA IRRRL refinances have different requirements from a purchase or cash-out refinance. Ask for the correct checklist for your transaction.

Have government-issued identification ready. Ask the team for a secure upload link; do not email tax returns, bank statements, or identification.

Need a second look?
USDA loan underwriting documents
PREPARE FOR UNDERWRITING

USDA loan underwriting documents

Common starting documents — your final checklist may differ.

  • Income documentation for the borrower and other household members as required for USDA household-income eligibility.
  • Recent pay stubs, W-2s, and any requested tax returns or documentation of other income.
  • Bank statements and asset information, including any funds needed for closing.
  • Property address and purchase contract so location and transaction eligibility can be reviewed.
  • Household details and evidence for any allowable income deductions requested by the lender.

USDA reviews both repayment ability and household-income eligibility. Eligible location and primary-residence requirements also apply.

Have government-issued identification ready. Ask the team for a secure upload link; do not email tax returns, bank statements, or identification.

Need a second look?
HELOC and home-equity loan underwriting documents
PREPARE FOR UNDERWRITING

HELOC and home-equity loan underwriting documents

Common starting documents — your final checklist may differ.

  • Current first-mortgage statement and statements for any other liens on the property.
  • Homeowners insurance, property-tax details, and HOA information if applicable.
  • Income records for the chosen program: employment documents for full documentation, or the approved alternative-documentation package.
  • Identification, property ownership details, and any asset statements the lender requests.
  • The lender determines whether an appraisal, automated valuation, or other property review is needed.

A line of credit and a fixed second mortgage may have different requirements. An appraisal waiver is subject to eligibility; it is not automatic.

Have government-issued identification ready. Ask the team for a secure upload link; do not email tax returns, bank statements, or identification.

Need a second look?

Reference guidance: CFPB document preparation, VA eligibility documents, USDA eligibility, and Newfi DSCR requirements. Alternative-documentation and jumbo checklists are general preparation guidance; ask AREG for the selected lender’s current requirements.

MORTGAGE QUESTIONS, ANSWERED

Before the next step.

What fees does AREG waive?

Our mortgage offer includes no points, no processing fee, and no underwriting fee. Other closing costs, prepaid items, taxes, and insurance may still apply. Ask for an itemized estimate.

Do purchase loans include an appraisal credit?

Yes. All purchase loans receive an appraisal credit at closing, up to $600 toward the appraisal charge. Ask Brooke or John how the credit will appear in your closing-cost estimate.

What documents do I need for mortgage underwriting?

Start with identification, documents supporting the income used to qualify, proof of closing funds, and purchase or refinance information. The exact package depends on the program. DSCR and bank-statement loans use different income documentation from a typical wage-earner loan.

Does a DSCR loan require pay stubs or personal tax returns?

DSCR loans generally qualify using the investment property’s rental income rather than employment income. Expect property-income evidence, asset statements, credit review, and entity documents if applicable. The chosen lender confirms the final requirements.

Do bank-statement loans use every deposit as income?

No. Underwriting reviews eligible deposits, transfers, business ownership, and applicable business expenses. A 12-month bank-statement program is a self-employed documentation option, not a guarantee that every deposit counts.

Are these mortgage rates available today?

These charts reproduce the September 7, 2026 edition. They are not a live rate feed or a rate lock. Ask AREG for current pricing, APR, the lock period, and an itemized payment and closing-cost breakdown.

Are these checklists a guarantee of approval?

No. They help you prepare. The lender’s underwriting findings, program rules, and property review determine the final conditions and approval.

Can I ask a question without completing a loan application?

Yes. Select Ask Brooke or Ask John to write a general question and open an email to that account executive. You can also call the extension shown on their card.

Can I send my documents through the question form?

No. The question form is for general questions and does not upload documents. Ask Brooke or John to arrange the appropriate secure document-submission path.

Do rates and loan availability vary by state?

Yes. The property location and program can affect eligibility and available options. Tell the team the property’s state when discussing your scenario; a state page is not confirmation that every loan is available there.

A REAL PERSON. A STRAIGHT ANSWER.

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A real answer. A way forward.

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