Compare Regions's published mortgage terms against a documented Freeman Douglas offer. Same loan scenario. Clear payments, points, lender costs and interest. Original sources included.
Independent comparison published by Freeman Douglas Corp. Freeman Douglas is not affiliated with, endorsed by, or an agent of Regions Bank. Regions information is third-party public advertising, reproduced here for consumer comparison.
Regions does not publish a rate or APR for this product on its website (checked November 1, 2026) — you must apply or call to get a number you can compare.
Douglas Wilkerson · Mortgage Broker | Branch Manager · NMLS #1680719 · Freeman Douglas Corp, DBA of Edge Home Finance
Regions does not publish a rate or APR for this product on its website (checked November 1, 2026) — you must apply or call to get a number you can compare.
Douglas Wilkerson · Mortgage Broker | Branch Manager · NMLS #1680719 · Freeman Douglas Corp, DBA of Edge Home Finance
Regions does not publish a rate or APR for this product on its website (checked November 1, 2026) — you must apply or call to get a number you can compare.
Douglas Wilkerson · Mortgage Broker | Branch Manager · NMLS #1680719 · Freeman Douglas Corp, DBA of Edge Home Finance
Regions shares no public information about its rates and fees — its site carries none. The public record does: federal HMDA data for Regions' 2025 closed loans shows its conventional 30-year purchase borrowers (1,699 loans with 20%+ down) paid a median rate of 6.625% with $4,521 in median loan costs, and its FHA borrowers a median 6.25% rate with $8,828 in median loan costs. Those are historical actuals, not offers — and they are exactly why a price you can see before you apply (the Freeman Douglas column: dated, at 0 points) beats a price you learn at the closing table.
A veteran doesn't win because a bank put a flag in an ad. A veteran wins when somebody puts the bank's rate, points, APR and lender fees on one side of the page and the same loan — priced across the market — on the other, before anything gets signed. Every dollar a veteran doesn't hand over in points and fees is a dollar that stays with their family. Publishing this comparison, on the record, every day, is how we truly help our military community: not with a slogan — with the numbers.
A first-time buyer doesn't win because an ad said "3.5% down." A first-time buyer wins when somebody shows them the whole cost — rate, APR, points, mortgage insurance and lender fees — next to the same FHA loan priced across the market, before they sign. That's how we truly help our first-time homebuyer community: not with a headline — with the numbers, where everyone can check them.
Regions' low-down pair: Affordable 97 is 3% down with no borrower-paid mortgage insurance (income generally capped at 80% of HUD median unless the home is in a low/moderate-income tract; down payment can come from a gift or grant). Affordable 100 finances up to 100% of value, fixed rate, no borrower-paid mortgage insurance, seller contributions up to 3%.
Same program, or the same outcome, here: No-MI low-down conventional lending is HomeReady/Home Possible territory — Fannie Mae and Freddie Mac programs any approved lender delivers. Here they are priced across the market, with Regions' versions explained on the record.
A $10,000 grant toward down payment or closing costs that does not need to be repaid — first-time buyers, limited and first-come while funds remain, select markets, pairing with HomePossible, HomeReady or Affordable 97 first mortgages.
Same program, or the same outcome, here: A $10,000 grant is worth taking if your file fits — and worth comparing against Florida Housing assistance and Hometown Heroes on the same file, which is what a broker does before pointing you at one bank's grant window.
Doctor Loan: no down payment on loans up to $1 million and low down payment up to $2 million for MDs, dentists and DOs including residents and fellows, no borrower-paid PMI, can close before employment starts. Emerging Professionals extends low-down, no-borrower-paid-PMI lending to attorneys, pharmacists, nurse practitioners, PAs, nurse anesthetists, veterinarians, chiropractors, optometrists and podiatrists within seven years of starting practice.
Same program, or the same outcome, here: Professional loans are a wholesale shelf staple — same structures, priced across lenders instead of inside one bank's career-stage program.
Same program. Same guidelines. Way cheaper — because one bank gives you their price for it, and we price it across the market. Today's matched comparison is in the cards above.
Bank figures are taken from Regions's own published rate pages and disclosures, captured with the date shown and linked below. Freeman Douglas figures are that day's priced scenario: $450,000 loan, 30-year fixed, primary residence, single-family, borrower-paid compensation, 0 points; down payments VA 0%, FHA 3.5%, conventional 5%. Payments are principal & interest only, recalculated from the amortization formula, never copied from an advertisement. Discount points are never lumped in with origination charges; each cost keeps its own label. Rates change daily — when this page's figures roll forward, the date above rolls with them.
Regions publishes none — no rates or fees on its site as of November 1, 2026. The HMDA actuals in the section above (what its 2025 borrowers really paid) are the closest public record, and the Freeman Douglas column is a live, dated price.
Regions describes it as a $10,000 grant that does not need to be repaid — with first-time buyer, market and funding-availability limits, and it must pair with specific first mortgages. Bring the terms; we'll line it up against Florida's state assistance on the same file.
Request a documented, side-by-side financing review from Freeman Douglas — bring any Loan Estimate, or start with your own numbers.
