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Read the latest HUD news with updates on loan programs and reports on the current FHA mortgage rates. Did You Know? The Federal Housing Administration is the largest insurer of home loans with low down-payment? With depleted FHA reserves are running low it may force the agency to raise insurance premiums. This means that even though FHA rates are at their lowest level since its inception, borrowers may not save money when refinancing to a lower interest rate. This will raise the cost for new home buyers and could hinder the housing recovery as well.  > Today’s FHA Rates

FHA Rates

The current FHA rate is underscoring affordability for millions of new home buyers. With Today’s FHA rate hovering at 3.5%, many consumers may be able to become homeowners because owning a home may actually reduce housing expenses when compared to rising costs associated with renting. Ask your loan officer to do a side by side analysis that compares renting versus buying with your specific situation and FHA mortgages.

FHA Rates at 3.125%: The payment on a $250,000 at 3.125% is $1,070.94. This rate includes $995 due at closing. 9-17-2012 The APR on this proposed loan would be 3.27%. Be aware that the payment sample above does not include taxes and insurance.

30-Year Fixed FHA Rate: The payment on a $200,000 at 3.5% is $898.09. This interest rate includes no points due at closing. 12-17-2013 The APR on this proposed loan would be 3.5% because there is no closing costs with this option. The payment example does not include taxes and insurance.

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FHA rates reached all-time 30-year rate lows according to Freddie Mac who records mortgage rate averages weekly. Fixed FHA rates today provide borrowers the security with 15 and 30-year rates. For example, 15-year FHA rates have dropped below 4% and the 30-year FHA rates range from 3.125% to 3.5%. American homeowners and those considering becoming a first time homebuyer should jump at the opportunity to lock into a government insured loan this low. Rates for refinancing have been extremely affordable and in most cases this government finance program can easily be integrated into the new and improved automated lending process available with streamline loans. Our company will help you get introduced to lenders that pride themselves in offering the best FHA rates online.

 

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FHA limits vary by state and county. It's important to get FHA interest rates that are applicable to your state and county.

Check these popular listings for new mortgage limits queried specifically by state. We will connect you with a local loan officer to help you get approved for the best 30-year FHA rates in your region.

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FHA Mortgage Rates Reach Record Lows!

FHA loans rates have never been more affordable for first time home buyers. FHA refinance rates may be more difficult to qualify for than in recent years, but with fixed rates below 4% it is well worth while. If you have a FHA mortgage loan now and want to lock into a FHA rate guaranteed below 4% for the next fifteen to thirty year, act now and streamline with a low rate FHA refinance loan. According to Nationwide, mortgage rate refinance applications continue to surge, so lock into a great FHA rate now before it's too late and market conditions worsen. The Current FHA rates indicate that this is the most favorable time to buy or refinance in the last 60 years.

FHA interest rates are insured by the government, so when you lock the FHA rate, you know the lender will back it. HUD recently announced new FHA limits, so check with your loan officer regarding program eligibility and maximum loan restrictions. It's no secret that the Fed has pumped so much money into the Federal Reserve to increase liquidity that FHA interest rates today have fallen to record levels.

  • Fixed FHA Home Loan Rates
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FHA Loan Rate

Lock into Fixed FHA Loan Rates starting at 3.5%

 

In order to avoid getting caught with rising FHA rates, you need to get an approval now. This will allow you to lock in the lowest FHA rates. For those who want to stay in their home or want a predictable payment, we recommend the FHA mortgage with a fixed 30-year rate. It will give you a set payment and a set rate for the life of the loan.

FHA Loan Articles to Read

2013 FHA Loan Guidelines
FHA Loan Qualifications for 2012
How to Qualify for a FHA Loan
Down-Payment Requirements Rising for FHA?

 
 

© 2008 to 2013 - FHAHomeLoanRefinancing.com - This is a website and does not guarantee FHA interest rates online. This is not an advertisement for credit as defined by paragraph 226.24 of regulation Z nor a commitment to lend. FHAHomeloanRefinancing.com does not make FHA mortgages. This site does not pre-qualify or guarantee approvals but our services can refer you to licensed FHA lenders. FHAHomeloanRefinancing.com has no affiliation with FHA or any other government subsidiary Certain restrictions and requirements may apply. - Site Disclosures

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Certain restrictions on loans may apply and we suggest checking with your agent because pricing can change without notice on FHA rates.