FHA Home Logo

FHA Loan Options
FHA Loan Programs
FHA Loans After Foreclosure or Bankruptcy
FHA Streamline Refinance Rates
FHA Refinance Lenders
FHA Rate
FHA Refinancing
First Time Home Loans for Poor Credit

FHA Mortgage Lender Info
FHA Guidelines
FHA Credit
FHA Lending
FHA Requirements

FHA Home Loans
FHA Home Financing
FHA First Time Home Buyer
Pre-Approval Loan

FHA Loan Qualification

FHA Loans with Bad Credit

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.

FHA Rates
Check the Current FHA Interest Rates Today

You should know your credit scores like you know your FHA rates,
Get Your FREE Credit Score Now!

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.


Get No Cost FHA Rate Quotes for
Refinancing and 1st Time Home Buying

FHA Rates
Talk to FHA Lenders with No Obligation
Top Rated Source for Low FHA Rates!

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
Preferred Loan Type:
Mortgage Balance
Property Value
Credit Rating
Property State
Full Name
email Address

SSL Encrypted
Filling out this form puts you under no obligations. By clicking "Get Started" I am consenting to have my information shared with one to four brokers or lenders and other business partners and for them to contact you (including through auto means; ie. autodialing, text & pre-recorded messaging) via telephone, mobile device and email, even if your telephone number is currently listed on any state, federal or corporate Do Not Call list.

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
  • Best FHA Rates for Refinancing
  • Flexible FHA Interest Rates
    (3/1, 5/1 7/1 ARM)
  • Lowest FHA Streamline Rates
  • Fixed 30-Year FHA Rates
  • 15-Year Fixed Rates with No PMI
  • Easy Credit Guidelines
  • Minimal Down-Payment Requirements
FHA Loan Rate

Lock into Fixed FHA Loan Rates


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

FHA Down Payment Assistance
Home Buying with Bad Credit
Buy a Home with No Down Payment


© 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

FHA Home Loan Refinancing Corporation, 3 Mason, Ste B, Irvine California 92618 | Blog for FHA Home Loans

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