FHA Mortgage Rates
Fixed Interest FHA Rates for Purchase or Refinance

Our government mortgage lenders provide affordable FHA mortgage rates for fixed refinance, home purchase loans and home rehabilitation. Nationwide's lending team publishes current FHA rates on a daily basis. We proud to offer the lowest fixed FHA mortgage rates online for 15 and 30 year loan terms. Interest rates for FHA loans began to drop significantly in 2008, and once HUD released the news about the FHA loan limits increasing to $729,750 in high cost areas like California, Colorado, New Jersey, Maryland and Virginia, borrowers throughout the country are rushing to refinance their ARM's into a low fixed rate mortgage that works with their budgets.

FHA Loan Rates for Refinancing & Home Buying at 3.875%

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FHA Rates
The Department of Housing and Urban Development insures that FHA mortgage rates are as affordable as private money lending. Choose FHA rates from several term options.
  • 30-year fixed rate mortgage
  • 15-year mortgage with fixed interest
  • 5/1 ARM ensuring fixed rates for 5 years

Today's FHA mortgage rates remain at record lows and borrowers nationwide are blessed with a unique opportunity to save money with government home financing. With most economists predicting an interest rate hike on the horizon, the time is now to get locked into the best fixed FHA rate since the Federal Housing Administration was founded in 1934.

 

With FHA rates continuing to set new record for the lowest government interest rates ever, we have noticed a surge in loan applications. After a series of mortgage rate cuts, the Federal Reserve has made a commitment to assist in foreclosure prevention and aid the economy's road to recovery with a trend of low interest rates. The mortgage rates for FHA refinancing have declined to record low levels. Nationwide continues to provide premium refinance options with discounted low interest rates for cash out, rate an term or home purchase loans. Borrowers also like FHA mortgage loans because they accept good and bad credit scores and homeowners can consolidate their debts and refinance up to 95%.

FHA Rates Have Never Been Lower for Thirty-Year Home Loans

Get the Current FHA Mortgage Rates by State

FHA Mortgage Rates in California | Colorado Mortgage Rates FHA | Texas FHA Mortgage Rates | FHA Mortgage Rates New York | New Jersey FHA Mortgage Rates | Pennsylvania FHA Rates


Competitive FHA Mortgage Rates Offer Low Payments that
Save More Money!

FHA Mortgage Rates

We provide low rate FHA mortgage loans for fixed rate refinancing. Consumers want more refinancing options with discounted mortgage rates that provide more affordable monthly payments. Unique FHA Mortgage Loans from Nationwide:

  • Fixed Rate FHA Home Mortgages
  • Cash Out Mortgage Refinancing
  • FHA Streamline Rate Reduction
  • 97% Rate and Term Refinance
  • Fixed FHA Home Loan Rates
  • 30 Year Fixed Mortgage Rates
  • 15 Year Fixed Rate Refinancing
  • 3-1 ARM Refinancing Rates
  • 5-1 ARM Refinancing Rates
  • Competitive Low Interest Rates
  • Refinance & Pay off Chapter 13 BK

FHA mortgage loans have increased in popularity in recent years, especially with lower and middle class home buyers (because there are FHA loan limits). They are the favorite mortgage type for first time home buyers mainly because FHA mortgage rates are low and they have fewer requirements and lower down payments (as little as 3.5%). FHA mortgages can only be purchased through approved FHA lenders, so you should make sure the lender you are talking to is approved for FHA lending in your state. There are still many low FHA mortgage rates available online and in local banks and mortgage companies. Comparing lenders online can help you find the best loan companies offering low rate FHA mortgage programs. First, you want to look for lenders that have experience with government loans.

Comparing the Best FHA Mortgage Lenders Online

Approved FHA lenders write mortgages that are backed by the federal government. This removes some of the risk from the mortgage company. When you look for FHA companies that have experience with government loans, you ensure that the company understands the process necessary for applying and receiving quotes for FHA mortgage rates. Comparing lenders online, you should be able to see the most experienced and best FHA lenders. Since the internet is all over the nation, make sure the lender you are talking to is approved for FHA lending in your state. Also, make sure your budget and target real estate area does not exceed FHA loan limits.

Please complete this simple form to receive a personalized rate request from Nationwide Mortgage Loans. Once you have completed this request for a FHA mortgage rate quote, your information will be sent to Nationwide Mortgage Loans. A professional loan officer from Nationwide Mortgage Loans will contact you by telephone or email. Remember that FHA mortgage rates are subject to change, so get approved and lock your rate with an approved FHA lender.

Compare FHA Mortgage Rates for Refinance or Purchase Loans

FHA Mortgage Rate

FHA interest rates continue to stimulate the housing sector with opportunities for affordable housing. With the Federal Reserve keeping key rates at nearly zero, millions of borrowers have benefitted from the lowest FHA mortgage rates in decades. Many homeowners are able to salvage their home by avoiding a foreclosure because refinancing with lower FHA rates saves those thousands of dollars a year.

 


Refinance Tools


ARM vs. Fixed Rate Calculator
How does a fixed rate FHA mortgage compare to a hybrid loan, like a 3/1 or 5/1 ARM?

It is very important to discuss your FHA loan eligibility with a loan officer as the guidelines for FHA loan programs have seen many changes. FHA Rates are still at record lows, so take a moment and calculate several payments with our mortgage calculators.

Best Time to Refinance
How to Refinance a Mortgage

When to Refinance a Home


Find the best FHA Mortgage Loan Option in your state


Nationwide Mortgage Blog

FHA Mortgage Rates Dip

Conventional & FHA Mortgage Rates Drop

In 2009, HUD announced that FHA Secure refinancing will no longer be offered, but the new FHA Hope for Homeowners program is expected to be popular like a loan modification that also prevents foreclosure. FHA interest rates continue to rival conventional mortgage rates, but the government loan program is more flexible for refinance and home buying transactions.


Additional FHA Mortgage Loan Pages:
FHA Refinancing Loans | 203K FHA Home Improvement Loans | FHA Streamline Refinance | FHA Home Loans | 97% FHA Refinance Loans | Fair Credit Mortgage Refinancing | FHA Refinance | Cash Out FHA Refinance Loans | FHA Mortgage | FHA Rates | Low Mortgage Rates | FHA Mortgage Rate
Refinance Rates | Mortgage Refinancing | Home Mortgage Interest Rates | Best Fixed Mortgage Rates | Apply Now
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