Find! FHA Experts

FHA Mortgage Rate Information
Apply for a FHA Loan
FHA Mortgage Rates
What is an FHA Loan
FHA vs. Conventional
FHA loan limits
FHA Mortgage Insurance
Required Documentation
FHA Closing Costs
Purchase vs. Refinance
FHA Streamline Refinance
FHA Refinance Loan
FHA Cash Out Refinance
FHA Hybrid Arm's
Hope 4 Homeowners H4H
FHA Jumbo Loan Program
Reverse Mortgages
FHA Secure Program
203-K Rehab Loans
203-K Streamline Loans
Find a 203-k Consultant
FHA Kiddie Condo's
Officer next door
Teacher next door
MIP Refund explanation
FHA HUD homes
Home Buying Guides
Message Boards
Get the answers to all your 'bottom line' questions on our Mortgage Calculators Page.
Website Awards
Business Links
Link Exchange
FHA Mortgage Leads
About Us
Privacy Policy
Equal Housing Opportunity.
Equal Housing Opportunity Logo 
2692 Madison Rd. Suite N1 #249, Cincinnati, OH 45208 ---  Contact Us

Copyright © FHA Info 2001-2012
All Right Reserved


FHA Rates

FHA rates are not set by FHA or HUD because they donít actually loan money.  FHA insures loans from lenders that meet FHA standards. Those standards include the acceptability of the buyer, the appraisal of the property and the title of the property.  Therefore the FHA Rates that you see as the consumer are set by the individual lender making the loan.

A FHA mortgage loan has a very low down payment requirement of around 3.5%. Most borrowers expect to obtain a FHA fixed mortgage rate loan.  The fact that your loan will be FHA approved and insured may result in a slight reduction in interest rates or mortgage insurance cost as compared to a conventional loan.

FHA loans also have insurance costs to the lender, as do most mortgages with a down payment of less than 20%. In the case of the FHA, however, those insurance payments are made to HUD instead of a private mortgage insurance company. On an FHA loan the borrower will be charged an insurance premium between 1.5% - 3.0% of the mortgage amount and the yearly payments thereafter will be between 0% and .55% of the mortgage value. 

FHA Mortgage Rates can and will vary between lenders.  FHA rates change daily and are based on Ginnie Mae bonds sold on Wall Street.  On top of what Wall Street wants then lender has to make a profit on the loan.  Depending on their profit requirement will determine the FHA Rates that they offer the public.

This is basically the difference that you see if FHA Rates among different lenders.  Lender "A" may require a certain yield that is different than lender "B".  The you will see a different FHA Rates between them.

 Search FHA mortgage rates in your area



How to Qualify
Understanding fha loan credit guidelines
Credit Guidelines
fha loan income guidelinesIncome Guidelines
overcome credit problems to get approved for a fha loanOvercoming Credit Problems
FHA loan case studies

Case Studies

FHA loan underwriting

What are compensating factors ?

How much money do you need for a fha home loan

How much money do I need?

Where can you get Free down payment moneyWhere to get down payment money