Personalize Your Mortgage Rate
2.99%
3.121% APR*

FHA Loans

FHA Loans are easier to qualify for, even if you have a low credit score

Opening the door to flexibility with an FHA Mortgage.

Insured by the Federal Housing Administration, FHA home loans are government-assisted alternatives to conventional financing, and were originally offered by FHA lenders to first-time home buyers with imperfect credit. Now, FHA loans are open to a wider audience, and are even popular options for homeowners looking to refinance, including an FHA streamline refinance and FHA cash out refinance.

Overall, FHA mortgage loans provide more flexibility in credit, income, equity/down payment requirements, and FHA mortgage rates today are low. They do include a Mortgage Insurance Premium (MIP), as well as monthly mortgage insurance, but a fixed rate FHA loan enables many homeowners who wouldn’t qualify for conventional financing to purchase or refinance a home.

Today’s FHA Mortgage Rates

See more rates

Why get an FHA loan?

  • Put just 3.5% down
  • Easier to qualify for
  • Fixed and adjustable FHA loan rates are available
  • Refinance a conventional loan into an FHA loan

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Rate Assumptions

* Rate displayed are subject to change and assumes that you are buying or refinancing an owner-occupied single family home, all borrowers have credit scores of 740 or higher, debt-to-income ratios of 35% or lower, asset and reserve requirements are met, and your property has a loan-to-value of 80% or less. The Annual Percentage Rate (APR) is based on a loan amount of $200,000 and may include up to 3 points. (Points include any origination, discount and lender fees.) On adjustable-rate loans, interest rates are subject to potential increases over the life of the loan, once the initial fixed-rate period expires.Please contact one of our Mortgage Bankers at for a customized rate and payment quote.

** loanDepot Lifetime Guarantee: Refinancing is conditional on whether the program type or applicable state/federal laws contain “seasoning” restrictions that would make refinancing during a specific period legal. For example, waiting until after the 12th month may be required. This may not be redeemed within 180 days of the Date Issued. Your loan approval for the future refinance is not guaranteed. You must fully qualify for the selected refinance and meet all the requirements of the loan program you select at the time you apply for the refinance. The appraised value of your home for the future refinance is not guaranteed. There must be a full appraisal of your home when the new refinance is requested and the value at that time must be acceptable for the program and loan terms you request. Appraisal fees will be reimbursed at the closing of the refinance transaction. The interest rate for the future refinance is not guaranteed. You will have to qualify for the loan requested and will be quoted the interest rates in effect at the time of your next refinance. This program is only available to applicants who closed their previous loan with loanDepot and received a “loanDepot Lifetime Guarantee” certificate. Certificate must be presented in order to qualify for program. Future application must be made directly to loanDepot via the website (www.loandepot.com) or via telephone (888-337-6888). This document is non-transferable.

loanDepot is a direct mortgage lender offering access to current mortgage rates on residential home loans with a selection of mortgage programs including: refinance mortgages, adjustable and fixed rate mortgages, HARP loans, Jumbo, VA and FHA loans. Licensed in all 50 states, loanDepot is an approved seller/servicer to Fannie Mae, Freddie Mac and Ginnie Mae, providing online mortgage loans for refinancing and home purchase. We are committed to delivering accurate lending information, competitive mortgage interest rates, easy loan processing and best in class home loan financing.