Affordable home financing with lower down payments.
FHA loans offer low down payments, flexible requirements, and competitive rates to help you find your dream home.
Make homeownership achievable with an FHA loan.
FHA loans are ideal for first-time buyers, those with lower credit scores, and anyone looking to purchase a home with a low down payment. They offer a straightforward path to homeownership with flexible requirements and lower financial barriers.
Today's FHA Loan Rates
Legal Disclosures
| Loan Type | Rate | APR | Points | Est. Monthly Payment |
|---|---|---|---|---|
| FHA 30-Year Fixed | 6.500% | 7.363% | 2.184 | $2,250 |
| Loan Type | Rate | APR | Points | Est. Monthly Payment |
|---|---|---|---|---|
| FHA 30-Year Refinance | 6.625% | 7.548% | 2.479 | $2,280 |
| Loan Type | Rate | APR | Points | Est. Monthly Payment |
|---|
| Loan Type | Rate | APR | Points | Est. Monthly Payment |
|---|
FHA 30-Year Fixed: Interest rate offered based on $356,125 loan amount with 7.363% APR and $2,250 monthly payment at 70% loan-to-value (LTV) and 2.184 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 3, 2026.
FHA 30-Year Refinance: Interest rate offered based on $356,125 loan amount with 7.548% APR and $2,280 monthly payment at 70% loan-to-value (LTV) and 2.479 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 3, 2026.
Fixed 20-Year HELOC: Interest rate offered based on $100,000 loan amount with 9.500% APR and $932 monthly payment at 20% loan-to-value (LTV) and 0.027 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 3, 2026.
Fixed 30-Year HELOC: Interest rate offered based on $100,000 loan amount with 9.875% APR and $868 monthly payment at 20% loan-to-value (LTV) and 0.092 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 3, 2026.
Home equity lines shown assume a 3-year draw period, a $25,000 minimum initial draw, a $99 annual fee, a $100 minimum payment. Repayment period is 204 and 324 months, following the draw period. Terms are an example only and vary by line amount, property and credit profile.
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August 26, 2026
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October 13, 2026
Tom was great to work with. He helped explain any of the terms I questioned with patience. He and Michelle got everything done and organized and pushed through so efficiently with my tight time line. Couldn't have done it without them!
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September 18, 2026
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Verified Customer
August 19, 2026
We had an outstanding experience with Lower Mortgage, and I can’t say enough good things about Eva and Tanner. From the beginning, they were professional, responsive, knowledgeable, and incredibly easy to work with. Buying a home and working th…rough the mortgage process can be stressful, especially when there are a lot of moving pieces, but Eva and Tanner made the entire process feel organized and manageable. They were always available when we had questions, explained our options clearly, and kept us informed every step of the way. What impressed us most was that we never felt like just another loan in the pipeline. Eva and Tanner genuinely seemed invested in making sure everything went smoothly and that we were comfortable with the decisions we were making. Communication was excellent, deadlines were handled without drama, and there were no unpleasant surprises at the finish line. Lower Mortgage was extremely competitive, but the service from Eva and Tanner is what really made the experience stand out. They delivered exactly what they said they would and helped make what could have been a stressful process remarkably smooth. We would absolutely use Lower Mortgage again and would recommend Eva and Tanner without hesitation. Five stars and a huge thank you to both of them!
John J.
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September 26, 2026
Michael was bery responsive and answered all our questions!
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August 14, 2026
Get your personalized FHA rate quote.
Discover how affordable homeownership can be with an FHA loan. Get a personalized rate quote tailored to your financial goals and start your journey today.
Shop for your FHA Loan with no credit check.
Explore your options risk-free! Get started with a soft credit check that won’t impact your score and see how an FHA loan can work for you.
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First-time buyer? We’re here to guide you every step of the way. Our loan advisors are available when you need them—text, call, or email, even on weekends. With personalized service that fits your schedule, we make homebuying simple and stress-free.
You’ve got FHA loan questions. We’ve got answers.
FHA loans are built for accessibility.
They generally have more flexible credit score, debt-to-income ratio, and down payment requirements than conventional loans. Some borrowers may qualify for a 3.5% down payment with a credit score as low as 580.
For many buyers, an FHA loan can open the door to homeownership. If you’re looking for a loan option with more flexible qualification standards and a lower barrier to entry, an FHA loan may be worth considering.
You can use our FHA loan calculator to explore different example payment scenario.
What types of properties can I buy with an FHA loan?
FHA loans can be used to purchase primary residences, including single-family homes, condos, and multi-family properties (up to four units), as long as you live in one of the units.
How much do I need for a down payment with an FHA loan?
With an FHA loan, you can buy a home with as little as 3.5% down if your credit score is 580 or higher. If your score is between 500 and 579, a 10% down payment is typically required.
What is an FHA loan, and how does it work?
An FHA loan is backed by the Federal Housing Administration, offering low down payments and more flexible credit requirements than conventional loans. It’s designed to make homeownership accessible, especially for first-time buyers. FHA loan limits vary by county.
FHA Loan Resources
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Can You Assume an FHA Loan?
Learn how to assume an FHA loan, including eligibility, qualification requirements, and potential...
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Can You Buy a Short Sale Home With an FHA Loan?
Learn how to buy a short sale home with an FHA loan, including eligibility, appraisal requirements,...
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How Many FHA Loans Can You Have?
Most borrowers can hold one FHA loan at a time. See the relocation, family size and jointly owned...
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Can You Refinance an FHA Loan?
Learn how to refinance an FHA loan, compare Streamline, Simple, cash-out and conventional options,...
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FHA-Approved Condos: Can You Buy a Condo With an FHA Loan?
Learn how to buy a condo with an FHA loan, including requirements for FHA approval and Single-Unit...
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FHA Gift Funds Down Payment Rules
Learn how FHA gift funds can help cover your down payment and closing costs, including eligibility...
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2026 FHA Loan Limits by County: Interactive Map
See 2026 FHA loan limits for every U.S. county. Floor $541,287, ceiling $1,249,125. Find your...
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FHA Loan Closing Cost Requirements
Discover FHA loan closing costs, including fees, down payments, and mortgage insurance. Learn how...
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FHA Debt-to-Income Ratio: Max DTI Limits
Learn FHA debt-to-income ratio limits, including 31/43 benchmarks, max DTI with compensating...
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How to Get Rid of PMI on an FHA Loan: FHA MIP Removal Guide
Learn how to get rid of PMI on an FHA loan, when FHA MIP falls off, when it lasts for the loan term...
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FHA Multifamily Loans: Finance 2-4 Units With 3.5% Down
Buy a duplex, triplex or fourplex with an FHA multifamily loan. See 2026 FHA 2-4 unit guidelines,...
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FHA Max Seller Concessions: Limits and Rules
Learn the FHA max seller concession limit, what HUD counts toward it, how the 6% cap works and...
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FHA Student Loan Guidelines
Discover how FHA guidelines treat student loans in your debt-to-income ratio, including...
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FHA vs. Conventional Loans for 2- to 4-Unit Properties
Compare FHA and conventional loans for duplexes, triplexes and fourplexes, including down payments,...
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How Do FHA Appraisals Work?
Understand FHA appraisals, their requirements, and how they differ from home inspections. Learn how...
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How Soon Can You Refinance an FHA Loan?
Learn how to refinance your FHA loan, including timing, eligibility, and requirements for various...
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FHA Loan Requirements for 2026
Learn how to qualify for an FHA loan with flexible credit requirements, manageable debt-to-income...
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What Down Payment Do I Need for an FHA Loan?
Learn how to qualify for an FHA loan, including credit score requirements and down payment options,...
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FHA Refinance
Explore flexible FHA refinance options, including streamlined ways to lower your rate and cash-out...
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What Credit Score Do You Need for an FHA Loan?
Discover FHA loan eligibility requirements, including credit score thresholds, down payment...
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FHA 203(k) Renovation Loan: How It Works
Discover how FHA 203(k) renovation loans allow you to purchase or refinance a home while financing...
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What is an FHA Loan?
Explore FHA loans, government-backed mortgages that make homeownership accessible with flexible...
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What is an FHA Simple Refinance?
Discover the FHA Simple Refinance, a streamlined way to adjust your FHA mortgage without cashing...
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What is an FHA Streamline Refinance?
Explore FHA Streamline refinance options for existing FHA borrowers to lower rates and improve...
Find out more about FHA loans in your state.
FHA limits and rates vary by state. Click on your state below to learn more about getting an FHA loan.