FHA Loan Rates

January 28, 2015
FHA Rates for January 28, 2015
30 Year Fixed
3.25% Rate
3.29% APR
15 Year Fixed
2.75% Rate
3.0% APR
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FHA.com is a private company, is not a government agency, and does not make loans.

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NOTE: We are not the FHA.

HUD insures the FHA loans that we assist people in getting. If you need to contact the FHA directly, we suggest that you contact the Department of Housing and Urban Development.

HUD funds housing counseling agencies throughout the country that can give you advice on buying a home, renting, defaults, foreclosures, credit issues, reverse mortgages or any general questions.

Their official web sites are http://www.fha.gov and http://www.hud.gov.

Find the address of a HUD office near you:

http://www.hud.gov/offices/hsg/sfh/hoc/hsghocs.cfm

US Department of Housing and Urban Development

451 7th Street, S.W., Washington, DC 20410 Toll Free (800) 225-5342

answers@hud.gov

Should you have any questions about the site you are currently on, please e-mail us at: assistance@fha.com

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FHA Loan Articles

Read About Mortgage News, FHA Updates, and Guidelines
FHA Loan Rules for Eligible and Ineligible Condo Projects

There are plenty of FHA loan applicants who are interested in learning what the rules are regarding condo loans. In order to be approved for a home loan to buy a unit in a condo project, that project must meet certain FHA specifications.

FHA Reduces Annual Mortgage Insurance Premiums

FHA made an announcement about cuts in the annual mortgage insurance premium (MIP) in a preliminary January 2015 announcment. The new FHA policy reduces the rate for most Title II forward mortgages with terms greater than 15 years.

What FHA Loans are Eligible for Lower Mortgage Insurance Premiums?

In January 2015, FHA announced that annual FHA mortgage insurance premiums would be reduced, amounting to a savings as much as $900 per year according to a speech by President Barack Obama.

FHA Mortgage Insurance Premiums Requirements

There are many types of questions about FHA mortgage insurance premium requirements, but since the FHA changed its MIP policies to extend MIP for the maximum duration permitted by law, we've seen more questions about those changes.

FHA Extends Refinance Program for Underwater Borrowers

In 2010, the FHA offered a program designed to help those who were underwater on their home loans, owing more on the loan than the property was worth. That program was called FHA Refinance Of Borrowers In Negative Equity Positions.