Choose from several FHA loan programs that are backed by HUD: Adjustable Rate Mortgages, Fixed Rate Loans, Energy Efficient Mortgages, Graduated Payment Loans, Condo Loans, and Growing Equity Mortgages.

FHA Loan Rates

March 27, 2015
FHA Rates for March 27, 2015
30 Year Fixed
3.5% Rate
3.74% 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.

FHA Loan Types

Choose from Several FHA Mortgage Programs

An FHA loan benefits those who would like to purchase a home but haven't been able to put money away for the purchase, like recent college graduates, newlyweds, or people who are still trying to complete their education.

The FHA adjustable rate mortgage is a HUD mortgage specifically designed for low and moderate-income families who are trying to make the transition into home ownership.

Many homeowners with adjustable rate mortgages find themselves in financial trouble because of current interest rate increases. FHA Secure refinancing can help when foreclosure is a threat.

An FHA reverse mortgage is designed for homeowners age 62 and older. It allows the borrower to convert equity in the home into income or a line of credit.

The FHA Energy Efficient Mortgage program helps current or potential homeowners significantly lower their monthly utility bills and incorporate the cost of energy efficient improvements into their mortgages.

Graduated Payment Mortgages are FHA loans for home buyers who currently have low to moderate incomes but expect them to increase substantially over the next 5 to 10 years.

FHA Section 245(a) allows those who currently have a limited income, but expect that their monthly earnings will increase, to purchase a home with the help of a Growing Equity Mortgage in which payments start small and increase gradually over time.

FHA condominium loans, sometimes called condo loans, are specifically designed toward those who purchase housing units in a condominium building.

Various loan options are available for those who prefer not to use the loans noted above. These alternatives include VA loans, conventional loans, jumbo fixed rate loans, among others.

FHA Loan Articles

Read About Mortgage News, FHA Updates, and Guidelines
FHA Condo Loan Myths

FHA condo loans are available for projects on the FHA approved list--if you need to have a condo project added to the FHA approved list should discuss the situation with the lender.

FHA Appraisals: Not a Guarantee for a Perfect Home

A common problem with FHA appraisals has nothing to do with the outcome of the appraisal per se, but rather the borrower's interpretation of what passing an FHA appraisal actually means.

Can the Seller Pay for FHA Home Loan Expenses?

FHA loan rules govern a wide range of issues when it comes to the purchase of a home with an FHA mortgage. The seller would be allowed to contribute up to six percent of the sales price of the property without a penalty.

FHA Changes Electronic Signatures Policy

The FHA has announced it would accept electronic signatures (also known as e-signatures) on several FHA home loan documents. The new policies are found in detail described in FHA Mortgagee Letter 14-03.

FHA Home Loans for Single Parents

There's a type of common question about FHA home loans that involves whether there's any special help for some FHA loan applicants such as single parents. Is there any assistance for people who need down payment help or lower mortgage payments?