FHA Loan Rates

April 19, 2015
FHA Rates for April 19, 2015
30 Year Fixed
3.5% Rate
3.74% APR
15 Year Fixed
2.75% Rate
3.0% APR
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FHA Loan Articles

Read About Mortgage News, FHA Updates, and Guidelines
Appraisals and the Crawl Space

Appraisals are an important part of the FHA loan process, and we get plenty of questions about what may or may not be acceptable in the appraisal. For some, depending on the age and design of the home, crawlspaces can be a worry.

Rules on Personal Property Included With a Home Sale

There are situations where a buyer wants to purchases a home with an FHA loan and the seller will try to sweeten the deal by offering to include personal property such as appliances, vehicles, or other items. Including such things would require the lender to deduct the value of all the included items from the loan amount.

MIP Reduction and Cancelled FHA Loan Case Numbers

The answer to this question is fairly simple. Any FHA borrower with a forward mortgage longer than 15 years (excluding the exceptions mentioned above) who has an FHA loan case number assigned on or after January 26, 2015 is eligible for the new, lower annual MIP.

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.

Private Mortgage Insurance Requirements

One common question we get involves Private Mortgage Insurance and the premiums for that insurance. Borrowers should discuss PMI policy changes with a loan officer.