Today’s FHA Loan Interest Rates | Compare Multiple Lenders

About this lender

Pros

Offers a program allowing qualifying buyers to make cash offers.
Makes it easy to see customized mortgage rates.
Average interest rates are on the low end compared to other lenders, according to the latest federal data.

Cons

Doesn’t offer USDA loans.
VA loans are not available in every state.
Doesn't offer home equity loans.

Better: NMLS#330511

4.0

Lowest APR

Lowest monthly payment

Great for digital convenienceFHA 30-year fixed

APR

6.176%

Interest rate

5.5%

Mo. payment

$2,311

Insurance $166

Total fees

$14,021

About this lender

Pros

Offers a program allowing qualifying buyers to make cash offers.
Makes it easy to see customized mortgage rates.
Average interest rates are on the low end compared to other lenders, according to the latest federal data.

Cons

Doesn’t offer USDA loans.
VA loans are not available in every state.
Doesn't offer home equity loans.

Simplist: NMLS#1764611

4.5

FHA 30-year fixed

APR

6.269%

Interest rate

5.625%

Mo. payment

$2,343

Insurance $166

Total fees

$12,585

on Simplist

About this lender

Pros

Loan origination process can be completed online.
Offers government-backed FHA and VA loans.
Offers module that compares mortgage rates among other lenders.

Cons

Offers loans in many states and Washington, D.C., but not nationwide.
Does not offer home equity loans or lines of credit.

Simplist: NMLS#1764611

4.5

FHA 30-year fixed

APR

6.269%

Interest rate

5.625%

Mo. payment

$2,343

Insurance $166

Total fees

$12,585

on Simplist

About this lender

Pros

Loan origination process can be completed online.
Offers government-backed FHA and VA loans.
Offers module that compares mortgage rates among other lenders.

Cons

Offers loans in many states and Washington, D.C., but not nationwide.
Does not offer home equity loans or lines of credit.

Next Door Lending LLC: NMLS#1880338

FHA 30-year fixed

APR

6.275%

Interest rate

5.625%

Mo. payment

$2,343

Insurance $166

Total fees

$12,840

on Next Door Lending LLC

About this lender

Pros

Offers unique loan types, including construction loans, first-time home buyer programs with down payment assistance and loans for self-employed borrowers.
Real-time rate quotes available while working with a broker.
Responsive customer service; loan disclosures available within an hour after completing your application.
Competitive pricing often available, especially for non-traditional borrowers.

Cons

Does not publish interest rates online.
No mortgage mobile app.
Loans are not available in every state.

Next Door Lending LLC: NMLS#1880338

FHA 30-year fixed

APR

6.275%

Interest rate

5.625%

Mo. payment

$2,343

Insurance $166

Total fees

$12,840

on Next Door Lending LLC

About this lender

Pros

Offers unique loan types, including construction loans, first-time home buyer programs with down payment assistance and loans for self-employed borrowers.
Real-time rate quotes available while working with a broker.
Responsive customer service; loan disclosures available within an hour after completing your application.
Competitive pricing often available, especially for non-traditional borrowers.

Cons

Does not publish interest rates online.
No mortgage mobile app.
Loans are not available in every state.

NBKC: NMLS#409631

Great for first-time home buyers | digital convenience | customer serviceFHA 30-year fixed

APR

6.651%

Interest rate

6.125%

Mo. payment

$2,473

Insurance $166

Total fees

$7,781

on NBKC

About this lender

Call (888) 871-2381|

Pros

Mortgage rates are on the low side compared to other lenders, according to the latest federal data.
Offers a strong variety of loan types for purchase and refinance, including fixed- and adjustable-rate loans.

Cons

Mobile app focuses on online banking, not mortgages.
You’ll need to share contact information to see customized mortgage rates.

NBKC: NMLS#409631

Great for first-time home buyers | digital convenience | customer serviceFHA 30-year fixed

APR

6.651%

Interest rate

6.125%

Mo. payment

$2,473

Insurance $166

Total fees

$7,781

on NBKC

About this lender

Call (888) 871-2381|

Pros

Mortgage rates are on the low side compared to other lenders, according to the latest federal data.
Offers a strong variety of loan types for purchase and refinance, including fixed- and adjustable-rate loans.

Cons

Mobile app focuses on online banking, not mortgages.
You’ll need to share contact information to see customized mortgage rates.

New American Funding: NMLS#6606

Great for first-time home buyers | customer serviceFHA 30-year fixed

APR

6.683%

Interest rate

6.125%

Mo. payment

$2,473

Insurance $166

Total fees

$8,629

on New American Funding

About this lender

Call (888) 978-8131|

Pros

Offers a wide variety of purchase and refinance mortgages.
Has unique buyer assistance programs.

Cons

Average origination fees are on the high side, according to the latest federal data.
Personalized mortgage rates are not available on the website without providing contact information.

New American Funding: NMLS#6606

Great for first-time home buyers | customer serviceFHA 30-year fixed

APR

6.683%

Interest rate

6.125%

Mo. payment

$2,473

Insurance $166

Total fees

$8,629

on New American Funding

About this lender

Call (888) 978-8131|

Pros

Offers a wide variety of purchase and refinance mortgages.
Has unique buyer assistance programs.

Cons

Average origination fees are on the high side, according to the latest federal data.
Personalized mortgage rates are not available on the website without providing contact information.

Bethpage Federal Credit Union: NMLS#449104

FHA 30-year fixed

APR

7.191%

Interest rate

6.625%

Mo. payment

$2,607

Insurance $166

Total fees

$8,520

on Bethpage Federal Credit Union

About this lender

Pros

Low average FHA origination fees compared to other lenders.
Specialty loans include financing for co-ops and nonwarrantable condos.
Highly rated mobile app.

Cons

Doesn’t offer renovation or construction loans.
Can’t get a preapproval online.

Bethpage Federal Credit Union: NMLS#449104

FHA 30-year fixed

APR

7.191%

Interest rate

6.625%

Mo. payment

$2,607

Insurance $166

Total fees

$8,520

on Bethpage Federal Credit Union

About this lender

Pros

Low average FHA origination fees compared to other lenders.
Specialty loans include financing for co-ops and nonwarrantable condos.
Highly rated mobile app.

Cons

Doesn’t offer renovation or construction loans.
Can’t get a preapproval online.

Rocket Mortgage, LLC: NMLS#3030

Great for digital convenience | customer serviceFHA 30-year fixed

APR

8.026%

Interest rate

7.375%

Mo. payment

$2,812

Insurance $166

Total fees

$11,070

on Rocket Mortgage, LLC

About this lender

Pros

Reported average time to close is 15 days faster than industry average.
FHA loans make up more than 20% of Rocket Mortgage’s total loan volume.
Borrowers can apply via mobile app.

Cons

Origination fees are on the higher end, according to the latest federal data.
No construction or renovation loans.
Physical branches are only available in Detroit, Cleveland, and Phoenix.

Rocket Mortgage, LLC: NMLS#3030

Great for digital convenience | customer serviceFHA 30-year fixed

APR

8.026%

Interest rate

7.375%

Mo. payment

$2,812

Insurance $166

Total fees

$11,070

on Rocket Mortgage, LLC

About this lender