Today’s FHA Mortgage Rates.

November 3, 2010

*Please note that FHA Rate are subject to change, sometimes several times per day.*

*We now have credit score tier specific FHA mortgage Rate!*

*All FHA Rates posted are based on 30 day locks. *

*Please note that the FHA Rate posted are subject to adjustments for the following criteria*

1) Loans amounts under $100,000.00.

2) State specific adjustments.


FHA 30 year fixed – Credit Scores 620 to 639

With 2.0 points – 3.75%! – APR of 4.898%

With 1.4 points – 3.875%! – APR of 5.061%

With 0 points or lender fees – 4.25%! – APR of 5.25%


FHA 30 year fixed – Credit Scores 640 to 659

With 2.0 points – 3.75%! – APR of 4.898%

With 1.4 points – 3.875%! – APR of 5.061%

With 0 points or lender fees – 4.25%! – APR of 5.25%


FHA 30 year fixed – Credit Scores 660 to 699

With 2.0 points – 3.75%! – APR of 4.898%

With 1.4 points – 3.875%! – APR of 5.061%

With 0 points or lender fees – 4.25%! – APR of 5.25%



FHA 30 year fixed – Credit Scores 740+

With 1.4 points – 3.75%! – APR of 4.875%

With 1. points – 3.875%! – APR of 4.965%

With 0 points or lender fees – 4.125%! – APR of 5.126%



FHA 15 year fixed – Credit Scores 620 to 639

With 1 point  – 3.50%! – APR of 4.730%

With 0 points and a credit towards closing costs of 1 point – 4.0%! – APR of 5.078%


FHA 15 year fixed – Credit Scores 640 to 659

With 1 point  – 3.50%! – APR of 4.730%

With 0 points and a credit towards closing costs of 1 point – 4.0%! – APR of 5.078%



FHA 15 year fixed – Credit Scores 660 to 699

With 1 point  – 3.50%! – APR of 4.730%

With 0 points and a credit towards closing costs of 1 point – 4.0%! – APR of 5.078%



FHA 15 year fixed – Credit Scores 740+

With 0.60 point  – 3.50%! – APR of 4.730%

With 0 points and a credit towards closing costs of 1 point – 4.0%! – APR of 5.078%


FHA 3/1 ARM – 2.0% Margin and 1/1/5 Caps


FHA 3/1 ARM- Credit Scores 620 to 639

Not Available



FHA 3/1 ARM – Credit Scores 640 to 659

With 2.0 points – 3.625%! – APR of 3.761%

With 1  point – 4.125%! – APR of 3.835%

With 0 point – 4.875%! – APR of 4.036%



FHA 3/1 ARM – Credit Scores 660 to 699

With 2.0 points – 3.375%! – APR of 3.680%

With 1  point – 3.875%! – APR of 3.754%

With 0 point – 4.625%! – APR of 3.937%



FHA 3/1 ARM – Credit Scores 740+

With 1.5 points – 3.25%! – APR of 3.597%

With 1  point – 3.625%! – APR of 3.673%

With 0 point – 4.125%! – APR of 3.747%



FHA 5/1 ARM with a 1.75% margin and 1/1/5 Caps


FHA 5/1 ARM (1/1/5 Caps) – Credit Scores 620 to 639

With 2.0 points – 2.25%! – APR of 3.234%

With 1  point – 2.625%! – APR of 3.290%

With 0 point – 2.75%! – APR of 3.253%



FHA 5/1 ARM (1/1/5 Caps) – Credit Scores 640 to 659

With 2.0 points – 2.25%! – APR of 3.234%

With 1  point – 2.625%! – APR of 3.290%

With 0 point – 2.75%! – APR of 3.253%



FHA 5/1 ARM (1/1/5 Caps) – Credit Scores 660 to 679

With 2.0 points – 2.25%! – APR of 3.234%

With 1  point – 2.625%! – APR of 3.290%

With 0 point – 2.75%! – APR of 3.253%



FHA 5/1 ARM (1/1/5 Caps) – Credit Scores 680-700

With 1.6 points – 2.25%! – APR of 3.20%

With 1  point – 2.625%! – APR of 3.290%

With 0 point – 2.75%! + a credit of .688% towards your closing costs – APR of 3.253%


FHA 5/1 ARM (1/1/5 Caps) – Credit Scores 720+

With 1.5 points – 2.25%! – APR of 3.192%

With 1  point – 2.50%! – APR of 3.234%

With 0 point – 2.75%! + a credit of .813% towards your closing costs – APR of 3.253%





FHA 203K Streamline

30 Year Fixed

With 0 point – 5.250%! – APR of 5.882%

With 1 points – 5.00%! – APR of 5.724%


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Compare Today’s FHA Rates with Today’s USDA Rates and Today’s VA Rates

Information provided is solely for use by licensed real estate agents, builders and consumer use but not for distribution. Rates and APR are accurate as of date shown above and subject to change without notice. *APR and rates are based on $200,000 loan amount with 3.5% down and 30 day rate locks.