View current FHA rate trends and start your application when you’re ready.
Explore daily market indices from Optimal Blue OBMMI™. Data reflects actual locked rates and updates daily.
Rates data via Optimal Blue OBMMI™, updated daily.
Rates data via Optimal Blue OBMMI™. Represents a large portion of U.S. mortgage lock activity and updates daily. Displayed values are for informational purposes only and do not constitute a loan offer. Actual rates depend on credit profile, LTV, loan amount, and market conditions.
Last updated: November 5, 2025
How often do FHA rates change?
Rates can move daily with market conditions. Check your personalized rate and consider locking when comfortable.
What impacts my FHA rate?
Credit score, down payment, loan amount, and market factors influence pricing.
Do FHA loans have MIP?
Yes. Upfront and monthly Mortgage Insurance Premium (MIP) typically applies.