What are todays FHA loan rates?

As of March 2026, FHA 30-year fixed rates start at 5.750% and FHA 15-year fixed rates start at 5.500%.

Are FHA rates lower than conventional?

Yes. FHA rates are typically 0.25-0.50% lower than conventional rates due to the FHA guaranty reducing lender risk.

FHA Mortgage Rates Today — April 2026

QUICK ANSWER — Current FHA rates April 2026: 30-year fixed 5.750% (APR 6.014%), 15-year fixed 5.250% (APR 5.581%), FHA Streamline 5.500%. Valley West Mortgage updates rates daily from 50+ wholesale lenders. Zero application and processing fees. NMLS #65506.

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TODAY'S RATES

FHA Rates Right Now

FHA 30-Yr

5.750%

APR 6.014%

FHA 15-Yr

5.250%

APR 5.581%

Streamline

5.500%

APR 5.782%

Get Your FHA Rate →

Rates as of April 8, 2026. 3.5% down, 740 FICO, $400K loan. Your rate may vary.

FAQ

Questions? Answered.

As of April 2026, FHA 30-year fixed rates start at 5.750% (APR 6.014%). FHA 15-year rates start at 5.250%. FHA Streamline refinance rates start at 5.500%. Valley West updates rates daily from 50+ lenders.

Generally yes. FHA rates are typically 0.125-0.250% lower than conventional because FHA loans carry government insurance. However, FHA adds mortgage insurance that can offset the rate advantage.

FHA rates change daily based on mortgage-backed securities markets. Rates can fluctuate multiple times per day. Valley West locks rates quickly to protect borrowers from increases.

Yes. Valley West offers rate locks of 15, 30, 45, or 60 days. A rate lock guarantees your interest rate will not increase during the lock period, even if market rates rise.

Credit score, loan amount, down payment, property type, and loan term all affect your rate. Higher credit scores and larger down payments get lower rates. Valley West shops 50+ lenders to find your lowest available rate.