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FHA Home Loan


FHA Mortgage Rates

Due to the federal government guaranteeing FHA home loans, lenders are often able to secure interest rates that are often lower through a FHA Home Loan than they are with a conventional mortgage.

To speak with a FHA Home Loan Specialist about interest rates, call (888) 301-3465 or you can get started online.

How is My Rate Determined?

The interest rate of your FHA Home loan is determined by a number of factors:

  • Credit Score
  • Loan Term (15 year, 30 year)
  • The current market conditions

Find your rate: Start your FHA Home Loan quote online

Even if you have less than perfect credit you may still qualify for a lower interest rate because of the guarantee that the FHA offers to lenders. Fairway is passionate about helping our clients achieve the dream of homeownership, because of this we offer FHA Loans to those with credit scores lower than most industry standards. There is always risk involved with issuing a loan, a good credit score can help ensure a lower interest rate.

How Do I Lock In My Interest Rate?

Your interest rate cannot be locked in until you have decided which home you wish to purchase and have entered into a contract for purchase the home. If you are purchasing a new construction home there are some extended lock options for that. Your Fairway Loan Officer will then help you figure out what your interest rate will look like, and help guide you to lock your rate at the most optimal time based on your contract closing date.

If you would like to get started on your Pre-Approval now, or if you have more questions, please give one of our FHA Home Loan Specialists a call at (888) 301-3465 or start your FHA Home Loan quote online. There is never any obligation, and you will be one step closer to owning your new home.

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