Federal Housing Administration Loan

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For many people, a Federal Housing Administration (FHA) Loan is the program that makes home ownership possible. Thanks to FHA insurance, it requires a much smaller downpayment than do conventional loans, with competitive rates that translate to more affordable monthly payments.

Lower Downpayment

FHA loans require a smaller downpayment, helping put home ownership within reach

Competitive Rates

Enjoy competitive interest rates, which make monthly payments more affordable

Government-Backed Mortgage

Great option for first-time homebuyers and experienced homeowners with limited cash for a down payment or lower FICO scores than needed for conventional financing.

FHA Mortgage Rates

Program

Rate

APR*

*APR = Annual Percentage Rate. Rates are subject to change without notice. Rates last updated on 11/30/2023 at 4:45pm (EST). Mortgage rates are based upon a variety of assumptions and conditions. The credit score used in this estimate may be higher or lower than your personal credit score. A loan’s interest rate will depend upon specific characteristics of the loan and the credit history through the time of closing.

Program

FHA 30 Year (FHA)

Rate

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APR*

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Calculators to help you choose the right mortgage for you

What others are saying

Allegacy team was so FANTASTIC and helped in so many ways.

Janet
— Greensboro, NC

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