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Realize the dream
of owning a new home

First-time homebuyers and repeat buyers may not always have a sizable down payment. If that is the case for you, Federal Housing Administration (FHA) loans may offer the perfect solution.

  • Fixed and adjustable rates available
  • Max loan amounts determined by property location
  • Refinancing options available
  • Seller contribution up to 6% allowed

FHA Purchase loans require a minimum of 3.5% down payment. FHA loans are subject to an Upfront Mortgage Insurance Premium (UMIP) of 1.75% of the loan amount. Monthly Mortgage Insurance Premium (MIP) is based on loan-to-value (LTV) and term.

Rates Rates as of:

Fixed Rates

Fixed-rate loan payments don't change for the entire term of the loan. Use the calculator to figure out how much you might pay and to view disclosure and payment example information.

Loan Type Interest Rates From1 Discount Points APR as Low As1
Calculator Apply
Term
15 years
Interest Rate
Rates based on creditworthi­ness, so your rate may differ
Loan Amount
Estimated Monthly Payment
$ Taxes & insurance not included, therefore the actual payment obligation will be greater.
Calculator Apply
Term
30 years
Interest Rate
Rates based on creditworthi­ness, so your rate may differ
Loan Amount
Estimated Monthly Payment
$ Taxes & insurance not included, therefore the actual payment obligation will be greater.

Adjustable Rates

Adjustable rates start with a low, constant rate, then adjust upward or downward after the initial fixed term according to an index. Use the payment example to figure out how much you might pay and to view disclosure and payment example information.

Loan Type Interest Rates From1 Discount Points APR as Low As1 First Cap Subsequent Caps Lifetime Cap
1% 1% 5% Payment Example Apply
1 Year FHA ARM
Payment Example
Loan Amount: $250,000
Term: 30 years
YearInterest Rate*APRMonthly Payment (P&I)
Taxes & insurance not included; actual payment obligation will
be greater.
1 % $
2 % $
1% 1% 5% Payment Example Apply
3 Year FHA ARM
Payment Example
Loan Amount: $250,000
Term: 30 years
YearInterest Rate*APRMonthly Payment (P&I)
Taxes & insurance not included; actual payment obligation will
be greater.
1 % $
4 % $