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Rates for Primary Home Purchase

FHA 30-Year Fixed

Rates for Primary Home Purchase

Interest Rate




Loan Amount


Down Payment



30 Years

Monthly Principal & Interest Payment
Excludes taxes and hazard insurance


Estimated Closing Costs
Includes cost of required discount points


Rates, terms, and fees as of January 25, 2022 11:33 am and subject to change without notice.

Rates and terms subject to change based on market conditions and borrower eligibility. The rates shown are based upon a variety of conditions and circumstances. These include a consumer credit score which may vary from your individual credit score. A loan’s interest rate depends upon the specific features of the loan transaction and the borrower’s credit profile up to the time of closing. The advertised rates for 30-year fixed FHA products are based on an assumed base loan amount of $289,500.00, $300,000.00 purchase transaction of primary residence, a 740 FICO score with a loan-to-value ratio of 96.5% maximum (3.5% Down-Payment) on a primary single family home. The annual percentage rate (APR), is the expense paid for credit over the loan term expressed as an annual rate. The Annual Percentage Rate (APR) displayed for the loan products shown here reflects interest rate and approximate cost of prepaid finance charges / discount points based on rate scenarios shown. The cost of prepaid finance charges are approximations which do not constitute and are not a substitute for the Loan Estimate of Closing Costs (LE) that a borrower receives once they apply for a loan. Mortgage insurance has been included the monthly payment and Annual Percentage Rate (APR) of the loan. For more information regarding our various loan products including no points or closing cost options, please contact us at (407) 704-8729
Please remember that we don’t have all your information. Therefore, the rate and payment result you see may not reflect your actual situation. Florida Home Funding offers a wide variety of loan options. You may still qualify for a loan even if your situation doesn’t match our assumptions. To get more accurate and personalized results, please call (407) 704-8729 to talk to a licensed loan originator.
Due to various federal, state and local requirements, certain products may not be available in all areas.
The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment.
All FHA loan have PMI for the life of the mortgage which is reflected in the APR. 30-day lock period.  0.345 discount point included.  All loans are subject to borrower meeting FHA approval guidelines.
These mortgage rates are based upon a variety of assumptions and conditions which include a consumer credit score which may be higher or lower than your individual credit score. Your loan’s interest rate will depend upon the specific characteristics of your loan transaction and your credit profile up to the time of closing. For more information, please contact us.

Conventional & VA Loans

Rates for Primary Home Purchase

3.375% (3.447% APR)
2.875% (3.136% APR)
3.375% (3.447% APR)
2.875% (3.136% APR)

Rates, terms, and fees as of January 25, 2022 11:33 am and subject to change without notice. Select a product to view important disclosures, payments, assumptions, and APR information. Please note we offer additional home loan options not displayed here. Rates for Primary Home Purchase.

FHA Mortgage Rates

If you’re considering a 30-year fixed-rate FHA mortgage, the most common type of mortgage for first-time home buyers, my rates are unbeatable. Whether you’re just starting to shop for a home loan or you’re ready to get pre-approved, I’ll give you all your FHA mortgage options, including no closing cost options. Get a free, no obligation rate quote today— no personal information required.

Top FHA Mortgage Questions

What are the credit score requirements for FHA mortgages?

Preferably, you’ll want to have a minimum credit score of 620. However, depending on your overall credit history, the minimum credit score can sometimes go as low as 580.

What is the maximum debt-to-income ratio for FHA mortgages?

Your debt-to-income (DTI) ratio is the percentage of your income which goes to paying current debts. For a FHA mortgage the maximum qualifying DTI is typically 45%. That said, depending on your credit score and cash reserves, some borrowers can still qualify with a DTI as high as 50%.

What is the minimum downpayment for FHA mortgages?

FHA mortgages require a minimum downpayment of 3.5%. These funds can come from your checking, savings, 401(k) or can be gifted by immediate family members.

What if I have some derogatory events on my credit report?

Most everyone has a had a few dings on their credit at some point. To qualify for a 30-year fixed-rate FHA loan, you must meet the following requirements:

  • No bankruptcies in the last 2 years
  • No short sales in the last 3 years
  • No foreclosures in the last 3 years

Mortgage Rate Straight Talk

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