No number we publish here would stay true for long, but FHA rates are often lower than people expect, and who you get the quote from matters as much as when. For a current market read, check the Mortgage News Daily rate table, right here on our site. Your actual FHA rate then depends on your credit score, loan size, and the day you lock. The structural piece worth knowing: many banks and direct lenders mark up their government loans (FHA and VA) to help subsidize their conventional pricing. That markup is baked into the rate sheet, so two lenders can quote very different FHA rates to the same borrower on the same day. Broker-model shops, which shop many investors instead of selling one product, are frequently able to offer noticeably better FHA and VA pricing for exactly that reason. So the practical answer: shop it, and specifically compare a broker against any bank or direct lender, tied to your own numbers. If you want your real FHA rate instead of a headline, that's what the free Roadmap conversation (about 20 minutes) is built for. We price your actual scenario and you see the rate that's yours.