We cannot print a live rate here, because rates move daily and any number would be stale by the time you read it. For where the market sits today, check the Mortgage News Daily rate table, right here on our site at /mnd-rates. What we can give you is the durable mechanism, and that is what actually helps. On FHA, your credit score sets a pricing tier. A score in the 600 to 620 range does qualify, but it pays a premium over a strong FHA borrower (mid-600s to low 700s and up). As an illustration only, that premium often runs around a half point higher in rate. Small on paper, real money over the life of the loan. Two pieces of practical advice: - Do not pay heavy discount points at a low score. We lean against buying the rate down in general, and especially here. Take the zero-point rate, get into the home if the payment works, and keep improving your credit. If a refinance opportunity shows up later, treat it as a bonus, never the plan. - Run a what-if credit analysis before you lock anything. The single highest-leverage target is crossing 640, which typically unlocks pricing close to the best tier, and the fixes to get there (paying down a card, correcting an error) are often faster and cheaper than people assume. That analysis is part of the free Roadmap conversation (about 20 minutes), where we run your real numbers.