Buy a Home

3.753% APR*
2.992% APR*
3.562% APR*

FHA Loans

FHA Loans are easier to qualify for, even if you have a low credit score

Opening the door to flexibility with an FHA Mortgage.

Insured by the Federal Housing Administration (FHA), FHA home loans are government-assisted alternatives to conventional financing, and were originally offered by FHA lenders to first-time home buyers with imperfect credit. Now, FHA loans are open to a wider audience, and are even popular options for homeowners looking to refinance.

Overall, FHA mortgage loans provide more flexibility in credit, income, and equity/down payment requirements, and are great alternatives to conventional loans. They do include a Mortgage Insurance Premium (MIP), as well as monthly mortgage insurance, but a fixed rate FHA loan enables many homeowners who wouldn’t qualify for conventional financing to purchase or refinance a home.

Today’s FHA Rates

FHA 30Yr Fxd 3.5%  3.753% APR*
FHA 15Yr Fxd 2.75%  2.992% APR*
See more rates

Why get an FHA loan?

  • Put just 3.5% down
  • Easier to qualify for
  • Fixed-rate and adjustable rate loans are available
  • Refinance a conventional loan into an FHA loan

What our customers are saying

My experience with Loan Depot was fantastic... Right off the bat Rob worked with me to get the best rate, was very responsive and great to work with. Kim was amazing, helping me through the maze of paperwork and coaching me through the process and was always professional and friendly to work and talk with... Thanks again Rob and Kim! Next time I refi or am looking for a loan - Loan Depot will my first choice!

Jerry E. gave loanDepot

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Why talk to a loanDepot licensed mortgage banker?

Talking to a licensed mortgage banker is an important step to getting the right mortgage loan. Everybody has different loan needs and a mortgage banker knows which questions to ask in order to best match you with the right loan and monthly payment. Since we have a strict No Steering policy, you can be assured that the loan option suggested to you will fit your needs.

The mortgage banker will also explain all the steps–from getting started, to locking in your low rate, to closing your loan in approximately 30 days. Because we are a direct lender, if you have any questions during the loan process, you will have one direct number enabling you to get quick answers straight from the source.

Call Us for a Quote

Talk to a licensed mortgage banker who can answer all your questions, quote rates and find your best loan.

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Rate Assumptions

* Rate displayed are subject to change and assumes that you are buying or refinancing an owner-occupied single family home, all borrowers have credit scores of 740 or higher, debt-to-income ratios of 35% or lower, asset and reserve requirements are met, and your property has a loan-to-value of 80% or less. The Annual Percentage Rate (APR) is based on a loan amount of $200,000 and may include up to 3 points. (Points include any origination, discount and lender fees.) On adjustable-rate loans, interest rates are subject to potential increases over the life of the loan, once the initial fixed-rate period expires.Please contact one of our Mortgage Bankers at 1-888-337-6888 for a customized rate and payment quote.

**Refinancing within the 60 month period is conditional on whether the program type or applicable state/federal laws contain “seasoning” restrictions that would make refinancing during a specific period illegal. For example, waiting until after the 12th month, but before the 60th month may be required. Your loan approval for the future refinance is not guaranteed. You must fully qualify for the selected refinance and meet all the requirements of the loan program you select at the time you apply for the refinance. The appraised value of your home for the future refinance is not guaranteed. There must be a full appraisal of your home when the new refinance is requested and the value at that time must be acceptable for the program and loan terms you request. The interest rate for the future refinance is not guaranteed. You will have to qualify for the loan requested, and will be quoted the interest rates in effect at the time of your next refinance.

loanDepot is a direct mortgage lender offering access to current mortgage rates on residential home loans with a selection of mortgage programs including: refinance mortgages, adjustable and fixed rate mortgages, HARP loans, Jumbo, VA and FHA loans. Licensed in all 50 states, loanDepot is an approved seller/servicer to Fannie Mae, Freddie Mac and Ginnie Mae, providing online mortgage loans for refinancing and home purchase. We are committed to delivering accurate lending information, competitive mortgage interest rates, easy loan processing and best in class home loan financing.

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