Compare Today’s FHA Refinance Rates | Friday, December 5, 2025
Rates are current as of December 5, 2025 2:25 PM EST
APR 6.86%
0.00% 1wAPR 6.13%
0.09% 1wAPR 5.57%
0.04% 1w
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The Nerdy headline
Tomo’s online rates comparison tool is among the best we’ve seen for shopping rates — and both their rates and fees are competitive. While they don’t offer refinance or home equity options, the solid lineup of purchase loans could be a good fit for a wide range of home buyers, including those with credit challenges.
NerdWallet rating
5.0
- Comprehensive online rates comparison tool makes it easy to customize sample rates.
- Mortgage rates are on the low side, according to the latest federal data.
- Offers financing options for borrowers with lower credit and those without Social Security numbers.
- No refinance or home equity options.
- Loans not available in all states.
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Midwest-rooted Central Bank offers an online application, which you can track via mobile app. But you’ll have to contact the bank for mortgage rates.
Home loans overall
NerdWallet rating
4.0
- Among the best when it comes to online convenience.
- Offers a full selection of mortgage types and products, including jumbo, home equity, and government loans.
- Claims to offer preapproval within 24 hours of loan application.
- You'll have to complete a loan application to see mortgage interest rates.
- Bank branch locations limited to the Midwest.
- Does not offer home equity lines of credit.
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The Nerdy headline
Northpointe is a major FHA lender, by loan volume. In addition to government-backed loans, Northpointe Bank’s mortgage portfolio includes loans for borrowers with credit challenges.
FHA loans
NerdWallet rating4.5
- Big FHA lender, by loan volume.
- Offers loans and programs aimed at making homeownership more accessible.
- FHA loans represent a somewhat small share of total home lending for Northpointe.
- Bank’s mobile app isn’t useful for mortgage borrowers.
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The Nerdy headline
Tomo’s online rates comparison tool is among the best we’ve seen for shopping rates — and both their rates and fees are competitive. While they don’t offer refinance or home equity options, the solid lineup of purchase loans could be a good fit for a wide range of home buyers, including those with credit challenges.
NerdWallet rating
5.0
- Comprehensive online rates comparison tool makes it easy to customize sample rates.
- Mortgage rates are on the low side, according to the latest federal data.
- Offers financing options for borrowers with lower credit and those without Social Security numbers.
- No refinance or home equity options.
- Loans not available in all states.
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The Nerdy headline
Better stands out for its attractive FHA interest rates and wide range of mortgage types, including for condos and manufactured homes.
FHA loans
NerdWallet rating4.5
- Offers low FHA mortgage rates compared with other lenders.
- Sample online rates are customizable by location.
- FHA loans represent a small share of total home lending for Better.
- We struggled to contact customer service.
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The Nerdy headline
New American Funding is a major FHA lender, with a focus on this loan type, but its average FHA rates and fees are less competitive than some lenders.
FHA loans
NerdWallet rating4.0
- FHA loans make up a large share of New American's total home loans.
- Major FHA lender, by loan volume.
- Offers a strong variety of FHA loan types for purchase and refinance.
- FHA mortgage rates are on the high side.
- Average FHA origination fees are on the high side.
- Personalized mortgage rates are not available on the website without providing contact information.
NMLS#1880338
APR
6.05%
APR
6.05%
Interest rate
5.49%
Est. mo. payment
$2,475/mo
Total fees
$9,421
Next Door Lending is a wholly-owned subsidiary of NerdWallet
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The Nerdy headline
Next Door Lending, a mortgage broker, offers expert assistance shopping for and closing a loan, as well as specialty loans at competitive rates. Mortgages are not available in every state.
- Offers a variety of loan types, including first-time buyer programs and loans for self-employed borrowers.
- Real-time rate quotes available while working with a broker.
- Responsive customer service.
- Competitive pricing often available, especially for non-traditional borrowers.
- Does not publish interest rates online.
- No mortgage mobile app.
- Loans are not available in every state.
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Simplist is an online marketplace of mortgage lenders; human guidance is optional. You’ll make payments to a loan servicer, not to Simplist. Loans are not available in every state.
Home loans overall
NerdWallet rating
4.5
- Loan origination process can be completed online.
- Offers government-backed FHA and VA loans.
- Offers module that compares mortgage rates among other lenders.
- Offers loans in many states and Washington, D.C., but not nationwide.
- Does not offer home equity loans or lines of credit.
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About these rates: The lenders whose rates appear on this table are NerdWallet's advertising partners. NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a lender's site. The terms advertised here are not offers and do not bind any lender. The rates shown here are retrieved via the Mortech rate engine and are subject to change. These rates do not include taxes, fees, and insurance. Your actual rate and loan terms will be determined by the partner's assessment of your creditworthiness and other factors. Any potential savings figures are estimates based on the information provided by you and our advertising partners.
Explore historical FHA rate trends
See how rates have changed over time to understand past patterns and economic fluctuations
Historical timeline
Loan purpose
Loan type
National average 6.86%
Today's average mortgage rates
| Product | Interest rate | APR |
|---|---|---|
| 30-year Fixed | 6.13% | 6.14% |
| 30-year Fixed FHA | 6.12% | 6.86% |
| 30-year Fixed VA | 5.52% | 5.64% |
| 20-year Fixed | 6.16% | 6.16% |
| 15-year Fixed | 5.56% | 5.58% |
| 10-year Fixed | 5.25% | 5.25% |
| 3-year ARM | 8.19% | 7.46% |
| 5-year ARM | 6.54% | 6.78% |
| 7-year ARM | 6.36% | 6.60% |
| 10-year ARM | 6.13% | 6.14% |
Accurate as of 12/05/2025.
Data source: ©Zillow, Inc. 2025. Use is subject to the Terms of Use
Today's FHA mortgage rates | Friday, December 5, 2025
FHA Refinance Rates
What is an FHA loan?
What are conditions for an FHA streamline refinance?
- You can't be delinquent on your current FHA loan. “We have [other] tools for borrowers who can't afford their payments,” Stevens says.
- You can't take out more than $500 in cash from the refinance.
- It must be at least six months since your current mortgage was issued.
- You can't increase your loan amount to cover closing costs.
- There needs to be a “benefit to the buyer”. That means the FHA is looking for you to reduce your term or lower your mortgage interest rate — or both.
When should you consider an FHA loan?
Learn more about FHA loans:
More mortgage tools and resources
Latest mortgage news and analysis
View rates by loan type or state
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