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Compare Today’s FHA Mortgage Rates | Tuesday, November 25, 2025

Rates are current as of November 25, 2025 3:06 AM EST

National average mortgage rates:
30-Year FHA Fixed

APR 6.86%

0.00% 1w
30-Year Fixed

APR 6.09%

-0.05% 1w
15-Year Fixed

APR 5.56%

-0.03% 1w
19 ResultsShowing rates for: Purchase, Good (720-739), $500,000, 30-year fixed, Single-family, Primary residence, FHA loans
License information
19 Results for: Purchase, Good (720-739), $500,000, 30-year fixed, Single-family, Primary residence, FHA loans.
Central Bank

NMLS#407985

APR

5.79%

APR

5.79%

Interest rate

5.25%

Est. mo. payment

$2,414/mo

Total fees

$8,514

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The Nerdy headline

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

What we like
  • 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.
What we don't like
  • 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.
Simplist

NMLS#1764611

APR

5.80%

APR

5.80%

Interest rate

5.25%

Est. mo. payment

$2,414/mo

Total fees

$9,126

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The Nerdy headline

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

What we like
  • Loan origination process can be completed online.
  • Offers government-backed FHA and VA loans.
  • Offers module that compares mortgage rates among other lenders.
What we don't like
  • Offers loans in many states and Washington, D.C., but not nationwide.
  • Does not offer home equity loans or lines of credit.
Tomo

NMLS#2059741

APR

5.85%

APR

5.85%

Interest rate

5.13%

Est. mo. payment

$2,383/mo

Total fees

$16,388

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The Nerdy headline

Online lender Tomo Mortgage uses tech to streamline the process. Its interactive rates tool and no origination fee promise are pluses, but loans aren’t available in every state.

NerdWallet rating

4.0

What we like
  • Special program offers a pricing break for first first-time home buyers.
  • Offers financing options for self-employed borrowers and those without Social Security numbers.
  • Interactive mortgage rates tool takes credit score and location into account.
What we don't like
  • Purchase loans are not available in all states.
  • Doesn’t offer home equity loans or lines of credit.
  • No refinancing options are available.
Tomo

NMLS#2059741

APR

5.93%

APR

5.93%

Interest rate

5.75%

Est. mo. payment

$2,335/mo

Total fees

$7,948

GET MY RATE
Hide details

The Nerdy headline

Online lender Tomo Mortgage uses tech to streamline the process. Its interactive rates tool and no origination fee promise are pluses, but loans aren’t available in every state.

NerdWallet rating

4.0

What we like
  • Special program offers a pricing break for first first-time home buyers.
  • Offers financing options for self-employed borrowers and those without Social Security numbers.
  • Interactive mortgage rates tool takes credit score and location into account.
What we don't like
  • Purchase loans are not available in all states.
  • Doesn’t offer home equity loans or lines of credit.
  • No refinancing options are available.
Simplist

NMLS#1764611

APR

5.96%

APR

5.96%

Interest rate

5.88%

Est. mo. payment

$2,367/mo

Total fees

$3,864

GET MY RATE
Hide details

The Nerdy headline

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

What we like
  • Loan origination process can be completed online.
  • Offers government-backed FHA and VA loans.
  • Offers module that compares mortgage rates among other lenders.
What we don't like
  • Offers loans in many states and Washington, D.C., but not nationwide.
  • Does not offer home equity loans or lines of credit.
New American Funding

NMLS#6606

APR

6.04%

APR

6.04%

Interest rate

5.49%

Est. mo. payment

$2,475/mo

Total fees

$8,629

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The Nerdy headline

New American Funding offers a large menu of loan products, including FHA 203(k) loans, as well as programs like first-time home buyer assistance.

FHA loans

NerdWallet rating

4.5

What we like
  • Offers a wide variety of purchase and refinance mortgages.
  • Has unique buyer assistance programs.
What we don't like
  • Average origination fees are on the high side, according to the latest federal data.
  • Personalized mortgage rates are not available on the website without providing contact information.
Next Door Lending LLC

NMLS#1880338

APR

6.05%

APR

6.05%

Interest rate

5.49%

Est. mo. payment

$2,475/mo

Total fees

$9,421

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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.

What we like
  • 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.
What we don't like
  • Does not publish interest rates online.
  • No mortgage mobile app.
  • Loans are not available in every state.
NBKC

NMLS#409631

APR

6.14%

APR

6.14%

Interest rate

5.63%

Est. mo. payment

$2,509/mo

Total fees

$7,602

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Hide details

The Nerdy headline

Community bank NBKC has a user-friendly website and low average rates.

FHA loans

NerdWallet rating

4.5

What we like
  • Mortgage rates are on the low side compared to other lenders, according to the latest federal data.
  • Offers a strong variety of loan types for purchase and refinance, including fixed- and adjustable-rate loans.
What we don't like
  • Mobile app focuses on online banking, not mortgages.
  • You’ll need to share contact information to see customized mortgage rates.

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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.

Today's FHA mortgage rates | Tuesday, November 25, 2025

Last updated 3:06 AM EST
On Tuesday morning, November 25, 2025, the average interest rate on a 30-year fixed-rate FHA mortgage held steady at 6.86% APR, compared to yesterday.
The 30-year fixed-rate FHA loan rate is the same as one week ago and 43 basis points higher than one year ago.
A basis point is one hundredth of a percent, or 0.01%. We describe mortgage rates’ ups and downs in basis points because they simplify comparisons.
NerdWallet’s rates are expressed as an annual percentage rate, or APR, and our mortgage rates data comes from Zillow.

What is an FHA loan?

An FHA loan is a mortgage insured by the Federal Housing Administration. FHA-insured mortgages are available with a 3.5% down payment for borrowers with credit scores of 580 or higher. (You can use gift money toward the down payment, too.)
FHA loans are well-suited for home buyers who have little saved for a down payment, credit challenges or both. FHA loans are popular among first-time home buyers, but you don’t need to be a first-time home buyer to be eligible for an FHA loan.
» MORE: What to know about FHA loans
FHA loans can be used for purchases and refinances for a variety of home types, including single-family houses, two- to four-unit multifamily buildings, condominiums and manufactured homes that are attached to a permanent foundation. Both fixed-rate and adjustable-rate mortgages are available.
» MORE: Compare FHA loans and conventional mortgages

How to find FHA interest rates today

NerdWallet’s mortgage rate tool can help you find a competitive FHA loan interest rate today that is tailored to meet your needs. At the top of this page, select or tap "More" to see the relevant filter, and choose "I'm eligible" under "FHA Loan Eligibility." After updating, you can see an interest rate quote without providing personal information.

What is a good interest rate on an FHA loan?

You can save money by comparison shopping because each lender offers its own combination of interest rate and fees.
Once you’re approved, each lender will provide you with a Loan Estimate form. This will let you compare interest rates, origination fees and closing costs. Comparing Loan Estimates from more than one lender will give you confidence that you’re getting the right loan for your situation.
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Nerdy Tip

Want a lower mortgage rate? See if your credit needs work. Typically, the lowest rates go to borrowers with the highest credit scores. Paying down debt could make you a more favorable borrower and qualify for a lower rate, too.
» MORE: What’s the credit score you need to buy a house?

FHA loan pros and cons

Pros
  • Down payment requirement as low as 3.5%
  • Allows gift money for down payments
  • Accepts history of weak or damaged credit
  • Options to finance affordable homes, like manufactured homes or fixer-uppers
Cons
  • Mortgage insurance required for 11 years or the life of the loan (depending on down payment size)
  • Requires an FHA appraisal, which is more rigorous than a conventional appraisal

Learn more about FHA loans:

This article has been updated to reflect the most recent fact-checking as of June 26, 2025.

Latest mortgage news and analysis