Compare Today’s FHA Mortgage Rates | Monday, March 2, 2026
Rates are current as of March 2, 2026 1:34 PM EST
APR 6.86%
0.00% 1wAPR 5.80%
-0.01% 1wAPR 5.37%
-0.03% 1w
NMLS#1880338
APR
5.65%
APR
5.65%
Interest rate
5.13%
Est. mo. payment
$2,383/mo
Total fees
$8,269
Next Door Lending is a wholly-owned subsidiary of NerdWallet
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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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Tomo, established in 2020, is an online-only lender with a focus on digital efficiency and purchase loans. We’re impressed with its customizable mortgage rate tool. Average rates are on the low side, too. However, you won’t find home equity products. Mortgages are available in 34 states and counting.
Home loans overall
NerdWallet rating5.0
- Online rate tool is user-friendly and customizable.
- Average interest rates are on the low side, according to the latest federal data.
- Accepts borrowers with credit scores below 600.
- Mortgages not available in all states.
- No renovation or home equity loans.
- No mobile app.
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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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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.
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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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The Nerdy headline
Tomo, established in 2020, is an online-only lender with a focus on digital efficiency and purchase loans. We’re impressed with its customizable mortgage rate tool. Average rates are on the low side, too. However, you won’t find home equity products. Mortgages are available in 34 states and counting.
Home loans overall
NerdWallet rating5.0
- Online rate tool is user-friendly and customizable.
- Average interest rates are on the low side, according to the latest federal data.
- Accepts borrowers with credit scores below 600.
- Mortgages not available in all states.
- No renovation or home equity loans.
- No mobile app.
NMLS#1880338
APR
5.95%
APR
5.95%
Interest rate
5.88%
Est. mo. payment
$2,367/mo
Total fees
$3,200
Next Door Lending is a wholly-owned subsidiary of NerdWallet
Show details
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.
Show details
The Nerdy headline
NBKC stands out for its attractive FHA interest rates and fees, and is primarily an online lender — though its app does not have mortgage features.
FHA loans
NerdWallet rating4.5
- Big FHA lender, by loan volume.
- Low average FHA origination fees compared to other lenders.
- Big FHA lender, by loan volume.
- FHA loans represent a small share of total home lending for NBKC.
- Customer service is only accessible over the phone for many mortgage customers.
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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 | 5.79% | 5.80% |
| 30-year Fixed FHA | 6.12% | 6.86% |
| 30-year Fixed VA | 5.40% | 5.73% |
| 20-year Fixed | 5.69% | 5.70% |
| 15-year Fixed | 5.35% | 5.37% |
| 10-year Fixed | 5.30% | 5.33% |
| 3-year ARM | 8.19% | 7.46% |
| 5-year ARM | 5.86% | 6.29% |
| 7-year ARM | 5.67% | 6.10% |
| 10-year ARM | 5.79% | 5.80% |
Accurate as of 03/02/2026.
Data source: ©Zillow, Inc. 2025. Use is subject to the Terms of Use
Today's FHA mortgage rates | Monday, March 2, 2026
FHA Mortgage Rates and Requirements: How FHA Loans Work
Compare FHA mortgage interest rates offered by lenders in your area. FHA loans are well-suited for first-time home buyers and borrowers with credit challenges.
Abby Badach Doyle
Robin Rothstein
Chris Jennings
How to find FHA mortgage rates
What is an FHA loan?
When should you consider an FHA loan?
- Your credit score is 'good' or 'fair' rather than 'excellent'
- You've had financial difficulties in the past
- You have limited funds for a down payment
- You have nontraditional or insufficient credit history
What are conditions for an FHA streamline refinance?
- Your existing mortgage must be an FHA loan.
- You can't be delinquent on your current FHA loan.
- You can't take out more than $500 in cash from the refinance.
- At least six months have passed since the first payment due date on your current mortgage.
- 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.
Learn more about FHA loans:
More mortgage tools and resources
Latest mortgage news and analysis
View rates by loan type or state
Get even more specific with rates personalized to your situation