FHA Refinance Rates 2024: Could You Save?

<!DOCTYPE html> <html lang="en-US"> <head> <title>FHA Refinance Rates 2024: Could You Save?</title> <meta charset="UTF-8"> <meta name="viewport" content="width=device-width, initial-scale=1" > <meta name="title" content="FHA Refinance Rates: See if You Could Lower Your Rate" > <meta name="datePublished" content="2024-10-30T20:46:49Z" > <meta name="dateModified" content="2024-10-30T20:46:49Z" > <meta name="news_keywords" content="Personal Finance, Loans, Mortgages" > <meta name="description" content="Discover today's FHA refinance rates, learn about different FHA refinance options, and find out if refinancing your mortgage could be a smart move." > <meta property="author" content="Molly Grace, Elias Shaya" > <meta property="article:publisher" content="businessinsider" > <meta name="tbi-vertical" content="Personal Finance" > <meta property="og:title" content="FHA Refinance Rates: See if You Could Lower Your Rate" > <meta property="og:description" content="Discover today's FHA refinance 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Recently, FHA refinance interest rates have been in the mid-5% range, according to Zillow data.</p>"},{"question":"Is an FHA refinance worth it?","answer":"<p class=\"faq-answer\">Experts typically say that a <a href=\"https://www.businessinsider.com/personal-finance/mortgages/when-to-refinance-mortgage\" data-analytics-product-module=\"body_link\" rel=\"\">refinance is worth it</a> if you can lower your rate by at least one percentage point. You should also consider how long it will take you to break even from your refinance.</p>"},{"question":"Do I qualify for an FHA refinance?","answer":"<p class=\"faq-answer\">You'll typically need a score of at least 580 to get an FHA refinance, though some lenders may require a higher score. 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"%3Cscript%20src%3D%22https%3A%2F%2Fwww.googletagmanager.com%2Fgtm.js%3Fid%3DGTM-MP6F46L%22%20data-consent%3D%22ANALYTICS%22%20data-track-load%3D%22gtm%22%3E%3C%2Fscript%3E" });</script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"Article","mainEntityOfPage":{"@type":"WebPage","@id":"https://www.businessinsider.com/personal-finance/mortgages/fha-refinance-rates"},"editor":{"@type":"Person","name":"Sarah Silbert"},"author":[{"@type":"Person","name":"Molly Grace","sameAs":"https://www.businessinsider.com/author/molly-grace"},{"@type":"Person","name":"Elias Shaya","sameAs":"https://www.businessinsider.com/author/elias-shaya"}],"publisher":{"@context":"http://schema.org","@type":"Organization","name":"Business Insider","legalName":"Insider Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"FHA Refinance Rates 2024: Could You Save?","alternativeHeadline":"FHA Refinance Rates: See if You Could Lower Your Rate","image":{"@type":"ImageObject","url":"https://i.insider.com/63e548f396242f0019e8304a?width=1200&format=jpeg","width":1200,"height":900,"caption":"You can ensure you get a good FHA refinance rate by shopping around with multiple lenders."},"name":"FHA Refinance Rates: See if You Could Lower Your Rate","datePublished":"2024-10-30T20:46:49Z","dateModified":"2024-10-30T20:46:49Z","description":"Discover today's FHA refinance rates, learn about different FHA refinance options, and find out if refinancing your mortgage could be a smart move.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate mortgages to write unbiased product reviews.Check out the latest FHA refinance rates to see if you could save some money by refinancing your FHA mortgage.FHA mortgages offer some of the lowest mortgage rates on the market, and FHA refinance rates may be even lower. One of the benefits of getting a government-backed loan like an FHA mortgage is that many borrowers pay less for these loans even when compared to conventional loans with shorter terms, like a 15-year mortgage refinance.In September, FHA refinance rates averaged around 5.49%, according to Zillow data. This flat from where they were the month before. Rates are trending similarly this month.You can get a significant discount by getting an FHA refinance over a conventional refinance. FHA refinance rates were substantially lower than conventional 30-year refinance rates last month. See how today's FHA refinance rates compare to other types of refinance loans.The three main types of FHA refinance loans include:Typically, it only makes sense to refinance if it can help you:Another common reason borrowers refinance is to get rid of mortgage insurance, but you won't want to refinance into an FHA loan for this, since these mortgages typically require annual mortgage insurance for the life of the loan. If you have an FHA loan and sufficient equity, you'll want to refinance into a conventional loan to get rid of mortgage insurance.So when might you consider an FHA refinance over other loan types? It might be a good option if your credit or finances disqualify you from getting a conventional mortgage.\"If you are using FHA for your loan, it's generally because you have to based upon lower credit scores, higher debt-to-income ratios, or significant credit events in your recent past, such as a bankruptcy, foreclosure, or short sale,\" says Mason Whitehead, a Dallas-based branch manager for Churchill Mortgage. \"FHA allows you to qualify much faster with those issues than a conventional loan does.\"FHA streamline refinances in particular can be beneficial because the process is simpler and may be a little cheaper, since you won't have to pay for an appraisal. Plus, if you're eligible for a non-credit qualifying streamline, you won't have to worry about your credit preventing you from refinancing.No matter what type of refinance you're getting, one of the best things you can do to ensure you get a good rate is shop around with more than one lender. Typically, experts recommend getting preapproved with at least three lenders to see which can offer you a low rate.As you get quotes from different lenders, remember that your rate isn't the only cost you should think about. Every company charges different lender fees, and these costs can make a big different in how much you'll pay at closing. Some lenders that charge low rates make up for it by charging higher fees.Don't forget that all FHA loans come with certain FHA-specific costs as well.You'll need to pay the upfront mortgage insurance premium, which is equal to 1.75% of the loan amount. This premium can be financed into the mortgage, but keep in mind that this will increase your monthly payment and the amount you'll pay in interest over the life of the loan.In addition to the upfront premium, you'll also make monthly payments toward your annual mortgage insurance premium as part of your mortgage payment. Depending on your loan size, term length, and loan-to-value ratio, you'll pay between 0.15% and 0.75% of the loan amount each year.Use Business Insider's free mortgage calculator to see how a lower rate could impact your monthly mortgage payment.There are also refinance-specific calculators online that let you compare the costs and benefits of a refinance to your current mortgage.It's not uncommon for FHA borrowers to seek out a conventional refinance once their finances have improved. While FHA mortgages can help those with low credit or high DTIs affordably purchase a home, conventional loans can often be the better deal if your credit is in the \"very good\" to \"excellent\" range since you may be able to get a lower rate and save on mortgage insurance.\"Monthly mortgage insurance with FHA is generally more expensive than with a conventional loan because it is a fixed rate no matter your credit score,\" says Whitehead. \"So, a borrower with a 740 credit score putting 5% down on a conventional loan may only have a monthly mortgage insurance rate of 0.25%, whereas the same loan-to-value with FHA will be 0.55%.\"Refinancing to a conventional mortgage can be an especially good idea if you have 20% or more equity in your home since you won't have to pay mortgage insurance at all.If you're not sure what kind of mortgage you'd like to refinance into, your lender can walk you through all the options you're eligible for and help you determine which one makes the most sense for you.Your FHA mortgage refinance rate will depend a lot on the state you're in and the lender you go with, as each lender sets its own rates. Recently, FHA refinance interest rates have been in the mid-5% range, according to Zillow data.Experts typically say that a refinance is worth it if you can lower your rate by at least one percentage point. You should also consider how long it will take you to break even from your refinance.You'll typically need a score of at least 580 to get an FHA refinance, though some lenders may require a higher score. If you're getting a non-credit qualifying streamline refinance, there is no minimum credit score since your credit won't be checked.You might like an FHA streamline since it's a simpler process that enables you to refinance from an FHA loan into another FHA loan. It typically takes between 30 and 45 takes to close on a mortgage, but it depends on the details of your loan. A streamline refinance may be able to close slightly faster.","articleSection":"Personal Finance, Loans, Mortgages","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What are today's FHA refinance rates?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Your FHA <a href=\"https://www.businessinsider.com/personal-finance/mortgages/current-mortgage-refinance-rates\" data-analytics-product-module=\"body_link\" rel=\"\">mortgage refinance rate</a> will depend a lot on the state you're in and the lender you go with, as each lender sets its own rates. 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data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Types of FHA refinance loans </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#why-consider-an-fha-refinance?" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Why consider an FHA refinance? </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#finding-the-best-fha-refinance-rates" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Finding the best FHA refinance rates </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#refinancing-an-fha-loan-to-a-conventional-loan" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Refinancing an FHA loan to a conventional loan </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#faqs" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> </menu> </div> </nav> <div class="sticky-toc-aside-wrapper"> <ul class="sticky-toc-aside js-sticky-toc-aside" data-component-type="sticky-toc"> <li> <a href="#what-are-today's-fha-refinance-rates?" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > What are today's FHA refinance rates? </a> </li> <li> <a href="#compare-current-fha-refinance-rates" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Compare current FHA refinance rates </a> </li> <li> <a href="#types-of-fha-refinance-loans" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Types of FHA refinance loans </a> </li> <li> <a href="#why-consider-an-fha-refinance?" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Why consider an FHA refinance? </a> </li> <li> <a href="#finding-the-best-fha-refinance-rates" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Finding the best FHA refinance rates </a> </li> <li> <a href="#refinancing-an-fha-loan-to-a-conventional-loan" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Refinancing an FHA loan to a conventional loan </a> </li> <li> <a href="#faqs" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> </ul> </div> </header> <nav class="component my-insider with-banner style-loading" data-my-insider data-component-type="my-insider" data-load-markup="my-insider/template" data-load-strategy="interaction" > <div class='my-insider-header'></div> <div class='my-insider-nav-and-content'></div> </nav> <section id="l-main-content" class="masthead " data-content > <div> <div class="hub-wrapper has-subnav hub-wrapper-helpfulness pfi"> <div class="vertical-title-wrapper"> <div class="hub-nav-wrapper"> <nav class="hub-nav style-loading" data-component-type="hub-nav" 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Chase Sapphire Preferred Credit Card </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/travel-insurance/squaremouth-travel-insurance-review" data-track-click="{"product_field":"featured_reviews","event":"navigation","element_name":"helpfulness_navbar"}" > SquareMouth Travel Insurance </a> </li> </ul> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Credit Cards </a> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-credit-cards" 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href="https://www.businessinsider.com/personal-finance/credit-cards/best-travel-rewards-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Travel Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-zero-interest-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best 0% APR Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-balance-transfer-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Balance Transfer Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-starter-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best First Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-small-business-credit-card" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Business Credit Cards </a> </li> </ul> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/insurance" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Insurance </a> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/auto-insurance/best-car-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Car Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/homeowners-insurance/best-homeowners-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Homeowners Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/life-insurance/best-life-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Life Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/pet-insurance/best-pet-insurance" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Pet Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/homeowners-insurance/best-renters-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Renters Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/travel-insurance/best-travel-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Travel Insurance </a> </li> </ul> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/banking" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Banking </a> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/best-high-yield-savings-accounts-rates-right-now" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Best Savings Accounts </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/best-checking-accounts" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Best Checking Accounts </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/best-money-market-accounts" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Best Money Market Accounts </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/who-has-the-best-cd-rates-right-now" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Best CD Rates </a> </li> <li 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</a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/student-loans/best-private-student-loans" data-track-click="{"product_field":"pfi_loans","event":"navigation","element_name":"helpfulness_navbar"}" > Best Student Loans </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/student-loans/best-student-loan-refinance-companies" data-track-click="{"product_field":"pfi_loans","event":"navigation","element_name":"helpfulness_navbar"}" > Best Student Loan Refinance </a> </li> </ul> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/mortgages" data-track-click="{"product_field":"pfi_mortgages","event":"navigation","element_name":"helpfulness_navbar"}" > Mortgages </a> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/mortgages/best-mortgage-lenders" data-track-click="{"product_field":"pfi_mortgages","event":"navigation","element_name":"helpfulness_navbar"}" > Best mortgage lenders </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/mortgages/best-mortgage-refinance-lenders" data-track-click="{"product_field":"pfi_mortgages","event":"navigation","element_name":"helpfulness_navbar"}" > Best mortgage refinance lenders </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " 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role="main" > <section id="l-content" class="is-right-rail content-with-sticky-toc" data-track-page-area="Post" data-post-content > <section class="row"> <div class="col-12"> <article class=""> <section class="post-headline-wrapper " id="post-headline" > <div class="post-meta"> <span class="post-breadcrumbs headline-regular "> <a href="/personal-finance" class="" data-track-click="{"product_field":"Personal Finance","element_name":"breadcrumbs","event":"navigation"}" > Personal Finance </a> <svg class="svg-icon chevron-icon post-breadcrumbs-chevron rotate270" data-chevron-icon role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon" > <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#0a0a0a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"/> </svg> <a href="/personal-finance/mortgages" class="" data-track-click="{"product_field":"Mortgages","element_name":"breadcrumbs","event":"navigation"}" > Mortgages </a> </span> </div> <h1 class="post-headline ">FHA Refinance Rates: See if You Could Lower Your Rate</h1> </section> <section class="byline-wrapper byline-wrapper-helpfulness "> <div class="byline " data-e2e-name="byline" > <div class="byline-content" data-e2e-name="byline-content" > <div class="byline-row"> <div class="byline-author-container"> <div class="byline-author headline-regular"> <span class="headline-regular">Written by</span> <span class="" data-e2e-name="Molly Grace" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/molly-grace" >Molly Grace</a><span class="headline-regular">;</span></span> <span class="headline-regular">edited by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/sarah-silbert" >Sarah Silbert</a><span class="headline-regular">;</span> <span class="headline-regular">reviewed by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/elias-shaya" >Elias Shaya</a> </div> <div class="byline-updated"> Updated </div> <time class="byline-timestamp headline-regular js-date-format" data-timestamp="2024-10-30T20:46:49Z" data-e2e-name="byline-timestamp" data-disable-relative-formatting > 2024-10-30T20:46:49Z </time> </div> </div> </div> </div> <section class="sharebar " data-component-type="share" data-location=""> <div class="share-button-dropdown-wrapper"> <button class="share-button sharebar-link headline-regular"><svg class="svg-icon share-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 12 12"> <defs/> <title>Share icon</title> <desc>An curved arrow pointing right.</desc> <path fill-rule="evenodd" d="M7.336 8.014l4.2-3.5-4.2-3.5v2.8h-2.54c-1.948 0-3.526 1.567-3.526 3.5v3.16h1.469v-3.16a2.05 2.05 0 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class="sticky-toc-dropdown-button js-sticky-toc-dropdown-button"> <span class="sticky-toc-arrow"><svg class="svg-icon chevron-icon " data-chevron-icon role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon" > <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"/> </svg></span> </div> <menu class="sticky-toc-dropdown helpfulness-mobile-toc"> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#what-are-today's-fha-refinance-rates?" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > What are today's FHA refinance rates? </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#compare-current-fha-refinance-rates" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Compare current FHA refinance rates </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#types-of-fha-refinance-loans" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Types of FHA refinance loans </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#why-consider-an-fha-refinance?" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Why consider an FHA refinance? </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#finding-the-best-fha-refinance-rates" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Finding the best FHA refinance rates </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#refinancing-an-fha-loan-to-a-conventional-loan" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Refinancing an FHA loan to a conventional loan </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#faqs" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> </menu> </div> </nav> <div class="sticky-toc-aside-wrapper"> <ul class="sticky-toc-aside js-sticky-toc-aside" data-component-type="sticky-toc"> <li> <a href="#what-are-today's-fha-refinance-rates?" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > What are today's FHA refinance rates? </a> </li> <li> <a href="#compare-current-fha-refinance-rates" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Compare current FHA refinance rates </a> </li> <li> <a href="#types-of-fha-refinance-loans" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Types of FHA refinance loans </a> </li> <li> <a href="#why-consider-an-fha-refinance?" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Why consider an FHA refinance? </a> </li> <li> <a href="#finding-the-best-fha-refinance-rates" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Finding the best FHA refinance rates </a> </li> <li> <a href="#refinancing-an-fha-loan-to-a-conventional-loan" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Refinancing an FHA loan to a conventional loan </a> </li> <li> <a href="#faqs" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> </ul> </div> <div> <section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <p class="headline-regular financial-disclaimer">Affiliate links for the products on this page are from partners that compensate us (see our <a href="https://www.businessinsider.com/personal-finance/our-partners" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">advertiser disclosure with our list of partners</a> for more details). However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/mortgages/how-we-evaluate-mortgage-lenders" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate mortgages</a> to write unbiased product reviews.</p> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><p>Check out the latest FHA refinance rates to see if you could save some money by refinancing your <a href="https://www.businessinsider.com/personal-finance/mortgages/best-lenders-for-fha-loans" data-analytics-product-module="body_link" rel="">FHA mortgage</a>.</p><h2 data-toc-label="What are today's FHA refinance rates?" id="what-are-today's-fha-refinance-rates?" class="toc-anchor">What are today's FHA refinance rates?</h2><p><a href="https://www.businessinsider.com/personal-finance/best-lenders-for-fha-loans" data-analytics-product-module="body_link" rel=""></a>FHA mortgages offer some of the <a href="https://www.businessinsider.com/personal-finance/mortgages/average-mortgage-interest-rate" data-analytics-product-module="body_link" rel="">lowest mortgage rates</a> on the market, and FHA refinance rates may be even lower. One of the benefits of getting a government-backed loan like an FHA mortgage is that many borrowers pay less for these loans even when compared to conventional loans with shorter terms, like a <a href="https://www.businessinsider.com/personal-finance/mortgages/15-year-refinance-rates" data-analytics-product-module="body_link" rel="">15-year mortgage refinance</a>.</p><p>In September, FHA refinance rates averaged around 5.49%, according to <a href="https://www.businessinsider.com/personal-finance/mortgages/what-is-zillow" data-analytics-product-module="body_link" rel="">Zillow</a> data. This flat from where they were the month before. Rates are trending similarly this month.</p><p>You can get a significant discount by getting an FHA refinance over a conventional refinance. FHA refinance rates were substantially lower than conventional <a href="https://www.businessinsider.com/personal-finance/mortgages/30-year-refinance-rates" data-analytics-product-module="body_link" rel="">30-year refinance rates</a> last month. </p><h2 data-toc-label="Compare current FHA refinance rates" id="compare-current-fha-refinance-rates" class="toc-anchor">Compare current FHA refinance rates</h2><p>See how today's FHA refinance rates compare to other types of refinance loans.</p> <div class="mortgage-rates-table-wrapper" data-component-type="mortgage-rates-table" data-root-margin="0px 0px 100% 0px"> <div class="mortgage-rates-table-container"> <span class="mortgage-rates-timestamp headline-regular"></span> <table class="mortgage-rates-table table-content refinance-rates daily "> <tbody class="table-content-body headline-regular"> <tr> <td class="headline-regular headline-semibold"> <strong class="headline-regular headline-semibold">Mortgage type</strong> </td> <td class="headline-regular headline-semibold"> <strong class="headline-regular headline-semibold">Average rate today</strong> </td> </tr> <tr class="mortgage-rates-table-placeholder"> <td class="headline-regular headline-semibold"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> <td class="headline-regular"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> </tr> <tr class="mortgage-rates-table-placeholder"> <td class="headline-regular headline-semibold"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> <td class="headline-regular"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> </tr> <tr class="mortgage-rates-table-placeholder"> <td class="headline-regular headline-semibold"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> <td class="headline-regular"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> </tr> <tr class="mortgage-rates-table-placeholder"> <td class="headline-regular headline-semibold"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> <td class="headline-regular"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> </tr> <tr class="mortgage-rates-table-placeholder"> <td class="headline-regular headline-semibold"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> <td class="headline-regular"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> </tr> <tr class="mortgage-rates-table-placeholder"> <td class="headline-regular headline-semibold"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> <td class="headline-regular"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> </tr> <tr class="mortgage-rates-table-placeholder"> <td class="headline-regular headline-semibold"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> <td class="headline-regular"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> </tr> </tbody> </table> </div> <div class="mortgage-rates-table-credits body-italic"> <span class="mortgage-rates-table-text">This information has been provided by Zillow. See more <a class="not-content-link mortgage-rates-table-link" href="https://www.zillow.com/mortgage-rates/" target="_blank" rel="noreferrer noopener nofollow" data-analytics-product-module="mortgage_rates_table" data-analytics-product-area="click">mortgage rates</a> on Zillow</span> <a href="https://zillow.com" target="_blank" class="not-content-link mortgage-rates-table-logo" rel="noreferrer noopener nofollow" data-analytics-product-module="mortgage_rates_table" data-analytics-product-area="click"> <svg id="Logo" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1911 400"><defs><style>.cls-1{fill:#006aff;}</style></defs><title>Real Estate on Zillow</title><path class="cls-1" d="M1460.41,148.57h77.77l22.54,73.68c7.52,24.41,20.09,70.24,20.09,70.24a.6.6,0,0,0,1.13,0s13-46.68,20.42-70.24L1626,148.57h57.44l23.23,73.68c7.85,25.25,20,70.22,20,70.22a.6.6,0,0,0,1.15,0s12.63-45.54,20.07-70.22l22.55-73.68h72.28l-78.19,243.55h-71.13L1674,331c-7.45-24-20.55-70.57-20.55-70.57a.6.6,0,0,0-1.15,0s-13.1,45.68-20.95,70.15l-19.77,61.59h-72.41Z"></path><rect class="cls-1" x="936.81" y="19.92" width="78.71" height="372.21"></rect><rect class="cls-1" x="1073.84" y="19.91" width="78.72" height="372.21"></rect><path class="cls-1" d="M1380.68,271.18c0-36.24-25.85-60.9-56.46-60.9-31.34,0-57.19,24.66-57.19,60.9,0,36.48,25.85,60.9,57.19,60.9,30.61,0,56.46-24.42,56.46-60.9m-189.16,0c0-74,59.68-128.81,132.7-128.81,72.29,0,132,54.84,132,128.81,0,74.21-59.68,129.05-132,129.05-73,0-132.7-54.84-132.7-129"></path><path class="cls-1" d="M481.46,54.36v71.76H620.58c.57,0,.78.52.49,1L481.4,364.48c-3.36,6.17-4.16,7.49-4.16,13.65v14h271V320.49H597.69a.62.62,0,0,1-.5-1L738.48,79c1.12-2.34,2.3-4,2.3-9.64l.05-15Z"></path><path class="cls-1" d="M798.37,148.58h78.7V392.13h-78.7Zm39.35-122c24.54,0,44.82,19.8,44.82,44.19S862.26,115,837.72,115s-44.81-19.8-44.81-44.2S813.18,26.6,837.72,26.6"></path><path class="cls-1" d="M242.17,106.29c1.8-.44,2.63.2,3.71,1.41,6.16,6.93,26,31.1,31.4,37.71a2.12,2.12,0,0,1-.49,3.16c-40,31.22-84.49,75.38-109.3,107-.53.67-.09.72.26.57,43.21-18.6,144.67-48.27,190.44-56.59V141.64L179.28.23.05,141.64v63.29C55.61,171.91,184,120.8,242.17,106.29Z"></path><path class="cls-1" d="M96.63,349.5a3,3,0,0,1-3.88-.57L59.34,309.14c-.93-1.08-1-1.65.18-3.41C85.32,267.88,138,209,171.59,184.05c.6-.44.44-.86-.26-.63-35,11.44-134.47,54.17-171.28,75V393.6H358.18V263.5C309.27,271.81,163.08,315.27,96.63,349.5Z"></path><path class="cls-1" d="M1895.2,113.87c0-7-4.86-11.91-11.67-11.91H1871v34h5.59V125.77h5.49L1888.3,136h6.36l-6.7-11C1892.33,123.34,1895.2,119.16,1895.2,113.87Zm-12,6.9h-6.61V107h6.61c3.7,0,6.42,2.92,6.42,6.91S1886.89,120.77,1883.19,120.77Z"></path><path class="cls-1" d="M1881.84,90.16a29.38,29.38,0,1,0,29.38,29.37A29.41,29.41,0,0,0,1881.84,90.16Zm0,53.11a23.74,23.74,0,1,1,23.74-23.74A23.77,23.77,0,0,1,1881.84,143.27Z"></path></svg> </a> </div> </div><h2 data-toc-label="Types of FHA refinance loans" id="types-of-fha-refinance-loans" class="toc-anchor">Types of FHA refinance loans</h2><p>The three main types of FHA refinance loans include:</p><ul><li><strong>FHA Streamline refinance:</strong> As the name suggests, a <a href="https://www.businessinsider.com/personal-finance/mortgages/streamline-refinance" rel="">streamline refinance</a> offers a simpler process for refinancing from an FHA mortgage into a new FHA mortgage. These refinances can be either <strong>credit qualifying</strong>, meaning the lender will need to check your credit before approving you, or <strong>non-credit qualifying</strong>, which requires no credit check. With both types, there are fewer documentation and underwriting requirements, and no appraisal is needed.</li><li><strong>FHA <a href="https://www.businessinsider.com/personal-finance/mortgages/rate-and-term-refinance" rel="">rate-and-term</a> or simple refinance:</strong> This is a standard refinance that allows you to lower your rate or change your term length. If you're refinancing from a <a href="https://www.businessinsider.com/personal-finance/mortgages/conventional-mortgage" rel="">conventional mortgage</a> into an FHA mortgage, it's called a <strong>rate-and-term refinance</strong>. If you're refinancing from an FHA mortgage into another FHA mortgage, it's called a <strong>simple refinance</strong>.</li><li><strong>FHA <a href="https://www.businessinsider.com/personal-finance/mortgages/cash-out-refinance" rel="">cash-out refinance:</a> </strong>This type of refinance lets you tap into your home's equity and get cash back at closing.</li></ul><h2 data-toc-label="Why consider an FHA refinance?" id="why-consider-an-fha-refinance?" class="toc-anchor">Why consider an FHA refinance?</h2><p>Typically, it only makes sense to refinance if it can help you:</p><ul><li><strong>Lower your interest rate. </strong>If rates have dropped since you got your current mortgage, you may be able to save by refinancing into a new mortgage. Plus, FHA loans often have lower rates than conventional loans.</li><li><strong>Change your term length. </strong>Refinancing into a shorter term will help you pay off your mortgage faster while saving on interest. However, this will likely increase your monthly <a href="https://www.businessinsider.com/personal-finance/mortgages/average-mortgage-payment" rel="">mortgage payment</a>. You can also refinance into a longer term if you want to lower your monthly payment, but you'll end up spending more on interest overall.</li><li><strong>Tap into home equity with a cash-out refinance. </strong>Funds from a cash-out refinance can be used however you like, including for <a href="https://www.businessinsider.com/personal-finance/mortgages/what-is-a-home-renovation-loan-guide" rel="">home renovations</a> or debt consolidation.</li></ul><p>Another common reason borrowers refinance is to get rid of mortgage insurance, but you won't want to refinance into an FHA loan for this, since these mortgages typically require annual mortgage insurance for the life of the loan. If you have an FHA loan and sufficient equity, you'll want to refinance into a conventional loan to get rid of mortgage insurance.</p><p>So when might you consider an FHA refinance over other loan types? It might be a good option if your credit or finances disqualify you from getting a conventional mortgage.</p><p>"If you are using FHA for your loan, it's generally because you have to based upon lower credit scores, higher <a href="https://www.businessinsider.com/personal-finance/mortgages/debt-to-income-ratio" data-analytics-product-module="body_link" rel="">debt-to-income ratios</a>, or significant credit events in your recent past, such as a bankruptcy, foreclosure, or short sale," says Mason Whitehead, a Dallas-based branch manager for <a href="https://www.businessinsider.com/personal-finance/mortgages/churchill-mortgage-review" data-analytics-product-module="body_link" rel="">Churchill Mortgage</a>. "FHA allows you to qualify much faster with those issues than a conventional loan does."</p><p>FHA streamline refinances in particular can be beneficial because the process is simpler and may be a little cheaper, since you won't have to pay for an appraisal. Plus, if you're eligible for a non-credit qualifying streamline, you won't have to worry about your credit preventing you from refinancing.</p><h2 data-toc-label="Finding the best FHA refinance rates" id="finding-the-best-fha-refinance-rates" class="toc-anchor">Finding the best FHA refinance rates</h2><h3>Shop multiple FHA-approved lenders</h3><p>No matter what type of refinance you're getting, one of the best things you can do to ensure you get a good rate is shop around with more than one lender. Typically, experts recommend getting preapproved with at least three lenders to see which can offer you a low rate.</p><h3>Consider all your costs</h3><p>As you get quotes from different lenders, remember that your rate isn't the only cost you should think about. Every company charges different lender fees, and these costs can make a big different in how much you'll pay at closing. Some lenders that charge low rates make up for it by charging higher fees.</p><p>Don't forget that all FHA loans come with certain FHA-specific costs as well.</p><p>You'll need to pay the upfront mortgage insurance premium, which is equal to 1.75% of the loan amount. This premium can be financed into the mortgage, but keep in mind that this will increase your monthly payment and the amount you'll pay in interest over the life of the loan.</p><p>In addition to the upfront premium, you'll also make monthly payments toward your annual mortgage insurance premium as part of your mortgage payment. Depending on your loan size, term length, and <a href="https://www.businessinsider.com/personal-finance/mortgages/loan-to-value-ratio-mortgage-refinancing" data-analytics-product-module="body_link" rel="">loan-to-value ratio</a>, you'll pay between 0.15% and 0.75% of the loan amount each year.</p><h3>Utilize FHA refinance calculators</h3><p>Use Business Insider's free mortgage calculator to see how a lower rate could impact your monthly mortgage payment.</p> <div class="calculator loan-calculator" data-component-type="calculators/loan-calculator" data-root-margin="0px 0px 100% 0px"> <h5 class="calculator__title headline-semibold">Mortgage Calculator</h5> <div class="calculator__divider"></div> <div class="calculator__fields"> <div class="calculator__field calculator__field--horizontal"> <div class="calculator__price"> <input class="calculator__input headline-regular" value="$344,400" data-id="home-price-input" data-analytics-product-module="mortgage_calculator" data-analytics-product-area="home_price"> <label class="headline-regular">Home Price</label> </div> <input type="range" min="80000" max="5000000" value="344400" data-id="home-price" class="calculator__slider" data-analytics-product-module="mortgage_calculator" data-analytics-product-area="slide_bar"> </div> <div class="calculator__duo-field"> <div class="calculator__field calculator__field--majority"> <input class="calculator__input headline-regular" data-id="down-payment" type="text" pattern="[0-9]+" value="$68,880" maxlength="9" data-analytics-product-module="mortgage_calculator" data-analytics-product-area="down_payment"> <label class="headline-regular">Down payment</label> </div> <div class="calculator__field calculator__field--minority"> <input class="calculator__input headline-regular" data-id="down-payment-percentage" type="text" pattern="[0-9]+" value="20" maxlength="5" data-analytics-product-module="mortgage_calculator" data-analytics-product-area="down_payment_percent"> <span class="calculator__field__end headline-regular">%</span> </div> </div> <div class="calculator__field"> <input class="calculator__input headline-regular" data-id="loan-length" type="text" pattern="[0-9]+" value="30" maxlength="3" data-analytics-product-module="mortgage_calculator" data-analytics-product-area="loan_length"> <label class="headline-regular">Length of loan (years)</label> </div> <div class="calculator__field"> <input class="calculator__input headline-regular" data-id="interest-rate" type="text" pattern="[0-9]+" value="3" maxlength="5" data-analytics-product-module="mortgage_calculator" data-analytics-product-area="interest_Rate"> <label class="headline-regular">Interest rate</label> <span class="calculator__field__end headline-regular">%</span> </div> </div> <div class="calculator__result"> <span class="calculator__amount headline-regular">$<span class="headline-semibold">1,161</span></span> <span class="calculator__amount-blurb headline-regular">Your estimated monthly payment</span> </div> <div class="calculator__more-details" data-analytics-product-module="mortgage_calculator" data-analytics-product-area="more_details"> <div class="calculator__more-details__header" data-analytics-product-module="mortgage_calculator" data-analytics-product-area="more_details"> <span class="calculator__more-details__text headline-semibold" data-analytics-product-module="mortgage_calculator" data-analytics-product-area="more_details">More details</span> <span class="calculator__chevron" data-analytics-product-module="mortgage_calculator" data-analytics-product-area="more_details"><svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg></span> </div> <div class="calculator__more-details__wrap"> <div class="calculator__more-details__content"> <div class="calculator__fact headline-regular"><span>Total paid</span><div class="calculator__fact__divider"></div><span class="calculator__fact__value headline-semibold">$<span data-id="breakdown-total">418,177</span></span></div> <div class="calculator__fact headline-regular"><span>Principal paid</span><div class="calculator__fact__divider"></div><span class="calculator__fact__value headline-semibold">$<span data-id="breakdown-principal">275,520</span></span></div> <div class="calculator__fact headline-regular"><span>Interest paid</span><div class="calculator__fact__divider"></div><span class="calculator__fact__value headline-semibold">$<span data-id="breakdown-interest">42,657</span></span></div> <div class="calculator__tips"> <span class="calculator__tips__header headline-semibold">Ways you can save:</span> <ul class="headline-regular"> <li class="headline-regular">Paying a <span>25%</span> higher down payment would save you <span data-id="down-payment-savings">$8,916.08</span> on interest charges</li> <li class="headline-regular">Lowering the interest rate by <span>1%</span> would save you <span data-id="interest-rate-savings">$51,562.03</span></li> <li class="headline-regular">Paying an additional <span>$500</span> each month would reduce the loan length by <span data-id="monthly-savings">146</span> months</li> </ul> </div> </div> </div> </div> </div><p>There are also refinance-specific calculators online that let you compare the costs and benefits of a refinance to your current mortgage.</p><h2 data-toc-label="Refinancing an FHA loan to a conventional loan" id="refinancing-an-fha-loan-to-a-conventional-loan" class="toc-anchor">Refinancing an FHA loan into a conventional loan</h2><p>It's not uncommon for FHA borrowers to seek out a conventional refinance once their finances have improved. While FHA mortgages can help those with low credit or high DTIs affordably purchase a home, conventional loans can often be the better deal if <a href="https://www.businessinsider.com/personal-finance/credit-score/what-is-a-good-credit-score" data-analytics-product-module="body_link" rel="">your credit is in the "very good" to "excellent" range</a> since you may be able to get a lower rate and save on mortgage insurance.</p><p>"Monthly mortgage insurance with FHA is generally more expensive than with a conventional loan because it is a fixed rate no matter your credit score," says Whitehead. "So, a borrower with a 740 credit score putting 5% down on a conventional loan may only have a monthly mortgage insurance rate of 0.25%, whereas the same loan-to-value with FHA will be 0.55%."</p><p>Refinancing to a conventional mortgage can be an especially good idea if you have 20% or more equity in your home since you won't have to pay mortgage insurance at all.</p><p>If you're not sure what kind of mortgage you'd like to refinance into, your lender can walk you through all the options you're eligible for and help you determine which one makes the most sense for you.</p><h2 data-toc-label="FAQs" id="faqs" class="toc-anchor">FHA refinance rates FAQs</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What are today's FHA refinance rates? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Your FHA <a href="https://www.businessinsider.com/personal-finance/mortgages/current-mortgage-refinance-rates" data-analytics-product-module="body_link" rel="">mortgage refinance rate</a> will depend a lot on the state you're in and the lender you go with, as each lender sets its own rates. Recently, FHA refinance interest rates have been in the mid-5% range, according to Zillow data.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Is an FHA refinance worth it? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Experts typically say that a <a href="https://www.businessinsider.com/personal-finance/mortgages/when-to-refinance-mortgage" data-analytics-product-module="body_link" rel="">refinance is worth it</a> if you can lower your rate by at least one percentage point. You should also consider how long it will take you to break even from your refinance.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Do I qualify for an FHA refinance? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">You'll typically need a score of at least 580 to get an FHA refinance, though some lenders may require a higher score. If you're getting a non-credit qualifying streamline refinance, there is no minimum credit score since your credit won't be checked.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Is an FHA streamline refinance worth it? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">You might like an FHA streamline since it's a simpler process that enables you to refinance from an FHA loan into another FHA loan. </p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How long does an FHA refinance take? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">It typically takes between 30 and 45 takes to close on a mortgage, but it depends on the details of your loan. A streamline refinance may be able to close slightly faster.</p> </div> </div> </div><div class="ca-widget" data-token="x13d55880b64" data-s1="AMCID"></div> <div class="script" data-lazy-load="script" data-load-strategy="lazy" data-src="https://secure.money.com/embeds/embedder.js?v=1" data-async="true" data-defer="true"></div> <section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/molly-grace" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="molly-grace"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/621fc89f75b649001845be8a?crop=1:1&width=256&format=jpeg&auto=webp" alt="Headshot of Molly Grace"> <noscript> <img src="https://i.insider.com/621fc89f75b649001845be8a?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/molly-grace" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Molly Grace</div> </a> <div class="post-author_title headline-regular">Mortgage Reporter</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Molly Grace is a mortgage reporter for Business Insider with over six years of experience writing about mortgages and homeownership. </span><span><span class="headline-semibold">Experience</span></span><span>In addition to her daily mortgage rate coverage, Molly also writes mortgage lender reviews and educational articles on homebuying and analyzes data and economic trends to give readers actionable and up-to-date information about the housing market.</span><span>She also tracks affordable mortgage and down payment assistance programs offered throughout the country to keep her readers informed of homebuyer programs available to them. </span><span>Before Business Insider, Molly was a blog writer for Rocket Companies and helped to create Rocket Mortgage’s Shorty Award-winning podcast <em>Home. Made</em>.</span><span>Molly is passionate about covering personal finance topics with empathy. Her goal is to make homebuying knowledge more accessible, especially for groups that may think homeownership is out of reach. </span><span><span class="headline-semibold">Expertise</span></span><span>Molly is an expert in the following topics:</span><ul><li><span>Mortgages and mortgage lenders</span></li><li><span>Home equity</span></li><li><span>The housing market</span></li><li><span>The economy and the forces that impact mortgage rates</span></li><li><span>Budgeting and saving</span></li><li><span>Credit</span></li><li><span>Insurance</span></li><li><span>Retirement savings</span></li></ul><span><span class="headline-semibold">Education</span></span><span>Molly earned a bachelor's degree in journalism from Indiana University. </span><span>She is based in Michigan and has a dog and two cats. </span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/elias-shaya" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="elias-shaya"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/63f938c4ae0bf0001824b2c1?crop=1:1&width=256&format=jpeg&auto=webp" alt="Elias Shaya looks at the camera. He stands outdoors, wearing a black jacket, with a city in the distant background."> <noscript> <img src="https://i.insider.com/63f938c4ae0bf0001824b2c1?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/elias-shaya" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Elias Shaya</div> </a> <div class="post-author_title headline-regular">Compliance Associate</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded1"> <div class="post-author_bio_content"> <span>Elias Shaya is a Compliance Associate on the Personal Finance Insider team based in New York City, which ensures content accuracy and editorial independence so readers are always getting up-to-date and objective financial advice.</span><span>The team also works to minimize risk for partners by ensuring language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team. Elias is the point person for the loans sub-vertical and works with the editorial team to ensure that all rates and information for personal and student loans are up-to-date and accurate.</span><span>He joined Insider in February 2022 as a fellow on the compliance team.</span> </div> <label for="expanded1" role="button" class="post-author_bio_more">Read more</label> <label for="expanded1" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/60a53ef9e25d05001880c7d2":{"contentType":"image/png","aspectRatioW":1200,"aspectRatioH":320}}" alt="LendingClub Logo"> <noscript> <img src="https://i.insider.com/60a53ef9e25d05001880c7d2?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> LendingClub LevelUp Savings Account </a> <span class="headline-semibold featured-product-sub-heading"> Earn 5.00% APY when you deposit $250 per month <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Earn 5.00% APY when you deposit at least $250 per month, earn 4.00% standard APY if minimum isn't met.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-link not-content-link" data-analytics-product-area="button" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> Start Saving </a> </div> </div> </div> </div> </div> </div> <div class="ignore-typography"> <span class="zillow-disclaimer body-italic"> © Zillow, Inc., 2006-2016. 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