loanDepot 30 year FHA refinance
NMLS #174457
- Rate as of 5/23/26
- 5.490%
- APR
- 6.280%Points: 1.802
- Monthly payment
- $1,607Upfront costs: $11,0728 year cost: $115,395
- Customer score
FHA refinance rates
Updated on May 23, 2026
On Saturday, May 23, 2026, the national average 30-year FHA refinance APR is 6.71%. The average 30-year fixed FHA mortgage APR is 6.46%, according to Bankrate's latest survey of the nation's largest mortgage lenders.
Personalize your search
FHA refinance rates today
Showing results for: Rate-and-term refinance offers for Single-family home, 30 year fixed and 5 year ARM mortgages with all points options.
The listings that appear on this page are from companies from which this website receives compensation.
Lender
Rate as of 5/23/26
APR
Monthly payment
Customer score
Tomo 30 year fixed refinance
NMLS #2059741
State Lic: RM.804811.000
- Rate as of 5/23/26
- 5.625%
- APR
- 5.877%Points: 1.977
- Monthly payment
- $1,524Upfront costs: $6,9198 year cost: $118,325
- Customer score
Sage Home Loans 30 year fixed refinance
NMLS #3304
State Lic: RM.850026.000
- Rate as of 5/23/26
- 5.873%
- APR
- 6.067%Points: 1.5
- Monthly payment
- $1,561Upfront costs: $5,4548 year cost: $122,446
- Customer score
Real Genius 30 year fixed refinance
NMLS #2389303
State Lic: RM.804955.000
- Rate as of 5/23/26
- 5.875%
- APR
- 6.109%Points: 1.989
- Monthly payment
- $1,562Upfront costs: $6,5458 year cost: $123,579
- Customer score
Optimum First Mortgage 30 year fixed refinance
NMLS #240415
State Lic: RM.804405.000
- Rate as of 5/23/26
- 5.872%
- APR
- 6.128%Points: 1.957
- Monthly payment
- $1,561Upfront costs: $7,1618 year cost: $123,763
- Customer score
Rocket Mortgage 30 year FHA refinance
NMLS #3030
- Rate as of 5/23/26
- 5.875%
- APR
- 6.689%Points: 1.625
- Monthly payment
- $1,672Upfront costs: $11,4108 year cost: $123,824
- Customer score
third federal savings and loan 30 year fixed refinance
NMLS #449401
- Rate as of 5/23/26
- 5.890%
- APR
- 6.133%Points: 2
- Monthly payment
- $1,564Upfront costs: $6,7758 year cost: $124,125
- Customer score
third federal savings and loan 30 year FHA refinance
NMLS #449401
- Rate as of 5/23/26
- 6.290%
- APR
- 6.849%Points: 0
- Monthly payment
- $1,742Upfront costs: $4,6208 year cost: $125,796
- Customer score
Mutual of Omaha Mortgage 30 year FHA refinance
NMLS #1025894
- Rate as of 5/23/26
- 6.000%
- APR
- 6.845%Points: 1.98
- Monthly payment
- $1,693Upfront costs: $12,0858 year cost: $127,134
- Customer score
loanDepot 30 year fixed refinance
NMLS #174457
- Rate as of 5/23/26
- 6.125%
- APR
- 6.327%Points: 1.472
- Monthly payment
- $1,604Upfront costs: $5,5818 year cost: $127,889
- Customer score
Rocket Mortgage 30 year fixed refinance
NMLS #3030
- Rate as of 5/23/26
- 6.375%
- APR
- 6.644%Points: 1.625
- Monthly payment
- $1,647Upfront costs: $7,2908 year cost: $134,886
- Customer score
Mutual of Omaha Mortgage 30 year fixed refinance
NMLS #1025894
- Rate as of 5/23/26
- 6.625%
- APR
- 6.870%Points: 1.634
- Monthly payment
- $1,690Upfront costs: $6,5528 year cost: $139,449
- Customer score
Showing 12 of 15
About our Mortgage Rate Tables: The above mortgage loan information is provided to, or obtained by, Bankrate. Some lenders provide their mortgage loan terms to Bankrate for advertising purposes and Bankrate receives compensation from those advertisers (our “Advertisers”). Other lenders' terms are gathered by Bankrate through its own research of available mortgage loan terms and that information is displayed in our rate table for applicable criteria. In the above table, an Advertiser listing can be identified and distinguished from other listings because it includes a “Next” button that can be used to click-through to the Advertiser's own website or a phone number for the Advertiser.
Availability of Advertised Terms: Each Advertiser is responsible for the accuracy and availability of its own advertised terms. Bankrate cannot guaranty the accuracy or availability of any loan term shown above. However, Bankrate attempts to verify the accuracy and availability of the advertised terms through its quality assurance process and requires Advertisers to agree to our Terms and Conditions and to adhere to our Quality Control Program. Click here for rate criteria by loan product.
Loan Terms for Bankrate.com Customers: Advertisers may have different loan terms on their own website from those advertised through Bankrate.com. To receive the Bankrate.com rate, you must identify yourself to the Advertiser as a Bankrate.com customer. This will typically be done by phone so you should look for the Advertisers phone number when you click-through to their website. In addition, credit unions may require membership.
Loans Above $832,750 May Have Different Loan Terms: If you are seeking a loan for more than $832,750, lenders in certain locations may be able to provide terms that are different from those shown in the table above. You should confirm your terms with the lender for your requested loan amount.
Taxes and Insurance Excluded from Loan Terms: The loan terms (APR and Payment examples) shown above do not include amounts for taxes or insurance premiums. Your monthly payment amount will be greater if taxes and insurance premiums are included.
Consumer Satisfaction: If you have used Bankrate.com and have not received the advertised loan terms or otherwise been dissatisfied with your experience with any Advertiser, we want to hear from you. Please click here to provide your comments to Bankrate Quality Control.
Weekly national mortgage interest rate trends
Current refinance rates
| 30 year fixed FHA refinance | 6.68% |
FHA refinance rates today
| Product | Interest Rate | APR |
|---|---|---|
| 30-Year FHA Rate | 6.67% | 6.71% |
| 30-Year Fixed Rate | 6.76% | 6.83% |
| 20-Year Fixed Rate | 6.51% | 6.63% |
| 15-Year Fixed Rate | 6.09% | 6.19% |
| 30-Year VA Rate | 6.53% | 6.56% |
Rates as of Saturday, May 23, 2026 at 6:30 AM
Types of FHA refinance loans
There are a few ways to refinance an FHA loan:
- Rate-and-term FHA refinance: Refinancing an FHA loan to adjust the interest rate or term or both, but without taking cash out
- FHA cash-out refinance: Refinancing an FHA loan to adjust the interest rate or term or both, as well as taking cash out
- FHA streamline refinance: Refinancing an FHA loan to adjust the interest rate or term or both without an appraisal, credit check or income verification
- 203(k) loan or rehabilitation mortgage: Financing up to $35,000 into your mortgage to repair, upgrade or improve a single-family home
Learn more:
Types of mortgage refinance options
Should you refinance your FHA loan?
To decide whether refinancing your mortgage is a good idea, you’ll need to figure out when you’ll break even on your costs. You can calculate the break-even point by adding up your refinancing closing costs and figuring out how much you’ll save on your new monthly mortgage payment compared to your previous one. Your break-even point occurs when your savings outstrip the amount you spent on refinancing. Refinancing typically makes sense if you plan to stay in your home long enough to reach the break-even point.
If you’ve decided it makes sense to refinance, you have options: You can refinance from an FHA loan to a conventional loan, which might allow you to eliminate mortgage insurance premiums, or you could refinance to another type of loan, such as a VA loan. You might also refinance to another FHA loan. If you choose this approach, there are benefits and drawbacks:
Pros of FHA refinancing
- Potential to lower your interest rate and reduce your monthly loan payment
- Open to those with credit scores as low as 580
- Streamline refinances available with no credit check or income verification
- Cash-out refinance can provide you with funds needed for expenses like renovations
Cons of FHA refinancing
- Can’t take out more than FHA loan limits
- Mortgage insurance requirements
- Closing costs
How to get the best FHA refinance rate
- Work on your credit score. For the most competitive FHA refinance rate, you’ll need good to excellent credit, though you can still qualify with a score as low as 580.
- Improve your debt-to-income (DTI) ratio. Generally, the lower your DTI ratio, the better your rate.
- Shop around and compare multiple offers. This step can save you thousands of dollars over the life of the loan. Consider the interest rate as well as the annual percentage rate (APR). The latter accounts for the lender’s fees. When you’re refinancing, lower fees help you break-even sooner.
Learn more:
How to get the best refinance rate
FHA mortgage refinance FAQ
Additional FHA resources
Jeff Ostrowski covers mortgages and the housing market. Before joining Bankrate in 2020, he spent more than 20 years writing about real estate, business, the economy and politics.
Expertise
- Mortgages
- Mortgage refinancing
Mortgage rates in other states
- United States
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington DC
- West Virginia
- Wisconsin
- Wyoming