Skip to Main Content
|

FHA refinance rates

Jeff Ostrowski Written by
Jeff Ostrowski
Alice Holbrook Edited by
Alice Holbrook
Updated on September 02, 2026

On Wednesday, September 02, 2026, the national average 30-year FHA refinance APR is 6.83%. The average 30-year fixed FHA mortgage APR is 6.51%, according to Bankrate's latest survey of the nation's largest mortgage lenders.

Personalize your search
Mortgage type

On average, homeowners who've refinanced still overpay $2,462 a year on their mortgage.

Most mortgages are priced once, at closing, and never checked again. Compare refinance offers from multiple lenders to lower your monthly payment.

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.

For live offers, represented by the solid button on each, we earn a fixed fee if you connect with the lender.

Loandepot 30 Year Fha Refinance
NMLS #174457
RateRate as of 9/2/26
5.750%
APRAPR
6.564%
Monthly paymentMonthly payment
$1,651
Points
1.964
Upfront costs
$11,500
8-year cost
$121,283
Customer score
Tomo Mortgage 30 Year Fixed Refinance
NMLS #2059741 | State Lic: RM.804811.000
RateRate as of 9/2/26
5.875%
APRAPR
6.096%
Monthly paymentMonthly payment
$1,566
Points
1.597
Upfront costs
$5,916
8-year cost
$122,580
Customer score
Third Federal Savings and Loan 30 Year Fixed Refinance
NMLS #449401
RateRate as of 9/2/26
5.990%
APRAPR
6.234%
Monthly paymentMonthly payment
$1,581
Points
2
Upfront costs
$6,775
8-year cost
$126,233
Customer score
Optimum First Mortgage 30 Year Fixed Refinance
NMLS #240415 | State Lic: RM.804405.000
RateRate as of 9/2/26
5.998%
APRAPR
6.254%
Monthly paymentMonthly payment
$1,582
Points
1.933
Upfront costs
$7,098
8-year cost
$126,725
Customer score
Aimloan 30 Year Fixed Refinance
NMLS #2890 | State Lic: RM.850089.000
RateRate as of 9/2/26
6.125%
APRAPR
6.348%
Monthly paymentMonthly payment
$1,604
Points
1.957
Upfront costs
$6,161
8-year cost
$128,469
Customer score
The Central Trust Bank 30 Year Fixed Refinance
NMLS #407985
RateRate as of 9/2/26
6.125%
APRAPR
6.386%
Monthly paymentMonthly payment
$1,605
Points
1.96
Upfront costs
$7,164
8-year cost
$129,472
Customer score
Third Federal Savings and Loan 30 Year Fha Refinance
NMLS #449401
RateRate as of 9/2/26
6.490%
APRAPR
7.052%
Monthly paymentMonthly payment
$1,777
Points
0
Upfront costs
$4,620
8-year cost
$130,033
Customer score
Real Genius 30 Year Fixed Refinance
NMLS #2389303 | State Lic: RM.804955.000
RateRate as of 9/2/26
6.250%
APRAPR
6.459%
Monthly paymentMonthly payment
$1,626
Points
1.677
Upfront costs
$5,722
8-year cost
$130,672
Customer score
Sage Home Loans 30 Year Fixed Refinance
NMLS #3304 | State Lic: RM.850026.000
RateRate as of 9/2/26
6.250%
APRAPR
6.470%
Monthly paymentMonthly payment
$1,625
Points
1.721
Upfront costs
$6,037
8-year cost
$130,988
Customer score
Mutual of Omaha Mortgage 30 Year Fha Refinance
NMLS # 1025894
RateRate as of 9/2/26
6.250%
APRAPR
7.064%
Monthly paymentMonthly payment
$1,735
Points
1.612
Upfront costs
$11,114
8-year cost
$131,444
Customer score
Loandepot 30 Year Fixed Refinance
NMLS #174457
RateRate as of 9/2/26
6.375%
APRAPR
6.597%
Monthly paymentMonthly payment
$1,647
Points
1.645
Upfront costs
$6,038
8-year cost
$133,633
Customer score
New American Funding 30 Year Fixed Refinance
NMLS #6606
RateRate as of 9/2/26
6.625%
APRAPR
6.877%
Monthly paymentMonthly payment
$1,691
Points
1.617
Upfront costs
$6,768
8-year cost
$139,138
Customer score

Showing 12 of 18

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.

How Bankrate works

Woman looking for rates
01

Compare mortgage offers

Most lenders show one rate: theirs. We show offers from multiple lenders competing for your loan, so you can compare and find a better one.

02

Get rates based on your information

Answer a few quick questions so lenders can show rates tailored to you, not generic numbers.

03

Review your options

See your top offers and choose which lenders to hear from — only those lenders will contact you.

Table of contents

Weekly national mortgage interest rate trends

Current refinance rates  

30 year fixed FHA refinance 6.34%

FHA refinance rates today

Product Interest Rate APR
30-Year FHA Rate 6.79% 6.83%
30-Year Fixed Rate 6.87% 6.94%
20-Year Fixed Rate 6.70% 6.84%
15-Year Fixed Rate 6.22% 6.31%
30-Year VA Rate 6.23% 6.34%

Rates as of Wednesday, September 02, 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

How to get the best FHA refinance rate

  1. 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.
  2. Improve your debt-to-income (DTI) ratio. Generally, the lower your DTI ratio, the better your rate.
  3. 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

Meet our Bankrate experts

Jeff Ostrowski
Written by
Jeff Ostrowski Jeff Ostrowski Arrow Right Icon
Writer and Housing Market Analyst
Read more from Jeff
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.
Ribbon Icon
Expertise
  • Mortgages
  • Mortgage refinancing
Alice Holbrook
Edited by
Alice Holbrook
Editor, Home lending

Mortgage rates in other states