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Information About Fha Loans Fha Mortgage Rate Trends Fha home loan rates today The Federal Housing Administration will reduce the rate charged. Analysts at the Urban Institute, in a blog post this week, called on the FHA to "stop overcharging.FHA mortgage rates hew closely to the mortgage rates on traditional home loans. If the average interest rate on a 30-year fixed-rate mortgage stands at 5.4 percent, you can figure that the average FHA mortgage rate is nearly the same. This makes these loans even more attractive.