As seen in
For today, 26 Feb, 2026, the national average of 30-year FHA mortgage APR is 3.440%, down compared to last week's of 3.490%. The national average 30-year FHA refinance APR is 3.460%, down compared to last week's 3.520%
What is FHA Loan?
Federal Housing Administration (FHA) loans are federally-backed mortgages designed for homeowners who
may have lower than average credit scores. FHA loans are backed by the Federal Housing Administration,
an agency under the jurisdiction of the Department of Housing and Urban Development. FHA loans are
insured by the FHA, which simply means that organization protects your lender against loss if you
default on your loan. It is the largest insurer of residential mortgages in the world, insuring tens of
millions of properties since 1934.