Home At Last™ Daily Rates

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Loan rates shown are effective October 17, 2019.

FHA, VA, USDA-RD 30-Year Fixed Rate Loans

Borrower Assistance Loan Rates Loan Types FICO Requirements
0.00% 3.375% FHA, VA, USDA-RD 640
2.00% 4.000% FHA, VA, USDA-RD 640
3.00% 4.875% FHA, VA, USDA-RD 640
4.00% 5.000% FHA, VA, USDA-RD 640
5.00% 6.000% FHA, VA, USDA-RD 640

CONVENTIONAL 30-Year Fixed Rate Loans

Borrower Assistance Freddie Mac
HFA Advantage
Fannie Mae
HFA Preferred
80% AMI or Less
Fannie Mae
HFA Preferred
OVER 80% AMI
FICO Requirements
0.00% 4.125% 4.125% 4.500% 640
1.00% 4.375% 4.625% 5.000% 640
2.00% 4.875% 4.875% 5.375% 640
3.00% 5.000% 5.250% 5.625% 640
4.00% 5.125% 5.500% 5.875% 640
5.00% 5.750% 5.750% N/A 640

NOTE: Manufactured home government loans require a minimum 680 FICO score.

PLEASE NOTE: In accordance with USDA Handbook 3555-1, Chapter 7.3.B, USDA RD Guaranteed loans have an interest rate cap limited to 100 basis points (1.00 percentage point) over the following: Current Fannie Mae yield for 90-day delivery (actual/actual) for 30-year fixed rate conventional loans, rounded up to the nearest one-quarter of 1 percent. CLICK HERE to view the Fannie Mae website used to calculate the cap. The Home At Last interest rates offered for USDA loan options are confirmed to meet USDA guidelines each morning.