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QUICK ANSWER — Current FHA mortgage rates start at 5.625% for a 30-year fixed, 5.250% for 15-year fixed, and 5.500% for FHA Streamline. FHA rates from 5.750%. Conventional from 5.990%. Valley West Mortgage updates rates daily from 50+ wholesale lenders. Zero application fees. NMLS #65506.
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FAQ

Questions? Answered.

Use the 28/36 rule: housing costs should not exceed 28% of gross income, total debts under 36%. FHA allows up to 57% DTI. A $80K income can afford approximately $380K-$430K.

Yes. FHA payments include principal, interest, and monthly MIP (0.55% annually). Add approximately $400/month for property taxes and insurance.

Start with 3.5% — the FHA minimum. If you have more saved, try 5% or 10% to see how a larger down payment reduces your monthly payment.

It provides close estimates based on current rates. Your actual payment depends on your credit score, property taxes, insurance, and HOA fees. Apply for exact numbers.

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FHA rates from 5.750%
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THE RULE

FHA Affordability Rules

28%
Housing Ratio

Your total housing payment (P&I + taxes + insurance + MIP) should not exceed 28% of gross monthly income.

43%
Total Debt Ratio

All monthly debts (housing + car + cards + student loans) should not exceed 43% of gross income. FHA allows up to 57% with compensating factors.