FHA Mortgage Rates Today, Nov. 19, 2025: Key Figures for Aspiring Homeowners

As of November 19, 2025, the benchmark 30-year fixed FHA mortgage rate is hovering in the ballpark of 5.875% to over 6%. This provides promising news for many aspiring homeowners looking to get into their dream homes, especially those who might not have a perfect credit score. FHA loans continue to be a fantastic pathway to homeownership, offering more accessible terms for a wider range of buyers. For those who’ve been dreaming of planting roots, understanding these numbers is your first big step toward making that dream a reality. Let’s dive in!

FHA Mortgage Rates Today, Nov. 19, 2025: Key Figures for Aspiring Homeowners

Understanding the Numbers for FHA Loans This November

When we talk about current FHA mortgage rates November 19, 2025, it’s important to look at the specifics. Based on the latest information I've seen, the national average for a 30-year fixed FHA loan is approximately 5.93% to 6.12%. For instance, Zillow Home Loans is quoting a 30-Year FHA Rate of 5.875% with an APR of 6.563%, which includes points costing around 1.741% or $4,787.75. This gives you a concrete example of what one lender might offer.

It’s not just about buying; if you're looking to refinance your existing FHA loan, the average rate sits a bit higher, around 6.66%. This variation is pretty standard, as refinancing often involves different risk assessments by lenders.

Table: Snapshot of FHA Mortgage Rates (November 19, 2025)

Loan Type	Estimated National Average Rate	Example Lender Rate (Zillow)
30-Year Fixed FHA	5.93% – 6.12%	5.875%
30-Year FHA Refinance	~6.66%	N/A

Remember, these are averages and examples. Your actual rate will depend on a few key factors we’ll discuss next.

What Actually Shapes Your FHA Mortgage Rate?

It’s easy to get caught up in just the headline rate, but a lot more goes into determining what you’ll pay. Think of it like ordering a custom meal – the basic ingredients are there, but the chef (lender) adds their own flair and adjusts based on your preferences and what’s available.

Here are the big players that influence your FHA mortgage rate:

• Your Credit Score: The VIP Pass: This is probably the biggest factor. As a general rule, the better your credit score, the lower your interest rate will be. For FHA loans, lenders look for scores that are typically above 580 to qualify for the lowest down payment of 3.5%. If your score is a bit lower, you might still qualify, but expect your rate to be higher, and you'll likely need a larger down payment.
• The Amount of Your Down Payment: More Skin in the Game: While FHA loans are famous for their low down payment options (as little as 3.5% for those with a credit score of 580 or higher), putting down more cash can positively impact your rate. A larger down payment signals less risk to the lender.
• The Economic Pulse: Market Conditions: The overall health of the economy and decisions made by the Federal Reserve play a huge role. When the economy is humming and interest rates are generally low, mortgage rates tend to follow suit. Conversely, when things get tight, rates can climb.
• The Lender's Business: Different Banks, Different Rates: Every lender is a business, and they have their own pricing structures, operational costs, and risk appetites. That’s why it is absolutely crucial to shop around. Getting quotes from multiple lenders can save you thousands of dollars over the life of your loan. Don't just go with the first place you talk to!

Beyond the Rate: Important Considerations for FHA Loans

I've been in this space long enough to know that the advertised interest rate isn't the whole story, especially with FHA loans. There are a couple of significant points you need to be aware of that can affect the overall cost of your home loan.

• Mortgage Insurance Premiums (MIP): The FHA's Safety Net: This is a big one. FHA loans require you to pay for mortgage insurance. This protects the lender if you were to default on the loan. There are two parts to this:
  • Upfront Mortgage Insurance Premium (UFMIP): You pay this once, at closing. It's typically 1.75% of the loan amount.
  • Annual Mortgage Insurance Premium (MIP): This is paid monthly. The amount varies based on your loan term and loan-to-value ratio, but it's an ongoing cost.
  • Why this matters: These premiums are added costs that you don't typically see with conventional loans (unless you put down less than 20%).
• Comparing Apples to Apples: FHA vs. Conventional: For borrowers with strong credit scores and decent down payments, it’s always wise to compare FHA loans with conventional mortgages. Sometimes, even with a lower interest rate, the added cost of FHA mortgage insurance can make a conventional loan a more affordable option in the long run. I always advise my clients to look at the total cost – including interest, fees, and insurance – before making a decision.

My Take: Is an FHA Loan Right for You This November?

From my perspective, the current FHA mortgage rates November 19, 2025, present a compelling opportunity for a specific group of homebuyers. If your credit score is in the range of, say, 500 to 650, or if you're finding it challenging to save up a large down payment, an FHA loan is a clear frontrunner. They are specifically designed to open the door to homeownership for people who might otherwise be shut out of the market.

However, if you have a strong credit score (think 700+) and a down payment of 10% or more, it’s worth your time to do the detailed math. You might find that a conventional loan, even with a slightly higher interest rate initially, could be cheaper over time due to the absence of those mandatory mortgage insurance premiums.

Ultimately, the best path forward is always done with careful consideration. Get pre-approved, talk to experienced loan officers, and understand all the costs involved. Your homeownership journey is significant, and being well-informed is the first step to a successful and financially sound purchase.

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• Buying a home? Explore FHA mortgage rates for Nov 19, 2025. Learn about rates, insurance, and if it's the right choice for you.

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• Current FHA Mortgage Rates: November 19, 2025 Outlook and Buyer Guide

Getting the best FHA mortgage rates in 2025 is all about being prepared, doing your homework, and shopping around. Focus on improving your credit score and lowering your debt-to-income ratio. Don’t be afraid to negotiate with lenders!