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Federal Housing Administration (FHA)

The Federal Housing Administration is a federal agency that insures residential mortgage loans made by private lenders and sets standards for underwriting mortgage loans. The FHA, which is part of the U.S. Department of Housing and Urban Development, does not lend money or plan or construct housing.

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Based on Quicken Loans internal data.

The payment on a $200,000 30-year fixed-rate loan at 3.875% with a 70% loan-to-value ratio is $940.48 with .25 points due at closing. The annual percentage rate (APR) is 3.968%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. By refinancing your existing loan, the total finance charges may be higher over the life of the loan. Some state and county maximum loan amount restrictions may apply.