Review current FHA mortgage rates for January 19, 2021. The table shows FHA rates next to conventional loans so you can see the difference in interest rates, fees, APR and monthly payment. FHA rates vary based on multiple factors including your mortgage program and loan length. We recommend that you change the options in the refine your search menu to view updated FHA rates and monthly payments based on your individual loan amount, loan type, down payment and other inputs. We advise you to contact at least five lenders as shopping for your mortgage is the best way to find the FHA loan with the lowest rate and fees.