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Fha Apr Rate Their originations are 57 percent fha loans, 40 percent VA loans. they would have to pay an additional 7 basis points per year in interest rates to cover this risk. This would increase the monthly.Current Fha Loans Current Fha Loan Interest Rates Spread out your payments over up to 30 years, or pay your home off sooner with a variety of loan terms. You can choose repayment terms from 10 to 30 years. Lock in your interest rate and reduce your exposure to changes in the economy.Fha Interest Rates Credit Score Estimating interest rates based on your credit score can be more difficult for personal loans. While average interest rates vary about six percent between the highest and lowest qualifying scores with some lenders, they can vary as much as 20 percent or more with other lenders.