FHA

Government-backed FHA and VA mortgage rates edged slightly higher today, September 28, 2026. Lenders reporting the daily move note the increase is modest, but borrowers using these low-down-payment programs are watching rates closely as affordability remains a top concern in the housing market. Buyers and homeowners weighing refinancing decisions continue to track daily rate changes amid ongoing uncertainty about the direction of mortgage pricing.

Mortgage rates for FHA and VA loans rose by roughly a tenth of a percentage point on September 30, reaching 7.11% to 7.14%. The uptick means higher monthly payments for homebuyers relying on these government-backed loans, and it adds to concerns about affordability as borrowing costs remain near elevated levels. Prospective buyers and industry watchers are keeping a close eye on whether rates will stabilize or continue rising.