Skip to main content
Important Information for Android Users — We are aware of an issue that prevents some Android users from logging into the Elements Mobile App. Learn more.

FHA Loan

For lower interest rates and less-stringent approval requirements.

Apply Now Call for Rates 1-800-561-9433

Continue Existing Application Make a Loan Payment

FHA Loan Interest Rate  APR  Points  Monthly Payment Loan Term (Months)
30 Year Fixed 4.500% 5.547% 0.0 $1,222.00 360
15 Year Fixed 4.500% 5.540% 0.0 $1,846.00 180

FHA Mortgage Rates effective as of December 12, 2018. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 740 or greater and 96.5% Loan-to-Value (LTV) and are based on loans secured by property in the state of Indiana. The actual interest rates and APRs available to you may vary based on your credit score, LTV ratio and other factors, and may be higher than those displayed here. Rates, closing costs and points may vary by property location, loan type and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. Example Monthly Payments based on a purchase price of $250,000, FICO® score of 740 or greater, and 3.5% or more down payment, and loan amount of $241,250; they do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. Rates are subject to change without notice. Some restrictions may apply.

FHA Loan

An FHA loan is a mortgage issued by federally qualified lenders and insured by the Federal Housing Administration (FHA). FHA loans are designed for low-to-moderate income borrowers who are unable to make a large down payment.


  • Government-backed, fixed-rate loan
  • May be a good fit if you have less than perfect credit and don’t have enough for the standard 5-20% down payment
  • Trade-off: Rates are generally slightly higher than conventional loans


Our experienced, helpful member service team is ready to support you!


Live Chat

Chat Available Mon-Fri, 8 am-5 pm Eastern