FHA Loan Rates vs Conventional Mortgage Rates: Which Path Costs Less Over Time

Learn about FHA vs conventional rates. Compare total loan costs, MIP vs PMI, and find out which mortgage path saves you more money over time.

Learn about FHA vs conventional rates. Compare total loan costs, MIP vs PMI, and find out which mortgage path saves you more money over time.

Portfolio loan rates run 0.5%–1.5% above conventional—but for self-employed borrowers or investors who can't meet agency guidelines, that premium may be worth it.