FHA mortgage insurance premiums have just been lowered from 0.85% to 0.55%. That means average savings of $800 a year. With an FHA loan, you can get a great mortgage rate even without perfect credit with as low as 3.5% down. We are better, quicker, and local mortgage brokers located in in Fairfield, California. We offer low mortgage rate options for a purchase loan or refinance. We serve all of California. Call us or visit our website to learn about getting pre-approved or refinance options.