This list is for FHA borrowers who want to see real pricing from more than one source without a pile of hard credit inquiries or a week of sales calls. The tools below were chosen on three points: how clearly they show FHA-specific pricing, how transparent the quote process is, and how openly the company says what it needs from you before it shows a rate. A rate comparison tool is only useful if the quotes it produces can be lined up against each other, so the first thing to settle is what “comparable” means. The CFPB’s Loan Estimate explainer is the reference point used throughout.
Quick Comparison of FHA Rate Options
- Duane Buziak: FHA borrowers who want a human-led comparison across lenders; starting price listed on the website; compares FHA pricing from 500+ wholesale lenders using a NoTouch Credit Pull (soft pull).
- Rocket Mortgage: borrowers who want to do everything online; pricing listed on the website; the most polished fully digital application and closing flow on this list.
- Movement Mortgage: buyers who want a local loan officer with national reach; pricing listed on the website; pairs a local loan officer model with an online application.
- NFM Lending: borrowers wanting one more branch-based quote; pricing listed on the website; a branch-level loan officer network (confirm details with the company).
- Sparrow Home Loans: borrowers collecting one more personalized quote; pricing listed on the website; a quote-based, loan-officer-guided process (confirm details with the company).
- CF Mortgage Corp: borrowers comparing a regional lender’s FHA quote; pricing listed on the website; direct loan officer quoting (confirm details with the company).
What Makes Two FHA Quotes Comparable
A rate on its own tells you very little. Two FHA quotes are only comparable when the discount points, lender credits, APR, and mortgage insurance match, and when both were priced on the same day for the same loan amount and credit profile. The Loan Estimate is built for exactly this: every lender must use the same three-page format, so you can compare line by line.
FHA mortgage insurance, stated precisely
Every FHA purchase loan carries an upfront mortgage insurance premium (UFMIP) of 1.75% of the base loan amount, per HUD Mortgagee Letter 2015-01. Annual MIP depends on tier. For the most common tier, a 30-year term with a loan-to-value above 95% and a base loan up to $726,200, the annual rate is 0.55% (HUD Mortgagee Letter 2023-05). Other terms, LTVs, and loan sizes sit in different tiers, so do not assume 0.55% applies to you. Confirm current figures at hud.gov, as premiums can change.
For 2026, HUD’s one-unit FHA loan limits run from a floor of $541,287 to a ceiling of $1,249,125 (HUD Mortgagee Letter 2025-23). Your county determines which limit applies, so check it before you compare.
A worked illustration
Suppose you buy a $300,000 home in Henrico County, Virginia, with 3.5% down ($10,500). The base loan is $289,500, and the loan-to-value is 96.5%, so the 0.55% tier applies on a 30-year term.
- UFMIP at 1.75%: $5,066.25, typically financed into the loan.
- Annual MIP at 0.55% of $289,500: about $1,592 a year, roughly $133 a month.
- Property tax at Henrico’s published rate of $0.85 per $100 of assessed value (henrico.us; confirm the current rate before relying on it): $2,550 a year, about $212.50 a month.
Those three lines are identical no matter who quotes you. What differs between lenders is the rate, points, credits, and fees, which is why they all have to be held constant when you compare.
Two misconceptions worth clearing up
An advertised rate is not a personal quote. It assumes a credit score, down payment, and points that may not describe you. Also, multiple mortgage inquiries within a short window are generally treated as a single inquiry for credit scoring, but the window length varies by scoring model, so confirm current behavior in the CFPB’s guidance on credit inquiries before you rely on it. Either way, asking each company whether its quote requires a hard or soft pull is a reasonable first question.
1. Duane Buziak
Duane Buziak, through FHA Mortgages by Duane Buziak, is an FHA-focused mortgage broker, not a lender. The business handles FHA purchase mortgages, FHA streamline refinances, and low down payment FHA loans, with eligibility guidance for buyers who are unsure where they stand.
The distinctive piece is the comparison itself. As a broker with access to more than 500 wholesale lenders, Duane Buziak can price your FHA scenario across many sources and put the results side by side, instead of showing you one company’s rate. The Dare to Compare challenge invites you to bring a quote from elsewhere and have it tested. The NoTouch Credit Pull is a soft pull, so you can see pricing without a hard inquiry on your credit report.
- FHA purchase mortgages, priced across multiple wholesale lenders rather than one rate sheet.
- FHA streamline refinance, for current FHA borrowers looking to lower their payment with reduced documentation.
- Low down payment FHA loans, with guidance on how down payment and credit affect your MIP tier.
- FHA eligibility guidance, so you learn before applying whether credit, income, or property issues could block approval.
- No-out-of-pocket closing options, structured where the scenario allows, so you can see what cash you need at the table.
Day to day, you work directly with Duane Buziak rather than a call center. Setup is a conversation plus the usual documents; the business works through its wholesale lender partners, so the processing and closing systems are those of whichever lender wins your file. Specific software integrations are not something to assume.
The limits are real. There is no self-serve online calculator that shows lender-by-lender rates on demand, so if you want to browse anonymously at midnight, this is not that. Licensing covers Virginia, Florida, Tennessee, Georgia, and Washington, DC only. Pricing for the borrower comes through the rate and closing costs on your Loan Estimate; see the website for current details. Rate, points, and credits move with your credit score, down payment, loan amount, and market conditions.
Best for: FHA borrowers wanting a human-led, multi-lender rate comparison.
2. Rocket Mortgage
Rocket Mortgage is a large national lender with a digital application and FHA loan options. It is designed for borrowers who want to handle the process on their own screen, from rate quote through document upload.
What it does best on this list is the digital experience. The application, document upload, and status tracking are built around self-service, which suits buyers comfortable skipping phone calls. Online rate quotes give you a number quickly, though you should read what the quote assumes.
- Online application that lets you start an FHA loan without scheduling a call first.
- FHA loan options for buyers with lower down payments or credit that is still being built.
- Digital document upload that cuts back-and-forth for pay stubs and bank statements.
- Online rate quotes so you can see a starting point before talking to anyone.
The main limitation for a comparison shopper is that you receive Rocket’s pricing only, from one company. A personalized quote may involve a credit pull, so before you submit, check on Rocket’s site whether it is soft or hard and confirm which one applies to you. Borrowers with unusual files, such as variable income or recent credit events, may want more hands-on guidance than a self-serve flow offers.
Setup effort is low if your documents are ready, and you run the process yourself with support available. Integrations are listed on the website. Pricing is not a flat fee: the cost is the rate, points, and closing costs on your Loan Estimate, and those move with credit score, loan size, down payment, and market conditions. See the website for current details.
Best for: Borrowers who want a self-serve digital process.
3. Movement Mortgage
Movement Mortgage, at movement.com, is a national lender that delivers FHA programs through local loan officers. It is designed for buyers who want a named person in their market handling the file, but who also expect to apply online.
The standout here is the pairing of the two models. You get a local loan officer, which helps with questions about your specific county and purchase, plus an online application so you are not stuck with paperwork at a desk.
- FHA loans offered through the company’s program lineup.
- Local loan officers who can walk you through your scenario in person or by phone.
- Online application to start and submit documents on your schedule.
- Rate quote requests, so you can ask for pricing on your scenario and compare it to others.
The limitation to plan for is that rates generally come through a loan officer rather than a public, instant tool, so you should confirm on the site how a quote is delivered. That means a conversation before you see numbers, and it also means asking up front whether pulling your credit is required for that quote. As with any single lender, you see one company’s pricing, and the loan officer you land with shapes your experience.
Setup is moderate: an application, document collection, and a loan officer who runs the day-to-day process. Integrations are on the website. There is no flat price; cost is the rate and closing costs on your Loan Estimate, driven by credit, down payment, and loan size. See the website for current details.
Best for: Buyers who want a local loan officer with national reach.
4. NFM Lending
NFM Lending is a mortgage lender that works through branch-based loan officers. Confirm directly with the company that it offers FHA loans in your state and what its application options are, since those details should be verified rather than assumed.
Its distinguishing feature, as far as this list goes, is the branch-level loan officer network. For a borrower collecting quotes, that means a local branch may be able to discuss your scenario and price it directly. How much each branch can customize is worth asking about.
- FHA loans, which you should confirm are available for your property and location.
- Branch loan officers who can discuss your scenario and quote it directly.
- An online application, if offered for your state; confirm on the website.
The main limitation is that public rate transparency is unconfirmed. Do not expect to see a rate on the site without contacting a loan officer, and ask whether the quote requires a hard credit pull before you provide your information. Like the other single lenders here, you get one company’s pricing, so NFM Lending works best as an additional data point rather than your only source.
Setup effort depends on the branch, and your loan officer runs the file day to day. Integrations are on the website. Pricing is quote-based: cost shows up as the rate, points, and fees on your Loan Estimate, shaped by credit, down payment, and loan amount.
Best for: Borrowers wanting an additional branch-based quote.
5. Sparrow Home Loans
Sparrow Home Loans is a mortgage lender offering home loan options. Whether it offers FHA loans for your situation, and whether it provides any public rate tool, should be confirmed with the company before you count on either.
The approach it appears built around is a personalized, quote-based process with loan officer guidance. That can be useful if your file has wrinkles that an automated tool would misprice, and you want someone to look at the whole picture before giving you a number.
- Home loan options; ask specifically whether FHA is available where you are buying.
- Quote requests, so you receive pricing tailored to your numbers instead of a generic advertised rate.
- Loan officer guidance to talk through your scenario and options.
The limitations are plain: a public rate tool is unconfirmed, so expect to contact the company to get numbers, and its licensing footprint should be checked against the state where you are buying. Ask early whether your quote needs a hard credit pull. Because it is a single lender, treat its quote as one more comparison point.
Setup is a quote request and a conversation, with a loan officer running the file day to day. Integrations are on the website. Pricing is quote-based, and the real cost is the rate, points, credits, and closing costs in the Loan Estimate you receive, which move with credit score, down payment, and loan size.
Best for: Borrowers collecting one more personalized quote.
6. CF Mortgage Corp
CF Mortgage Corp is a mortgage lender offering home loans. As with the two before it, confirm that FHA programs are available for your property and whether any rate tool exists, since neither should be assumed.
The appeal is direct loan officer quoting. For a borrower who has already gathered a few other offers, a regional lender’s FHA quote can show whether the pricing you have is in line or whether someone is padding points or fees.
- Home loan programs; confirm FHA is among them for your purchase.
- Quote requests, so you can get pricing built on your credit score, down payment, and county.
- Loan officer guidance for questions about FHA requirements and the Loan Estimate.
Public rate transparency is unconfirmed, and state coverage should be verified, so confirm you can borrow with them where you are buying before you spend time on it. Ask whether its quote needs a hard credit pull. If you have a thin file or need guidance on eligibility, you may want broader help than a single lender’s quote provides.
Setup is a quote request, with a loan officer running the process day to day. Integrations are on the website. Pricing is quote-based: the cost appears as rate, points, and fees in your Loan Estimate, depending on credit, loan amount, and down payment.
Best for: Borrowers comparing a regional lender’s FHA quote.
Matching the Right FHA Quote Source to Your Situation
For a comparison across lenders that does not put a hard inquiry on your credit, Duane Buziak is the strongest fit. The NoTouch Credit Pull is a soft pull, the 500+ wholesale lender network means you see many pricing sources instead of one, and the Dare to Compare challenge lets you test any quote you already hold. Rocket Mortgage suits the borrower who wants a self-serve digital experience and is comfortable with one lender’s pricing. Movement Mortgage fits a buyer who wants a local loan officer backed by a national company.
NFM Lending, Sparrow Home Loans, and CF Mortgage Corp work best as additional quotes. Whichever you use, request Loan Estimates on the same day, for the same loan amount, so rates, points, lender credits, APR, and mortgage insurance line up. Then compare them line by line, using the CFPB’s explainer if needed.
Ready to take the first step toward homeownership with an FHA loan tailored to your needs? Schedule your free consultation today and discover how our award-winning team can help you navigate the path to your new home with competitive rates and expert guidance. FHA Mortgages by Duane Buziak is a broker, with no-out-of-pocket closing options available where the scenario allows. Call 804-212-8663 or visit 4860 Cox Rd, Glen Allen, VA 23060.
