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Fha Home Loans Limits 15 Year Interest Rates Refinance Fixed-rate loans are a great option if you want a monthly payment that won’t change. A fixed interest rate means your rate stays the same for the life of the loan – so your payment will only change if your taxes or insurance premiums do. Many of our clients opt for 30- or 15-year fixed-rate loans. The Lowest RateFha home loans phone number fha-insured loans are designed to help a greater number of potential buyers achieve their dream of owning a home. An FHA Loan is a flexible government-backed home loan program.. closing , we’ re available online, on the phone or face-to-face in your neighborhood branch.