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	Mortgage Rates FHA 15 Year Fixed Loan FHA, also known as the Federal Housing Administration, operates under the control of the Department of Housing and Urba n Development (HUD) and has the primary responsibility for administering the government home loan insurance program. This program allows buyers who might otherwise not qualify for a home loan to obtain one because the risk is removed from the lender by FHA. This FHA loan is fixed for 15 years and after that becomes due and payable. You can avoid that by refinancing your FHA loan. SEARCH CURRENT MORTGAGE RATES