Fha 15 Year Rates Fha Loan Apr One example of a guaranteed loan is a guaranteed mortgage. The third party guaranteeing these home loans in most instances is the Federal Housing Administration (FHA) or Department. the best terms.The lowest average annual mortgage rate on 15-year fixed mortgages since 1991 was 2.66%. This occurred in both late 2012 and in April 2013. As of September 2019, the average 15-year fixed mortgage rate was 3.45%. 15-year fixed Mortgage RatesAbout Our Mortgage Rates. The purpose of this page is to give you an at-a-glance view of a variety of mortgage products and a current snapshot of their respective rates. When shopping for a home loan, it can often be helpful to see today’s rate quotes for a full range of mortgage products in one place for the purposes of a side-by-side.