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Conventional Loans Versus Fha Loans Conventional fha loans current fha Refinance Rate Current Mortgage Rates & Home Loans | Zillow – compare current rate quotes from dozens of lenders, all in one place.. but adjustable rate mortgage (ARM) and 15-year fixed loans offer lower rates. If you’re ok with the higher monthly payment of the 15-year fixed loan or the possibility of your rate changing with the ARM, one of these loan.