Get A Morgage Quote The refinance rate quotes do not include “cash out” loan scenarios. lending services are not available in all areas. virginia residents please note that while a mortgage refinance may reduce your current monthly mortgage payment it may also add additional time to your current term and therefore the total finance charges could be higher.Fha Rates 30 Year Fixed Fha Refi Loans FHA loans also are approved quickly these days; gone are the days when gaining approval for an FHA loan took months. Today, lenders are able to approve these government-insured loans in days. FHA mortgage rates hew closely to the mortgage rates on traditional home loans.