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SHOPPING SUPER MALL What you should know about an FHA loan Refinances made up 18% of all FHA loans and 31% of all conventional loans in November 2018, according to Ellie Mae. If you’re thinking of refinancing your existing mortgage, here’s what you need to know about your options. If you currently have an FHA loan, you might consider an FHA Streamline refinance.Rising Mortgage Rates Put Home Buyers in Hot Seat A good rule-of-thumb when knowing if you can afford a house is to determine if you can pay a 15 year fixed rate mortgage payment (principal, interest, taxes, and insurance) on less than 25% of your monthly take home.