I see advertisments for 4.25 FHA LoansI have 77% LTV and have only been considering a conventional mortgage. Why are the FHA advertised rates lower? If they truely are would payment be higher on fha vs conventional if borrowing same amount.February 25 2009 - Oklahoma City0YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.