30 Yr Fixed Mortgage Rate Trends Is 4.5 A Good Mortgage Rate Is 4.5% a good Mortgage rate for FHA loan? : personalfinance – I would wait until you can show rent as income on a tax return before you try to refinance. Like others said, 4.5% is not a bad rate all things considered, the best rates out there for FHA loans are like 3.5% or higher. My wife and I bought a cheaper home recently with income similar to yours and we got a rate just under 4%.commercial mortgage rate calculator Commercial Mortgage Calculator – A commercial mortgage calculator is used to calculate the monthly payment on a commercial mortgage loan. Use can use the rates and calculator below to estimate your monthly payment. For an exact quote based on your specific needs, please call us at 877-548-9454 or click Get Free Quote .