What are the current rates for a 30 year fixed FHA mortgage? Can you pay discount points?

I am considering a FHA loan. I would like to avoid mortgage insurance if at all possible. Am I allowed to put 20% down or get a piggy back loan for 10-15%? Basically, I’m not sure if a FHA or conventional loan is best. First-time homebuyer Credit = 725ish Pre-qualified for k Probably getting a [...] http://bit.ly/l6m6hV