Buying my first home with FHA Loan

[Emile Petrone]

My goal for next 12 months is to buy my first home and I'm looking at an FHA loan. I currently live in San Francisco, but would look all over the SF Bay area.

 I was just looking at the Zillow Mortgage Calculator, and I'm getting at best 3.6% interest rate - all the way to 4%+ on a $600k property with anywhere from 10-20% down. 

What should I expect for a "good" interest rate? I was expecting something lower than what Zillow is showing. My only debt is $250 a month car loan. Salary is 6 figures. 

Maybe I'm missing something, and I should be doing something different for finding the loan?