Home Mortgage Loans

Prequalify online in minutes.

Find out how much you may be able to borrow. It's fast and free, and it won't affect your credit score.

Prequalify

Today's Mortgage Rates


Calculate My Payment More Loan Options

First-Time Homebuyer Help

Is buying better than renting? Can I afford a house? And how does my credit score affect my rate?

We answer some common questions asked by first-time homebuyers.

Find Answers

Mortgage Calculators

Use these mortgage calculators to estimate your monthly payment, find out how much house you can afford, and more.

See All Mortgage Calculators

Already a Customer?

Current customers: Log in to make payments, set up autopay and more. We also offer mortgage help and repayment options.

Log In to Mortgage Account

Customer Service: 800-365-7772


Equal Housing Lender

Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rate and program terms are subject to change without notice.

The rates shown above are indicative of the current rates for the purchase of a single-family primary residence based on a 60-day lock period. These rates are not guaranteed and are subject to change. This is not a credit decision or a commitment to lend. Your guaranteed rate will depend on various factors including loan product, loan size, credit profile, property value, geographic location, occupancy and other factors.

To guarantee a rate, you must submit an application to U.S. Bank and receive confirmation from a mortgage loan originator that your rate is locked. Application can be made by calling 877-303-1639 or by meeting with a mortgage loan originator.

Minnesota residents: To guarantee a rate, you must receive written confirmation as required by Minnesota Statute 47.2061. This statement of current loan terms and conditions is not an offer to enter into an interest rate or discount point agreement. Any such offer may be made only pursuant to subdivisions 3 and 4 of Minnesota Statutes Section 47.206.

Conforming Fixed-Rate Loans - APR calculation assumes a $150,000 loan with a 20% down payment and borrower-paid finance charges of 0.862% of the loan amount, plus origination fees if applicable. If the down payment is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Conforming rates are for loan amounts not exceeding $417,000 ($625,500 in Alaska and Hawaii).

Conforming ARM Loans - APR calculation assumes a $150,000 loan with a 20% down payment and borrower-paid finance charges of 0.862% of the loan amount, plus origination fees if applicable. If the down payment is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Conforming rates are for loan amounts not exceeding $417,000 ($625,500 in Alaska and Hawaii). Adjustable-rate loans and rates are subject to change during the loan term. That change can increase or decrease your monthly payment.