Today's Mortgage Rates

Calculate your monthly payment based on current mortgage rates.

Popular Loan Rates

A Few Things to Know About These Rates

Underlying Assumptions

These mortgage interest rates assume a few things about you - for example, you have excellent credit (a FICO credit score of 740+) and that you're buying a single-family home as your primary residence. Learn more about these assumptions below.

No Discount Points

Mortgage discount points are not factored into these rates. If you decide to purchase points at closing, your interest rate may be lower than the rates shown here.

Learn more

Rate vs. APR

The Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. That's why a mortgage APR is typically higher than the interest rate - and why it's such an important number when comparing loan offers.

Learn more


Apply now and lock in that rate.

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.

Ready to get started? Our mortgage loan originators can answer all of your home finance questions and help find the mortgage that's right for you. You can also prequalify - which means you'll have a better idea of how much you can afford.

Prequalify Online

Get Started


Meet in Person
Call 877.303.1639 Call 877.303.1639
Request a Call

Find out how much you may be able to spend on your next home.

Prequalify

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.

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.

Jumbo Loans - APR calculation assumes a $500,000 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. Jumbo rates are for loan amounts exceeding $417,000 ($625,500 in Alaska and Hawaii).

FHA Loans - APR calculation assumes a $153,918 loan ($150,000 base amount plus $3,918 for prepaid mortgage insurance) with a 3.5% down payment and borrower-paid finance charges of 0.862% of the base loan amount, plus origination fees if applicable. The monthly payment shown here does not include the FHA-required monthly mortgage insurance premium.

VA Loans - APR calculation assumes a $154,950 loan ($150,000 base amount plus $4,950 VA Funding Fee) with no down payment and borrower-paid finance charges of 0.862% of the base loan amount, plus origination fees if applicable.