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Buying a home is a process. We can help.

Navigating the financial side of buying a home can feel overwhelming. U.S. Bank is here to help you make an informed decision when evaluating the various home mortgage loan options. From finding out how much you can qualify for to applying for a mortgage loan and everything in between, we have your back!

See how much you may qualify to borrow.

Online prequalification is fast, free and won’t affect your credit report.

Prequalify

Ready to buy your home?

Start off on the right foot with the support you need in the U.S. Bank Loan PortalSM.

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Find answers to your mortgage questions

 

Get your home-buying questions answered

Can I afford a house? How do I make an offer? What happens at a mortgage closing? Find answers to common home-buying questions.

Find answers

Learn how to apply online

Explore your mortgage options

While a fixed-rate mortgage is popular with many homebuyers, it’s not always the right fit for everyone. Other options include loans for veterans, investment properties and more.

Fixed-rate loans

Compare mortgage options

Find a loan officer near you

An experienced mortgage loan officer is just a phone call or email away, with answers for just about any home-buying question.

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Run the numbers and make a plan

  

Today’s mortgage rates

30-year fixed

2.875%Rate

2.942%APR1

20-year fixed

2.875%Rate

2.971%APR1

10-year ARM

4.250%Rate

3.839%APR1

5-year ARM

3.875%Rate

3.312%APR1

Compare all mortgage rates

Rates are current as of 09/29/2020 and are based on some standard assumptions as described below.

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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. Mortgage, Home Equity and Credit products are offered through U.S. Bank National Association. Deposit products are offered through U.S. Bank National Association. Member FDIC.  Equal Housing Lender

1. Start of disclosure content

   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.

   Return to content, Footnote 1

The rates shown above are 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 officer that your rate is locked. Application can be made by calling 877-303-1639, by applying online, or by meeting with a mortgage loan officer.

Minnesota properties: To guarantee a rate, you must receive written confirmation as required by Minnesota Statute 47.206. 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 - Conforming rates are for loan amounts not exceeding $510,400 ($765,600 in AK and HI). Annual Percentage Rate (APR) calculation is based on estimates included in the table above with borrower-paid finance charges of 0.862% of the base 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 ARM Loans - Conforming rates are for loan amounts not exceeding $510,400 ($765,600 in Alaska and Hawaii). Adjustable-rate (ARM) loans and rates are subject to change during the loan term. That change can increase or decrease your monthly payment.  Annual Percentage Rate (APR) calculation is based on estimates included in the table above with borrower-paid finance charges of 0.862% of the base 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.

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