Home Mortgage Rates

Fixed Rate LoansRates Effective: 12/1/2023

Program Name Rate APR* Monthly Payment
15 Year Fixed6.500%6.745%$1524.44
20 Year Fixed6.625%6.823%$1317.66
30 Year Fixed7.000%7.155%$1164.28
30 Year Fixed - 1% Down Program7.125%7.282%$1179.01
30 Year Fixed Jumbo7.125%7.181%$4892.54
30 Year Fixed - Second Home7.375%7.535%$1609.87
Land Loan - 15 Year8.740%9.013%$1748

Adjustable Rate Mortgage (ARM)Rates Effective: 12/1/2023

Program Name Rate APR* Monthly Payment
10/1 ARM6.625%6.377%$1120.54
7/1 ARM6.375%6.212%$1091.77
10/1 ARM Jumbo6.750%6.399%$4710.12
5/1 ARM6.125%6.139%$1063.32

Government LoansRates Effective: 12/1/2023

Program Name Rate APR* Monthly Payment
30 Year Federal Housing Administration (FHA)7.375%8.502%$1208.68
Veterans Administration (VA)7.375%7.686%$1208.68

*APR = Annual Percentage Rate and monthly payment examples assumes an 80% Loan-to-Value, 780 credit score, and purchase or no cash out refinance. Monthly Principal & interest payment based on loan amount of $175,000 and $726,200 for jumbo loans. Payment estimates do not include taxes and insurance; actual payments may be higher. Maximum loan amount is $1,500,000. Minimum loan amount is $15,000. Property insurance is required. Residential properties located in MN and WI. If the loan does not close, the cost of the appraisal will not be refunded. The stated rates are the lowest available and subject to change at any time without notice. Rates are based on credit history, loan-to-value, occupancy, and other factors so your rate may different.
Adjustable Rate Mortgages (ARM) loans have a variable rate therefore the APR may increase after consummation. Borrower must meet membership requirements to qualify. Other restrictions may apply. See your tax advisor for details regarding interest deductibility.

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