U.S. Bank Mobile App

• Personal spending tracker
• Savings goal tracker
  
  - Return to Main Menu
• Wealth Management
  
  - Explore Wealth Management - Return to Explore Wealth Management
• Explore Wealth Management
  
  - Explore Wealth Management
  
  - Return to Our services
• Our services
  
  - Explore our services
• Investment management
• Wealth planning
• Trusts & estates - Banking
• Insurance
• Charitable giving
  
  - Return to Investing
• Investing
  
  - Explore all investing options
• Investment management
• IRA
• Online investing
  
  - Return to Your goals
• Your goals
  
  - Explore all financial goals
• Plan for retirement
• Fund an education
• Pay for a major life event or purchase
• Leave a legacy
  
  - Return to Advisors & wealth teams
• Advisors & wealth teams
  
  - Explore our personalized guidance
• Find a financial advisor or wealth specialist
  
  - Return to Private Wealth Management
• Private Wealth Management
  
  - Explore Private Wealth Management
• Our approach
• Leadership team
• Client groups & featured professions
• Find a financial advisor or wealth specialist
• Find an office
• Financial perspectives
  
  - Return to Ascent Private Capital Management®
• Ascent Private Capital Management®
  
  - Explore Ascent
• Leadership team
• Ascent services
• Family office services
• Clients & partners
• Regional teams & offices
• Financial perspectives
  
  - Return to Financial perspectives
• Financial perspectives
  
  - Explore financial perspectives
• Market news
• Investing insights
• Financial planning
• Retirement planning
• Trust & estate planning
  
  - Return to Main Menu
• Business
  
  - Explore business banking - Return to Explore business banking
• Explore business banking
  
  - Explore business banking
  
  - Return to Business bank accounts
• Business bank accounts
  
  - Explore all business bank accounts
• Business checking accounts
• Business savings & money market accounts
• Business CDs
  
  - Return to Business credit cards
• Business credit cards
  
  - Explore all business credit cards
• Triple Cash Rewards Visa® Business Card
• Business Platinum Card
• Business Altitude® Connect Visa Signature® Card
• Business Altitude® Power Visa Signature® Card
• Business Leverage® Visa Signature® Card
• Spend Management
• Pay over time
  
  - Return to Business lending
• Business lending
  
  - Explore all business lending
• Business loans
• Business lines of credit
  
  - Return to Business services
• Business services
  
  - Explore all business services
• Pay and transfer funds
• Cash management
• Payroll services
• Business prepaid cards
• Business gift cards
  
  - Return to Payment solutions
• Payment solutions
  
  - Explore all payment solutions
• In-person payments
• POS hardware
• Online payments
• POS lending
• Solutions by industry
  
  - Return to Industry expertise
• Industry expertise
  
  - Explore all industries
• Agriculture
• Healthcare
• Nonprofit
• Manufacturing
• Personal services
• Professional services
• Restaurant
• Retail
• Trade contractors
  
  - Return to Resource center
• Resource center
  
  - Explore all business resources
• Diverse business resources
• Business life stages
• Online banking
• Mobile banking
  
  - Return to Main Menu
• Corporate & Commercial
  
  - Explore corporate & commercial - Return to Explore corporate & commercial
• Explore corporate & commercial
  
  - Explore corporate & commercial
• Why choose us
• Contact us
  
  - Return to Solutions
• Solutions
  
  - Explore our solutions
• Capital markets
• Credit & financing
• International services
• Liquidity & investments
  
  - Return to Treasury & payments
• Treasury & payments
  
  - Explore payment solutions
• Corporate payment services
• Treasury management
• Embedded payments
• Payment processing
• Digital channels
  
  - Return to Industries
• Industries
  
  - Explore industry expertise
• Aerospace & defense
• Aviation
• Commercial real estate
• Financial institutions
• Healthcare
• Public sector banking
• Transportation
• Travel & hospitality
  
  - Return to Insights
• Insights
  
  - Explore our insights
• Credit and finance
• Economic commentary
• Institutional investing
• International
• Payments
• Reports and research
• Risk and regulation
• Newsletter subscription
  
  - Access accounts
• Client support
  
  - Return to Main Menu
• Institutional
  
  - Explore Institutional - Return to Explore Institutional
• Explore Institutional
  
  - Explore Institutional
• U.S. Bancorp Asset Management, Inc.
• Contact us
  
  - Return to Global Corporate Trust
• Global Corporate Trust
  
  - Explore Global Corporate Trust
• Collateralized loan obligations (CLO)
• Corporate escrow services
• Corporate finance services
• Default services
• Document custody services
• Money market services
• Public finance services
• Structured finance services
  
  - Return to Global Fund Services
• Global Fund Services
  
  - Explore Global Fund Services
• Alternative investment solutions
• Exchange traded funds and products
• Global asset manager solutions
• Mutual fund solutions
• Private equity fund solutions
• Registered investment advisor solutions
  
  - Return to Trust & custody
• Trust & custody
  
  - Explore trust & custody
• Cash liquidity management
• Employee benefits services
• Trustee services
• Reinsurance trust services
  
  - Return to Account login
• Account login
  
  - Access accounts
• Pivot client portal
  
  - Location
• Locations
• Branch
• Branches
• ATM locations
• ATM locator
  
  Estás ingresando al sitio de U.S. Bank en español
  
  - Home loans /
• Mortgage loans /
• Conventional fixed-rate mortgages /
• 30-year fixed mortgage rates
  
  30-year fixed mortgage rates
  
  Today’s 30-year fixed mortgage rates1
  
  Prequalify to see how much you might be able to borrow, start your application or explore 30-year fixed mortgage rates and features. Not what you’re looking for? See current refinance rates instead.
  
  Check out current rates for a 30 fixed-rate loan.
  
  These rates and APRs are current as of $date and may change at any time. They assume you have a FICO® Score of 740+ and a down payment of at least 25%, that the loan is for a single-family home as your primary residence and that you will purchase up to one mortgage point.
  
  Mortgage points, or discount points, are a form of prepaid interest you can choose to pay up front in exchange for a lower interest rate and monthly payment. One mortgage point is equal to about 1% of your total loan amount, so on a $250,000 loan, one point would cost you about $2,500. Connect with a mortgage loan officer to learn more about mortgage points.
  
  Learn how these rates and APRs are calculated. Plus, see a conforming fixed-rate estimated monthly payment and APR example. Get more details.
  
  Fixed-rate mortgage calculator
  
  Get an estimate of your monthly mortgage payment with our mortgage calculator.
  
  Ready to buy the home you love?
  
  Step 1
  
  Get prequalified for a basic estimate of what you may be able to borrow.
  
  Step 2
  
  Start your application if you’ve found a home you love.
  
  Get answers to common questions.
  
  What is a 30-year fixed-rate mortgage?
  
  A 30-year fixed-rate mortgage is the most common mortgage loan option. It has a repayment period of 30 years and the interest rate doesn’t change throughout the life of the loan.
  
  What are the benefits of a 30-year fixed mortgage?
  
  Here are the main advantages of a 30-year fixed mortgage. Contact one of our experienced U.S. Bank mortgage loan officers to learn more.
  
  Predictability: You’ll be able to lock the interest rate on your mortgage for the entire 30-year term so you know what to expect, unlike an adjustable-rate mortgage (ARM) that has a variable interest rate. Smaller monthly payments: You’re able to spread the repayment of your loan over a longer period of time so your monthly payment is smaller. Qualify for a larger mortgage: With a 30-year fixed, your monthly payment is a smaller percent of your total monthly income. With a lower ratio, you may qualify for a larger mortgage. Flexibility: A smaller monthly payment gives you more flexibility to decide what to do with your money. Plus, you can make a larger payment any time without incurring penalties.
  
  Is a 30-year fixed mortgage right for you?
  
  A fixed-rate mortgage with a 30-year term may be a good option for you if you:
  
  - Want to keep your monthly payment low without giving up the stability of a fixed rate
  
  - Want to get approval for a larger loan
• Plan to stay in your home for the long-term
  
  U.S. Bank offers a variety of loan terms and options. Our mortgage loan officers are dedicated to helping you understand and choose the option that’s best for you.
  
  Take the next step
  
  Disclosures
  
  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.
  
  1. Conforming fixed-rate loans: The annual percentage rate (APR) calculation assumes a $464,000 fixed-term loan with a 25% 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 $806,500 ($1,209,750 in Alaska and Hawaii).
  
  2. 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. The APR may be increased after the closing date for adjustable-rate mortgage (ARM) loans.
  
  The rates shown above are the current rates for the purchase of a single-family primary residence based on a 45-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 final rate will depend on various factors including loan product, loan size, credit profile, property value, geographic location, occupancy and other factors.
  
  To lock a rate, you must submit an application to U.S. Bank and receive confirmation from a mortgage loan officer that your rate is locked. An application can be made by calling 888-291-2334, by starting it 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.
  
  Calculators are provided by Leadfusion. This calculator is being provided for educational purposes only. The results are estimates that are based on information you provided and may not reflect U.S. Bank product terms. The information cannot be used by U.S. Bank to determine a client’s eligibility for a specific product or service. All financial calculators are provided by the third-party Leadfusion and are not associated, controlled by or under the control of U.S. Bank, its affiliates or subsidiaries. U.S. BANK is not responsible for the content, results, or the accuracy of information.
  
  Equal Housing Lender
  
  Before you go, be sure you know:
  
  This link takes you to an external website or app, which may have different privacy and security policies than U.S. Bank. We don’t own or control the products, services or content found there.
  
  Your privacy choices
  
  Opt out of behavioral advertising.
  
  Something went wrong. Please try again later.
  
  Please enter a valid email address.
  
  You have successfully opted out.
  
  We use tracking technologies, such as cookies, to gather information that helps us understand how visitors interact with our website. We also use this information to deliver advertising on our site and other sites. To opt out of these tracking technologies on our site, select the “Opt out” button.
  
  We use your email address to advertise to you on third-party platforms such as search results and social media sites. To opt out of this behavioral advertising, enter your email address in the “Email address” field and then select the “Opt out” button.