Mortgage Rates

If you're looking for some of the best mortgage rates around, you've come to the right place.

Wholly owned by TruStone Financial Federal Credit Union, Mortgage Lending Services is proud to offer competitive products and rates that rival even the largest financial institution. Whether you're looking to refinance an existing loan or purchase your next home, our knowledgeable experts will help you every step of the way.

Purchase
Refinance

Category // Fixed Loans

Rates, terms and fees as of December 12, 2017 are subject to change without notice.
Loan TypeRateAPR1
30-year Fixed Rate - MN*4.000%4.136%
30-year Fixed Rate - WI**4.000%4.149%
30-year Fixed Rate4.000%4.136%
FHA 30 Year Fixed3.625%3.758%
20-year Fixed Rate3.875%4.063%
15-year Fixed Rate3.375%3.613%
10-year Fixed Rate3.375%3.721%

Category // Adjustable Loans^

Rates effective December 12, 2017 and subject to change without notice.
Loan TypeRateAPR1
Conforming3.630%3.697%
Non-Conforming4.380%4.450%
Fresh Start5.680%5.755%

¹APR = Annual Percentage Rate

Minnesota
*Assumes a 1% origination fee, minimum loan amount of $250,000 and a 30-day rate lock period. Purchase rates are based on the purchase of a single family, primary residence, a credit score of 740 and assumes the loan will have an escrow account.

Wisconsin
**Assumes a 1% origination fee, minimum loan amount of $200,000 and a 30-day rate lock period. Purchase rates are based on the purchase of a single family, primary residence, a credit score of 740 and assumes the loan will have an escrow account.

5/1 Adjustable Rate Mortgages (ARM)
^Product offering is for 1st mortgage lien position. Rate is based on credit history, loan term and loan-to- value. Loan is subject to credit approval with acceptable form of collateral. Rate is variable based on 5-year Treasury rate plus a margin and is an initial five-year fixed interest rate, followed by a rate that adjusts on an annual basis. Maximum rate adjustment per year is 2% with a life-of-loan maximum of 6%. Amortized loan terms available up to 30 years.

General Disclosures
The displayed APR for the loan products shown reflects the interest rate and approximate cost of prepaid finance charges, including the origination charge, but does not include all closing costs. The actual fees, costs and monthly payment on your specific loan transaction may vary and may include additional fees and costs. TruStone membership required unless participating in MAP program.
Loan payment example: a $200,000 first mortgage loan at 3.566% APR for 360 months (30 years) will have a monthly payment of $905. if the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowners insurance, flood insurance (if applicable), or property taxes which much be paid in addition to your loan payment

Rates are not an offer to enter into a commitment to make a mortgage loan. Such agreements can only be made pursuant to MN Statute 47.206, subdivision 3 and 4.