Mortgage Loans in Saint Cloud, MN

Federal Funds Rate - Trends & Analysis:

Today’s Fed Funds Effective Rate is 3.75%. This rate has stayed the same compared to 1, 7, 30, 60, and 90 days ago. When the Fed Funds rate is steady, it can help keep mortgage rates stable since banks use this rate to set loan costs.

Credit Union Loan Rates - Trends & Analysis:

Affinity Plus offers a 15-year Conventional fixed rate at 6.125% and a 30-year Conventional fixed and refinance rate at 6.75%. The VA 30-year fixed rate is 7.25%. Adjustable rates include 5-year ARMs at 5.25% and 7-year ARMs at 5.5%, all unchanged from recent weeks. Affinity offers a 15-year conventional fixed rate today at 5.375%, down 13 bp from last week but up 13 bp from a month ago. Their 30-year conventional fixed rate is 6.0%, also down 13 bp from last week and up 13 bp from a month ago. FHA fixed rates are 5.625% for 3-year, 5.75% for 5-year, and 6.0% for 7-year terms, each down 13 bp from last week and up 13 bp from a month ago.

Topline Financial offers a 15-year conventional fixed rate at 5.875%, slightly lower than three weeks ago. Their 30-year conventional fixed rate holds steady at 6.625%. Adjustable rates for 5, 7, and 10 years are also available, with the 5-year ARM at 5.375%, the 7-year at 5.625%, and the 10-year at 5.875%. City & County shows a 15-year conventional fixed rate today at 6.0%, up 13 bp from last week and 25 bp from a month ago. Their 30-year conventional fixed rate is 6.625%, also up 13 bp over seven days and 25 bp over 30 days. For adjustable rates, the 5-year ARM is at 5.5%, rising 13 bp in the past week and 25 bp in the last month, while the 7-year ARM is 5.75%, with the same weekly and monthly increases. The 10-year ARM stands at 6.0%, up 13 bp this week and 25 bp since a month ago.

Consumers offer a 15-year fixed conventional loan at 5.5% and a 30-year fixed conventional loan at 6.625%, down 13 bp from a week ago. Their 30-year fixed jumbo loan is 6.625%, down 25 bp from last week. A5 has a 5-year ARM at 6.0%, unchanged from last week but down 13 bp from a month ago. Northrop Grumman offers adjustable-rate mortgages with 3-year today at 5.5%, 5-year at 5.625%, and 7-year at 6.125%. These rates have held steady over the past week and month.

Navy Federal Credit Union offers a 15-year conventional fixed rate at 5.625% and a 30-year conventional fixed rate at 6.25%, both unchanged from a week ago. The 15-year conventional refinance is 5.625%, up 25 bp from two weeks ago, while the 30-year conventional refinance is 6.25%, up 50 bp over the same period. The 30-year VA fixed rate is 5.75%, steady from last week but down 13 bp from a month ago. The 30-year jumbo fixed rate is 6.5%, unchanged from last week. The 3-year ARM is 5.375%, and the 5-year ARM is 5.625%, both steady from last week. Connexus offers a 15-year conventional fixed rate at 5.625% and a 30-year conventional fixed rate at 6.375%, both unchanged from last week. Their 3-year ARM is steady at 4.99%, and the 5-year ARM holds at 5.375%. The 7-year ARM is also stable today at 5.625%.

Wings Financial offers a 15-year conventional fixed rate today at 5.75%, up 13 bp from last week. Their 30-year conventional fixed rate is 6.375%, down 13 bp from seven days ago. The 15-year and 30-year conventional refinance rates match these fixed rates. Jumbo 30-year fixed loans are also at 6.375%, down 13 bp from last week. Adjustable 5-year and 7-year ARM rates hold steady at 5.375% and 5.625%, respectively, while the 10-year ARM is 5.875%, up 13 bp from two weeks ago.

America First shows a 15-year conventional fixed rate today at 5.875%, up 13 bp from last week. Their 30-year conventional fixed and 30-year conventional refinance rates are both 6.5%, unchanged from a week ago but up 13 bp from two weeks ago. FHA 30-year fixed is at 6.0%, down 13 bp from last week. VA 30-year fixed stands at 6.125%, also down 13 bp from last week.