Mortgage Rates

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

TruStone Home Mortgage, a division of TruStone Financial, 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 September 25, 2020 are subject to change without notice.
Loan TypeRateAPR1
30-year Fixed Rate - MN*2.875%2.921%
30-year Fixed Rate - WI**2.875%2.930%
30-year Fixed Rate3.500%3.550%
FHA 30 Year Fixed2.375%2.420%
20-year Fixed Rate2.750%2.815%
15-year Fixed Rate2.500%2.584%
10-year Fixed Rate2.375%2.497%
20-year Fixed Rate3.375%3.441%
15-year Fixed Rate3.000%3.590%
10-year Fixed Rate3.000%3.120%

Category // Adjustable Loans^

Rates effective September 25, 2020 and subject to change without notice.
Loan TypeRateAPR1
Conforming2.761%2.885%
Non-Conforming3.511%3.641%

Minnesota
*Example loan amount of $250,000 with a 30-day rate lock period. Rates are based on the purchase of a single family, primary residence, a qualifying credit score of 740 and assumes the loan will have an escrow account.

Wisconsin
**Example loan amount of $200,000 with a 30-day rate lock period. Rates are based on the purchase of a single family, primary residence, a qualifying credit score of 740 and assumes the loan will have an escrow account.

General Disclosures
1APR = Annual Percentage Rate.
The displayed APR for the loan products shown reflects the interest rate and approximate cost of prepaid finance charges, including closing costs. The actual fees, costs and monthly payment on your specific loan transaction may vary and may include additional fees and costs. Your rate and APR may differ depending on your credit history, property value, loan amount and other factors. TruStone membership required.

Loan payment examples:
A $250,000 loan for 30 years at 3.500% interest and 3.548% APR will have a monthly principal and interest payment of $1,122.61.

A $250,000 loan for 20 years at 3.250% interest and 3.316% APR will have a monthly principal and interest payment of $1,417.99.

A $250,000 loan for 15 years at 3.000% interest and 3.085% APR will have a monthly principal and interest payment of $1,726.45.

A $250,000 loan for 10 years at 2.750% interest and 2.873% APR will have a monthly principal and interest payment of $2,385.28.

If the down payment or equity is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The monthly payment amount does not include homeowner’s insurance, flood insurance (if applicable), or property taxes; therefore, the actual payment obligation will be greater.

^Adjustable-Rate Mortgage. Rate assumes a 30-year term and is variable based on the 5-year Treasury rate plus a margin with an initial five-year fixed interest rate period, 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%. The interest rate, APR, and monthly payments may increase after the initial fixed interest rate period. Amortized loan terms available up to 30 years.

Minnesota
*Example loan amount of $250,000 with a 30-day rate lock period. Rates are based on a refinance of a single family, primary residence, a qualifying credit score of 740 and assumes the loan will have an escrow account.

Refinance - Wisconsin
**Example loan amount of $200,000 with a 30-day rate lock period. Rates are based on a refinance of a single family, primary residence, a qualifying credit score of 740 and assumes the loan will have an escrow account.

General Disclosures
1APR = Annual Percentage Rate.
The displayed APR for the loan products shown reflects the interest rate and approximate cost of prepaid finance charges, including closing costs. The actual fees, costs and monthly payment on your specific loan transaction may vary and may include additional fees and costs. Your rate and APR may differ depending on your credit history, property value, loan amount and other factors. TruStone membership required.

Loan payment examples:
A $250,000 loan for 30 years at 3.500% interest and 3.548% APR will have a monthly principal and interest payment of $1,122.61.

A $250,000 loan for 20 years at 3.250% interest and 3.316% APR will have a monthly principal and interest payment of $1,417.99.

A $250,000 loan for 15 years at 3.000% interest and 3.085% APR will have a monthly principal and interest payment of $1,726.45.

A $250,000 loan for 10 years at 2.750% interest and 2.873% APR will have a monthly principal and interest payment of $2,385.28.

If the down payment or equity is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The monthly payment amount does not include homeowner’s insurance, flood insurance (if applicable), or property taxes; therefore, the actual payment obligation will be greater.

^Adjustable-Rate Mortgage. Rate assumes a 30-year term and is variable based on the 5-year Treasury rate plus a margin with an initial five-year fixed interest rate period, 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%. The interest rate, APR, and monthly payments may increase after the initial fixed interest rate period. Amortized loan terms available up to 30 years.