Mortgage Rates

Loan Product	Rate starting at	APR* as low as	Payment Example** For a $250,000 Loan
PURCHASE
30-Year Fixed-Rate, Conventional	6.875% Rate	7.008% APR*	$1,642.32 Payment Example**
30-Year 97% Purchase Fixed-Rate, Conventional	7.125% Rate	7.260% APR*	$1,684.30 Payment Example**
20-Year Fixed-Rate, Conventional	6.625% Rate	6.798% APR*	$1,882.38 Payment Example**
5/6m ARM Adjustable-Rate, Conventional	6.125% Rate	6.252% APR*	$1,519.03 Payment Example**
7/6m ARM Adjustable-Rate, Conventional	6.375% Rate	6.504% APR*	$1,559.67 Payment Example**
REFINANCE
30-Year Fixed-Rate, Conventional	6.875% Rate	7.008% APR*	$1,642.32 Payment Example**
20-Year Fixed-Rate, Conventional	6.625% Rate	6.798% APR*	$1,882.38
15-Year Fixed-Rate, Conventional	6.500% Rate	6.715% APR*	$2,177.77 Payment Example**
12-Year Fixed-Rate, Conventional	6.000% Rate	6.256% APR*	$2,439.63 Payment Example**
10-Year Fixed-Rate, Conventional	5.875% Rate	6.174% APR*	$2,759.85 Payment Example**
8-Year Fixed-Rate, Conventional	5.750% Rate	6.114% APR*	$3,255.01 Payment Example**
5/6m ARM Adjustable-Rate, Conventional	6.125% Rate	6.252% APR*	$1,519.03 Payment Example**
7/6m ARM Adjustable-Rate, Conventional	6.375% Rate	6.504% APR*	$1,559.67 Payment Example**

Loan Product	Rate starting at	APR* as low as	Payment Example** For a $900,000 Loan
PURCHASE/REFINANCE
30-Year Jumbo Fixed-Rate	6.875% Rate	6.935% APR*	$5,912.36

Loan Product	Rate starting at	APR* as low as	Payment Example** For a $250,000 Loan
PURCHASE
30-Year VA Fixed-Rate, Conventional	7.375% Rate	7.439% APR*	$1,726.69 Payment Example**
20-Year VA Fixed-Rate, Conventional	7.375% Rate	7.458% APR*	$1,994.92 Payment Example**
15-Year VA Fixed-Rate, Conventional	6.875% Rate	6.976% APR*	$2,229.64 Payment Example**
REFINANCE
30-Year VA Fixed-Rate, Conventional	7.375% Rate	7.439% APR*	$1,726.69 Payment Example**
20-Year VA Fixed-Rate, Conventional	7.375% Rate	7.458% APR*	$1,994.92 Payment Example**
15-Year VA Fixed-Rate, Conventional	6.875% Rate	6.976% APR*	$2,229.69 Payment Example**

Loan Product	Rate starting at	APR* as low as	Payment Example**
30-Year Construction-to-Permanent Fixed-Rate, Conforming	6.875% Rate	7.063% APR*	$1,642.32 Payment Example**

Term	Rate starting as	APR* as low as	Payment Example
5-Year Fixed-Rate, Conforming	7.240% Rate	7.525% APR*	$1,493.60 Payment Example

Mortgage General Rate Disclosures

* APR = Annual Percentage Rate. The APR is calculated based upon typical finance charges and closing costs, including a 1% discount point.

The stated rates are the lowest rates available to those in good credit standing and include 1% discount point. Your rate may be different depending on your credit history, loan-to-value, property value and other factors. A down payment of less than 20%, resulting in a loan to value of greater than 80%, may require Private Mortgage Insurance (PMI) which may increase the APR and payment. Closing costs will apply. Homeowner's insurance is required on the property securing the loan. New or existing Affinity Plus membership is required.

Rates effective April 15, 2024 and subject to change at any time without notice.

Mortgage Loan Disclosures

** Payment examples for conventional fixed loans are based upon a $250,000 loan for a single-family residence in Minnesota and include finance charges. Jumbo loans are based upon a $900,000 loan amount. Payment examples for ARMs assume a 30-year term. For ARMs, the interest rate, APR, and monthly payments may increase after the initial fixed-interest rate period. Taxes, insurance premiums and mortgage insurance (where applicable) are not included and may increase your payment.

Construction Loan Disclosures

** Payment examples are based upon a $250,000 loan for a single-family residence in Minnesota and include finance charges. Taxes, insurance premiums and mortgage insurance (where applicable) are not included and may increase your payment.

Land Loan Disclosures

** Payment examples are based upon a $250,000 loan for a property in Minnesota and include finance charges. Taxes, insurance premiums and mortgage insurance (where applicable) are not included and may increase your payment.

Current Rates

Mortgage Loans

Conventional Mortgage Loans

Jumbo Mortgage Loans

VA Mortgage Loans

Construction Loan

Land Loan

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