Mortgage Rates in North DakotaCurrent North Dakota fixed rate mortgages for a 10-Year Fixed mortgage are at 7.000% with 0.000% point(s), 30 Year Fixed mortgage rates in North Dakota are at 7.125% with 0.000% point(s), 20 Year Fixed mortgage rates in North Dakota are at 6.500% with 0.000% point(s). North Dakota Mortgage Rates:Search and compare mortgage rates and refinance rates in North Dakota. Our rate table has a list of North Dakota mortgage rates and mortgage refinance rates. You can also use our free mortgage calculator to calculate monthly mortgage payments. Compare mortgage and refinance rates in North Dakota. Save money by using our free tool to find customized mortgage and refinance rates for North Dakota (ND). Use our mortgage calculator to check how much monthly payments will be on your home loan. When you start your search for current mortgage rates in North Dakota you need to first have an understanding of the types of mortgages available and their corresponding interest rates. North Dakota 5/1 ARM mortgage rates are at 5.740% with 0.000% point(s), Adjustable rates on 5/5 ARM loans in North Dakota with 0.000% point(s) are at 6.000%, Adjustable rates on 7/1 ARM loans in North Dakota with 0.000% point(s) are at 5.650%. Mortgage
APR
30-Year Fixed Conforming
5.73%
15-Year Fixed Conforming
5.53%
30-Year Fixed Jumbo
5.73%
15-Year Fixed Jumbo
5.53%
5/6 ARM Conforming
6.94%
5/6 ARM Jumbo
6.88%
Types of rates available in North Dakota include conforming mortgage rates, super conforming rates, jumbo rates, adjustable rates, HELOC rates and home equity loan rates. There are variations of each type of mortgage available in North Dakota listed below. Mortgage Rates in North Dakota January 26, 2025Show More
The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed. North Dakota Lenders and Mortgage BrokersList your company here at no cost: Are you a lender or mortgage broker in North Dakota? Are you interested in having your company, contact information, website and logo listed here? Contact us at to find out how. North Dakota Real Estate AgentsList your contact information at no cost: Are you a real estate agent agent in North Dakota? You can list your company, contact information, website an logo here. Contact us to find out how. North Dakota Conforming Mortgage RatesConforming mortgage rates are rates on mortgages that meet the criteria set out by the Federal Housing Finance Agency. There are limits set for each county of North Dakota. There are higher mortgage loan limits for designated high-cost areas, like on the coasts and in large cities. North Dakota mortgages that “conform” to the standards set out by the Federal Housing Finance Agency can be purchased by Freddie Mac and Fannie Mae. This process guarantees banks are able to resell North Dakota mortgage loans that have been made. As a result, North Dakota mortgage rates today are lower than jumbo interest rates in $regionName. Conforming mortgages and jumbo mortgages are available in terms of 40 years, 30 years, 25 years, 20 years, 15 years and 10 years. North Dakota Super Conforming Home Loan RatesSuper conforming mortgages in North Dakota are mortgages that have higher mortgage loan amounts but still “conform” to the standards set by the Federal Housing Finance Agency. Super conforming mortgages are available for the higher cost housing areas like the coasts and in large cities. North Dakota Jumbo Loan Interest RatesNorth Dakota jumbo mortgage rates are rates for mortgage loans that have a dollar amount higher than conforming and super conforming loan amounts. Jumbo home loan rates in North Dakota are usually 0.75 basis points higher than conforming mortgage rates in North Dakota because there is no guarantee banks and credit unions can sell these mortgages after they make the loans. North Dakota Fixed Rate MortgagesFixed rate mortgages are the most common mortgage available in North Dakota. The mortgage rate and the monthly payment stay the same for the entire life of the mortgage loan. This makes fixed rate mortgages the most stable and predictable for mortgagees. North Dakota Adjustable Interest RatesNorth Dakota adjustable mortgages have a fixed mortgage rate for a certain number of years and then the mortgage rate adjusts every year after the initial period. There are usually yearly caps and life time caps on how much the mortgage interest rate and fluctuate. Your monthly mortgage payment will be lower at first but can rise when mortgage rates rise. Adjustable mortgages are available in terms of 1 year, 3 years, 5 years, 7 years and 10 years. North Dakota Interest Only Home Mortgage RatesNorth Dakota interest only mortgages are mortgages that the borrower pays only the interest on the principal balance or a set period of time. After the initial period the mortgagee pays both interest and principal. Interest only (IO) mortgages were popular during the housing boom. North Dakota FHA Mortgage Mortgage RatesBorrowers in North Dakota must meet certain requirements established by FHA to qualify for a mortgage insured by the FHA. FHA mortgage interest rates in North Dakota are usually lower than conforming mortgage interest rates because mortgage lenders bear less risk because FHA will pay the lender if a homeowner defaults on his or her mortgage loan. Cities in North DakotaAbercrombieAbsarakaAdamsAgateAlamoAlexanderAlmontAlsenAmbroseAmeniaAmidonAnamooseAnetaAntlerArdochArgusvilleArnegardArthurArvillaAshleyAyrBaldwinBalfourBaltaBantryBarneyBathgateBeachBelcourtBelfieldBenedictBerlinBertholdBeulahBinfordBisbeeBismarckBlanchardBottineauBowbellsBowdonBowmanBraddockBremenBrinsmadeBrocketBuchananBuffaloBurlingtonButteBuxtonCaledoniaCalvinCandoCannon BallCarpioCarringtonCarsonCartwrightCasseltonCathayCavalierCayugaCenterChaffeeChaseleyChristineChurchs FerryClayClevelandCliffordCogswellColeharborColfaxColquhounColumbusCooperstownCourtenayCraryCrosbyCrystalCummingsDahlenDavenportDawsonDazeyDeeringDenhoffDes LacsDevils LakeDickeyDickinsonDodgeDonnybrookDouglasDrakeDraytonDriscollDunn CenterDunseithEckelsonEdgeleyEdinburgEdmoreEgelandElginEllendaleEmeradoEnderlinEppingErieEsmondFairdaleFairfieldFairmountFargoFarmingtonFessendenFingalFinleyFlasherFlaxtonForbesFordvilleForest RiverFormanFort RansomFort TottenFort YatesFortunaFredoniaFullertonGackleGalesburgGardnerGarrisonGilbyGladstoneGlasstonGlen UllinGlenburnGlenfieldGolden ValleyGolvaGoodrichGrace CityGraftonGrand ForksGrand Forks AFBGrandfieldGrandinGranvilleGrassy ButteGreat BendGrenoraGwinnerHagueHallidayHambergHamiltonHampdenHankinsonHannafordHannahHansboroHarveyHarwoodHattonHavanaHazeltonHazenHebronHenselHettingerHillsboroHoopleHopeHoraceHunterHurdsfieldInksterJamestownJessieJudKarlsruheKathrynKeeneKenmareKensalKiefKilldeerKindredKintyreKnoxKramerKulmLakotaLamoureLangdonLankinLansfordLarimoreLawtonLeedsLeforLehrLemmonLeonardLidgerwoodLigniteLintonLisbonLitchvilleLuverneMaddockMaidaMakotiMandanMandareeManningMantadorManvelMapletonMarionMarmarthMarshallMartinMaxMaxbassMayvilleMccluskyMcgregorMchenryMckenzieMcleodMcvilleMedinaMedoraMekinockMenokenMercerMichiganMilnorMiltonMinnewaukanMinotMinot AFBMintoMoffitMohallMontpelierMooretonMottMountainMunichMyloNapoleonNecheNekomaNew EnglandNew LeipzigNew RockfordNew SalemNew TownNewburgNiagaraNomeNoonanNorthwoodNorwichOakesOberonOrangeOriskaOrrinOsnabrockPagePalermoPark RiverParshallPekinPembinaPennPerthPetersburgPettibonePillsburyPingreePisekPlazaPoplar GrovePortalPortlandPowers LakeRaleighRayReederReganRegentReynoldsRhameRichardtonRiverdaleRobinsonRocklakeRogersRoletteRollaRoseglenRossRugbyRusoRutlandRyderSaint AnthonySaint JohnSaint MichaelSaint ThomasSanbornSarlesSawyerScrantonSelfridgeSentinel ButteSharonSheldonSherwoodSheyenneShieldsSolenSourisSouth HeartSpiritwoodStanleyStantonStarkweatherSteeleSterlingStirumStrasburgStreeterSurreySuttonSykestonTappenTaylorThompsonTiogaTokioTolleyTolnaTower CityTownerTrentonTurtle LakeTuttleUnderwoodUphamValley CityVelvaVenturiaVeronaVoltaireWahpetonWalcottWalesWalhallaWarwickWashburnWatford CityWebsterWest FargoWestbyWesthopeWheatlandWhite EarthWildroseWillistonWillow CityWiltonWimbledonWingWishekWolfordWoodworthWyndmereYorkYpsilantiZahlZapZeelandOther Mortgage Rate Deals
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