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How to read our rates. The current mortgage rates listed below assume a few basic things about you, including, you have very good credit (a FICO credit score of 740+) and you’re buying a single-family home as your primary residence.Check out the mortgage rates charts below to find 30-year and 15-year mortgage rates for each of the different mortgage loans U.S. Bank offers.

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Mortgage rates remain at nearly three-year lows, but that’s of little comfort to would-be home buyers who have been priced out of the market. Mortgage rates steadied over the last week amid all the.

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