Mortgage Rates
The rates below are effective 5/20/2025, for single-family, owner-occupied purchases or rate/term refinances with escrows. Other term lengths are available for certain loan types.
Fixed-Rate Mortgages
These mortgages have a stable interest rate for the life of the loan.
30-Year Fixed Rates
| Loan amount | Rate | APR≁ | Payment example≁ |
|---|---|---|---|
| $100,000 | [ Show Rate ] | [ Show Rate ] | [ Show Payment ] |
| $200,000 | [ Show Rate ] | [ Show Rate ] | [ Show Payment ] |
| $300,000 | [ Show Rate ] | [ Show Rate ] | [ Show Payment ] |
15-Year Fixed Rates
| Loan amount | Rate | APR≁ | Payment example≁ |
|---|---|---|---|
| $100,000 | [ Show Rate ] | [ Show Rate ] | [ Show Payment ] |
| $200,000 | [ Show Rate ] | [ Show Rate ] | [ Show Payment ] |
| $300,000 | [ Show Rate ] | [ Show Rate ] | [ Show Payment ] |
Adjustable Rate Mortgage (ARM)
| Fixed term | Rate^ | APR≁ | Payment example≁ |
|---|---|---|---|
| 5 years | [ Show Rate ] | [ Show Rate ] | [ Show Payment ] |
| 7 years | [ Show Rate ] | [ Show Rate ] | [ Show Payment ] |
| 10 years | [ Show Rate ] | [ Show Rate ] | [ Show Payment ] |
Veterans Affairs (VA) Fixed rate Mortgages
| Type | Term | Rate | APR≁ | Payment example≁ |
|---|---|---|---|---|
| Veterans Affairs (VA) Fixed-Rate Mortgage | 30 years | [ Show Rate ] | [ Show Rate ] | [ Show Payment ] |
Construction and Lot Loans
| Type | Loan amount | Rate | APR≁ | Payment example≁ |
|---|---|---|---|---|
| 3-Year Lot Loan Balloon (15-year term) | $100,000 | [ Show Rate ] | [ Show Rate ] | [ Show Payment ] |
| 5 Year ARM | $500,000 | [ Show Rate ] | [ Show Rate ] | [ Show Payment ] |
| 7 Year ARM | $500,000 | [ Show Rate ] | [ Show Rate ] | [ Show Payment ] |
| 15-Year Fixed Mortgage | $500,000 | [ Show Rate ] | [ Show Rate ] | [ Show Payment ] |
Iowa Finance Authority (IFA)
| Type | Term | Rate | APR≁ | Payment example≁ |
|---|---|---|---|---|
| Iowa Financing Authority (IFA) Fixed-Rate Mortgage | 30 years | See IFA website | -- | -- |
Nebraska Finance Authority (NIFA)
| Type | Term | Rate | APR≁ | Payment example≁ |
|---|---|---|---|---|
| Nebraska Financing Authority (NIFA) Fixed-Rate Mortgage | 30 years | See NIFA website | -- | -- |
Ready to lock in your rate?
Apply Now ≁ All Veridian mortgages have no origination fee. APR = Annual Percentage Rate. All rates are for single-family owner-occupied purchases or rate/term refinances with escrows. Rates based on 780 credit score, 75% loan to value, 30-day rate lock. Rate can vary for loan amounts not listed and longer rate lock terms. Rates are subject to change without notice. Veridian is not responsible for typographical errors or omissions. Payment examples do not include taxes and insurance, if applicable, payment will be higher. Other loan terms may be available. Lower interest rates may be available by paying discount points. Veridian NMLS ID# 531586.
^ARM rates are calculated by adding a margin, 2.75%, to an index, the 1-year Treasury rate. The minimum rate is 2.75%. Rates can increase or decrease no more than 2% each year and 6% total