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Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Today's Minnesota Mortgage Rates in the HSH Lender Showcase

Minnesota Mortgages

Minnesota home buyers and current home owners have the opportunity to put down roots in a modern Minneapolis high-rise, refinance their Rochester single-family home, or invest in a vacation home on the shores of Minnesota's legendary ten thousand lakes.

HSH.com features local information on Minnesota mortgage rates and lenders to help with your financing decisions. Take advantage of resources such as current MN mortgage rates and mortgage calculators. These research tools help you determine whether to purchase or rent a home, whether you can save money by refinancing your mortgage, how much it will cost to tap into your home equity, and more. If the numbers work out in your favor, you could make a solid investment in your future or lower your current mortgage payments.

Make an informed decision with HSH.com's MN mortgage rates and other research resources. For more information on Minnesota mortgages, contact a qualified lender for a quote.

Minnesota Conventional Mortgage

A conventional mortgage loan is generally a loan made using private mortgage money and not backed by a government entity, such as FHA, VA or USDA. Conventional mortgages are available in fixed rate and adjustable rate varieties and with a wide range of terms. A conventional loan that meets a number of specific criteria can be sold to Fannie Mae or Freddie Mac and is known as conventional conforming mortgage.

2024 Conforming loan limits for Minnesota

Select County
County Name One Family Two Family Three Family Four Family
Aitkin County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Anoka County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Becker County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Beltrami County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Benton County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Big Stone County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Blue Earth County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Brown County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Carlton County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Carver County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Cass County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Chippewa County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Chisago County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Clay County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Clearwater County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Cook County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Cottonwood County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Crow Wing County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Dakota County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Dodge County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Douglas County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Faribault County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Fillmore County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Freeborn County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Goodhue County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Grant County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Hennepin County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Houston County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Hubbard County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Isanti County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Itasca County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Jackson County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Kanabec County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Kandiyohi County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Kittson County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Koochiching County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Lac Qui Parle County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Lake County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Lake Of The Woods County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Le Sueur County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Lincoln County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Lyon County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Mahnomen County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Marshall County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Martin County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Mcleod County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Meeker County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Mille Lacs County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Morrison County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Mower County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Murray County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Nicollet County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Nobles County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Norman County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Olmsted County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Otter Tail County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Pennington County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Pine County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Pipestone County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Polk County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Pope County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Ramsey County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Red Lake County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Redwood County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Renville County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Rice County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Rock County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Roseau County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Scott County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Sherburne County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Sibley County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
St. Louis County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Stearns County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Steele County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Stevens County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Swift County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Todd County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Traverse County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Wabasha County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Wadena County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Waseca County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Washington County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Watonwan County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Wilkin County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Winona County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Wright County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Yellow Medicine County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250

Mortgage Rates by State

Mortgage rates by loan term and type

Today's Mortgage Rates
30-year fixed mortgage rates
15-year fixed mortgage rates
20-year fixed mortgage rates
10-year fixed mortgage rates
5/1 Adjustable Rate Mortgage Rates
7/1 Adjustable Rate Mortgage Rates
10/1 Adjustable Rate Mortgage Rates
VA mortgage rates
FHA mortgage rates
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