Best Current Refinance Mortgage Rates Us Bank Home Mortgage Rates Refinance Low interest rate mortgage 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. If you decide to purchase mortgage discount points at closing, your interest rate may be lower than the rates shown here.Let's say you have a 30-year fixed-rate home loan that's charging 6.5%. Refinance at current interest rates, and you'll reduce your monthly payments by around $150. The Federal Housing Administration, a division of the U.S. Department of. With the government standing behind you, banks and mortgage companies can.