Get a Lower rate in North Dakota whether you’re looking to reduce your monthly payment, change your loan term or refinance into a different rate.

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Loan Type	Rate	APR	Points	Monthly Payment
FHA 30-Year Fixed	5.990%	6.746%	2.000	$2,277
VA 30-Year Fixed	5.875%	6.227%	2.250	$2,096
Conventional 15-Year Fixed	5.875%	6.230%	1.875	$2,929
Conventional 30-Year Fixed	6.375%	6.618%	2.125	$2,183
Jumbo 30-Year Fixed	6.250%	6.468%	2.125	$5,849

Loan Type	Rate	APR	Points	Monthly Payment
FHA 30-Year Refinance	6.125%	6.932%	2.250	$2,308
VA 30-Year Refinance	6.125%	6.401%	2.375	$2,137
Conventional 15-Year Refinance	5.875%	6.344%	2.375	$2,929
Conventional 30-Year Refinance	6.490%	6.792%	2.500	$2,209
Jumbo 30-Year Refinance	6.250%	6.500%	2.375	$5,849

Loan Type	Rate	APR	Points	Monthly Payment

FHA 30-Year Fixed: Interest rate offered based on $356,125 loan amount with 6.746% APR and $2,277 monthly payment at 70% loan-to-value (LTV) and 2.000 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

VA 30-Year Fixed: Interest rate offered based on $354,375 loan amount with 6.227% APR and $2,096 monthly payment at 70% loan-to-value (LTV) and 2.250 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

Conventional 15-Year Fixed: Interest rate offered based on $350,000 loan amount with 6.230% APR and $2,929 monthly payment at 70% loan-to-value (LTV) and 1.875 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

Conventional 30-Year Fixed: Interest rate offered based on $350,000 loan amount with 6.618% APR and $2,183 monthly payment at 70% loan-to-value (LTV) and 2.125 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

Jumbo 30-Year Fixed: Interest rate offered based on $950,001 loan amount with 6.468% APR and $5,849 monthly payment at 70% loan-to-value (LTV) and 2.125 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

FHA 30-Year Refinance: Interest rate offered based on $356,125 loan amount with 6.932% APR and $2,308 monthly payment at 70% loan-to-value (LTV) and 2.250 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

VA 30-Year Refinance: Interest rate offered based on $351,750 loan amount with 6.401% APR and $2,137 monthly payment at 70% loan-to-value (LTV) and 2.375 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

Conventional 15-Year Refinance: Interest rate offered based on $350,000 loan amount with 6.344% APR and $2,929 monthly payment at 70% loan-to-value (LTV) and 2.375 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

Conventional 30-Year Refinance: Interest rate offered based on $350,000 loan amount with 6.792% APR and $2,209 monthly payment at 70% loan-to-value (LTV) and 2.500 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

Jumbo 30-Year Refinance: Interest rate offered based on $950,001 loan amount with 6.500% APR and $5,849 monthly payment at 70% loan-to-value (LTV) and 2.375 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

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Refinance Rates Trend in North Dakota

Historical rates shown for context only. See full disclosures below and current rates in the table above. View Legal Disclosures

What Affects Mortgage Refinance Rates in North Dakota

North Dakota refinance rates reflect national lending conditions along with the details of your replacement mortgage. Your credit profile, loan-to-value, loan structure, property details and occupancy can affect the rate and terms available to you.

A refinance quote can differ from a purchase quote for the same borrower because the purpose and structure of the transaction are different. Compare the proposed new mortgage with the loan you already have, including its rate, term and costs.

The interest rate is the percentage charged for borrowing the principal. The annual percentage rate, or APR, is a broader annualized measure that includes the interest rate plus certain loan costs. APR can provide additional context when two refinance offers have different rates or upfront costs.

If you are buying rather than refinancing, compare North Dakota mortgage rates.

Types of Refinances Available in North Dakota

A rate-and-term refinance replaces your existing mortgage without taking cash out of the property. The replacement loan can change the rate, term or both.

A lower interest rate could reduce your monthly principal-and-interest payment, while changing the term can affect both the payment and how long you carry the mortgage. Compare those changes with the costs required to complete the refinance.

How long you expect to keep the new mortgage also affects the calculation. Use the refinance break-even calculator to compare the upfront costs with the expected monthly savings.

North Dakota Roots Refinance Option

The North Dakota Housing Finance Agency allows eligible refinance transactions through its North Dakota Roots program. The program is available to qualifying borrowers who do not meet the requirements for NDHFA's FirstHome or HomeAccess programs.

North Dakota Roots does not have an income limit. The maximum mortgage amount is based on the applicable Fannie Mae or Freddie Mac conforming loan limit or the limit set by the government agency insuring or guaranteeing the mortgage. Borrowers must also meet the requirements of the underlying mortgage program and participating lender.

FHA and VA Refinance Options in North Dakota

If your current mortgage is FHA-backed, an FHA streamline refinance uses limited borrower credit documentation and underwriting to refinance an existing FHA-insured mortgage. An FHA simple refinance also replaces an existing FHA mortgage but uses an appraisal and credit-qualifying underwriting. HUD's FHA streamline refinance guidance covers the streamline requirements.

If your current mortgage is VA-backed, a VA Interest Rate Reduction Refinance Loan, or IRRRL, may help lower your monthly mortgage payment or make payments more stable. The VA's IRRRL guidance requires the mortgage being refinanced to already be VA-backed.

Conforming Loan Limits for a North Dakota Refinance

North Dakota uses the national baseline conforming loan limit throughout the state. Under FHFA's 2026 conforming loan limits, the limit for a one-unit property is $832,750.

The same one-unit limit applies in Cass County in the Fargo area, Burleigh County in the Bismarck area, Grand Forks County and Ward County in the Minot area. A one-unit refinance above $832,750 exceeds the 2026 conforming loan limit anywhere in North Dakota.

A mortgage below that amount still has to meet applicable conventional mortgage requirements to qualify as conforming.

North Dakota Refinance FAQs

When Does Refinancing Make Sense in North Dakota?

Compare your existing mortgage with the proposed replacement loan, including the interest rate, monthly payment, new loan term and closing costs. The length of time you expect to keep the new mortgage affects whether any monthly savings have enough time to offset the upfront costs.

Does North Dakota Housing Offer a Refinance Option?

Yes. The North Dakota Housing Finance Agency allows eligible refinance transactions through its North Dakota Roots program. The program has no income limit, but mortgage size, property, underwriting and underlying loan-program requirements apply.

Do Fargo or Bismarck Have Higher Conforming Loan Limits?

No. Cass County in the Fargo area and Burleigh County in the Bismarck area use the same $832,750 conforming loan limit for one-unit properties in 2026 as the rest of North Dakota.

Can I Refinance a VA Loan in North Dakota?

Yes. If your current mortgage is VA-backed, an IRRRL may be available to refinance it. The existing mortgage must be VA-backed, and VA and lender requirements apply to the new loan.

5.0

Stacey is a pleasure to work with. She kept me up to date and on track for my refiannce.

Joe C.

Verified Customer

August 5, 2026

5.0

I can’t recommend Erick Martínez highly enough. He accomplished what many thought would be very difficult by successfully completing my residential refinance in just two weeks. From start to finish, Erick was knowledgeable, responsive, organized, and always available to answer my questions. He kept me informed throughout the entire process, making everything smooth and stress-free. His professionalism, dedication, efficiency, and commitment to his clients truly exceeded my expectations. If you’re looking for a loan officer who works hard, delivers results, and makes… the refinancing process as easy as possible, Erick is the person to call. Thank you, Erick, for making this happen so quickly. I truly appreciate all your hard work and would highly recommend you to anyone looking for a mortgage or residential refinance! Jeny and Carlos Cardenas .

Jennifer A.

Verified Customer

June 29, 2026

5.0

Rick has helped us so much throughout the home buyer process. He is knowledgeable and helpful with various options. I would definitely recommend using his services if you are in the market for buying or refinancing!

Ronald D.

Verified Customer

July 31, 2026

5.0

Cameron Lewis is the “go to” for all my clients who have ever had the pleasure of working with him. Once you go with Cameron, you won’t ever have to search for another lender when making other purchases or refinancing. Cameron is the smartest, most experienced and resourceful lender in the Asheville area. On top of all that, he’s the easiest and most pleasant professional you could hope to work with! It’s ALWAYS better to go with a local lender… when purchasing in the area, and Cameron is by far the best in the area! So look no further, and rest assured that you are making the right choice when you pick Cameron !

Laurie R.

Verified Customer

June 17, 2026

5.0

Where do i I even start Landon kail has made this whole experience stress free and very easy, I just followed his straight forward easy to understand instructions and now I'm a home owner I would recommend Landon to anyone applying to get a mortgage 10/10 times super nice and personable if I even need anything in the future weather it's a new mortgage or refinancing Landon is my guy

Zach G.

Verified Customer

August 7, 2026

5.0

Cam did an amazing job explaining everything from day 1 and guiding us every step of the way. He was on top of things and ensured we never missed a task or action item or deadline. I appreciated how prompt Cam was in responding to any question, even if it was after work hours. I would highly recommend Cam to anyone looking for a mortgage and if I ever feel the need to refinance, I'll reach out to Cam without… any hesitation.

Atif M.

Verified Customer

August 14, 2026

Joe C. rated Stacey Smith 5.0 stars: Stacey is a pleasure to work with. She kept me up to date and on track for my refiannce. Jennifer A. rated Erick Martinez 5.0 stars: I can’t recommend Erick Martínez highly enough. He accomplished what many thought would be very difficult by successfully completing my residential refinance in just two weeks. From start to finish, Erick was knowledgeable, responsive, organized, and always available to answer my questions. He kept me informed throughout the entire process, making everything smooth and stress-free. His professionalism, dedication, efficiency, and commitment to his clients truly exceeded my expectations. If you’re looking for a loan officer who works hard, delivers results, and makes the refinancing process as easy as possible, Erick is the person to call. Thank you, Erick, for making this happen so quickly. I truly appreciate all your hard work and would highly recommend you to anyone looking for a mortgage or residential refinance! Jeny and Carlos Cardenas . Ronald D. rated Rick Fantucci 5.0 stars: Rick has helped us so much throughout the home buyer process. He is knowledgeable and helpful with various options. I would definitely recommend using his services if you are in the market for buying or refinancing! Laurie R. rated Cameron Lewis 5.0 stars: Cameron Lewis is the “go to” for all my clients who have ever had the pleasure of working with him. Once you go with Cameron, you won’t ever have to search for another lender when making other purchases or refinancing. Cameron is the smartest, most experienced and resourceful lender in the Asheville area. On top of all that, he’s the easiest and most pleasant professional you could hope to work with! It’s ALWAYS better to go with a local lender when purchasing in the area, and Cameron is by far the best in the area! So look no further, and rest assured that you are making the right choice when you pick Cameron ! Zach G. rated Landon Kail 5.0 stars: Where do i I even start Landon kail has made this whole experience stress free and very easy, I just followed his straight forward easy to understand instructions and now I'm a home owner I would recommend Landon to anyone applying to get a mortgage 10/10 times super nice and personable if I even need anything in the future weather it's a new mortgage or refinancing Landon is my guy Atif M. rated Cam Lewis 5.0 stars: Cam did an amazing job explaining everything from day 1 and guiding us every step of the way. He was on top of things and ensured we never missed a task or action item or deadline. I appreciated how prompt Cam was in responding to any question, even if it was after work hours. I would highly recommend Cam to anyone looking for a mortgage and if I ever feel the need to refinance, I'll reach out to Cam without any hesitation.

Today's Refinance Rates in North Dakota

Current North Dakota Home Refinance Rates

Get your personalized rate

Refinance Rates Trend in North Dakota

What Affects Mortgage Refinance Rates in North Dakota

Types of Refinances Available in North Dakota

North Dakota Roots Refinance Option

FHA and VA Refinance Options in North Dakota

Conforming Loan Limits for a North Dakota Refinance

North Dakota Refinance FAQs

When Does Refinancing Make Sense in North Dakota?

Does North Dakota Housing Offer a Refinance Option?

Do Fargo or Bismarck Have Higher Conforming Loan Limits?

Can I Refinance a VA Loan in North Dakota?

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