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Mortgage rate locks typically last from 30 to 60 days, though they can also last 120 days or more. Some lenders may offer a free rate lock for a specified amount of time.

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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.