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U.S. Bank Smart Refinance

If you owe less than $150,000 on your home and want to refinance your mortgage, a U.S. Bank Smart Refinance offers an easy application process, flexible terms and potential tax advantages.

Smart Refinance benefits include:

  • Fixed interest rates
  • No points, fees, origination or closing costs
  • Less paperwork and a faster decision time
  • The convenience of loan closings at any U.S. Bank branch

Apply Now | View Rates

Interest Rates

Terms

  • Maximize your savings by refinancing into a low-term mortgage.
  • Flexible terms up to 240 months (20 years).

Fees and Costs

  • No points, fees, origination or closing costs.

Other Ways to Borrow

Four Ways to Get Started

By Phone

866-829-2347

Online
By Request
In Person

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Four Ways to Get Started

By Phone

866-829-2347

Online
By Request
In Person

Smart Refinance - 4.75% fixed Annual Percentage Rate (APR) is available for 20-year first position home equity installment loans $40,000 to $250,000 with loan-to-value of 70% or 80%, or less depending upon the market. Higher rates apply for higher LTV, certain property types, other loan amounts. The APR reflects a 0.50% interest rate reduction for having automatic payments from a U.S. Bank personal Package Checking account. See the Consumer Pricing Information brochure for terms and conditions that apply to U.S. Bank Package Checking accounts. Loan payment example: on a $40,000 loan for 240 months at 4.75% interest rate, monthly payments would be $258.49. Payment example does not include amounts for taxes and insurance premiums. The monthly payment obligation will be greater if taxes and insurance are included and an initial customer deposit may be required if an escrow account for these items is established. APR is 4.75%. Customer pays no closing costs, except escrow related funding costs. Offer is subject to normal credit qualifications and program guidelines. Rates are subject to change without notice. Property insurance is required. Consult your tax advisor regarding the deductibility of interest. Other restrictions may apply. Home Equity loans and lines of credit and Deposit products are offered through U.S. Bank National Association, Member FDIC. © 2013 U.S. Bank. Equal Housing Lender Equal Housing Lender.

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