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We appreciate your interest. A U.S. Bank Home Equity Expert will call you shortly.

We look forward to working with you. If you have questions of any kind, or are interested in more information about U.S. Bank products, please visit us at usbank.com or call 800-784-9777.

Start Your Home Equity Loan Process

Make your dreams come true with U.S. Bank:

  • Enjoy great low Home Equity Rates.1
  • Save money - you pay NO closing costs.
  • Take advantage of available tax benefits.

Take this easy step to enjoying all the advantages of a U.S. Bank loan. Fill out this short form and a Home Equity Expert will contact you shortly. Based on your ZIP code, our online application is not currently available. Please complete this form and a Home Equity expert will contact you shortly.

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  1. Home Equity Line of Credit – The Annual Percentage Rate (APR) is variable and is based upon an index plus a margin. The APR will vary with Prime Rate (the index) as published in the Wall Street Journal. As of May 9, 2014, the variable rate for home equity lines of credit ranged from 3.99% APR to 8.50% APR. Higher rates may apply for lower credit limits (depending upon the market), an LTV at or above 80%, a low credit score and/or not having a U.S. Bank personal Package Checking account. The rate will not vary above 18% APR, or applicable state law, or below 3.25% APR. Choosing an interest only repayment may cause your monthly payment to increase, possibly substantially, once your credit line transitions into the repayment period. An annual fee of up to $90 may apply after the first year and is waived with a U.S. Bank personal Platinum Checking Package. See the Consumer Pricing Information brochure for terms and conditions that apply to U.S. Bank Package Checking accounts.

     

    Home Equity Loan – As of May 9, 2014 the fixed Annual Percentage Rate ranges from 6.49% to 9.19% (without the employee discount) for a 30-year second position home equity installment loan with loan-to-value of 80% or less. Higher rates apply for higher LTV or a loan amount of $25,000 or less. In order to receive the lowest rate advertised, a setup of automatic payments from a U.S. Bank personal Package Checking account is required. Automatic payments are not required for loan approval. Loan payment example: on a $40,000 loan for 360 months with an 8.00% interest rate, monthly payments would be $293.50. 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 ranges from 6.49% to 9.19%. No closing cost option: a) is available for customers with a debt to income ratio of 43.01% or less; b) customer pays no closing costs, except escrow related funding costs; c) has an early closure fee of 1% of the original loan amount, maximum $500, will apply if the loan is paid off and closed within the first three years; d) customers can choose to remove the early closure fee by paying an origination fee of 1% of the loan amount, maximum $500.Customers with a debt to income ratio above 43% do not have an early closure fee.

     

    Smart Refinance – 3.84% fixed Annual Percentage Rate (APR) is available on or after May 9, 2015 for 15-year first-position home equity installment loans $40,000 to $250,000 with loan-to-value (LTV) ratios of 80% or less. Higher rates apply for higher LTV ratios, certain property types, lower credit scores or 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. Automatic payments from a US Bank Personal Package Checking account is required to receive the lowest rate advertised. Automatic payments are not required for loan approval. 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 180 months at 3.84% interest rate, monthly payments would be $292.68. 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 3.84%. No closing cost option: (a) is available for customers with a debt to income ratio of 43% or less; (b) customer pays no closing costs, except escrow related funding costs; (c) an early closure fee of 1% of the original loan amount, maximum $500, will apply if the loan is paid off and closed within the first three years; (d) customers can choose to remove the early closure fee by paying an origination fee of 1% of the loan amount, maximum $500. Customers with a debt-to-income ratio above 43% do not have an early closure fee. Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rate and program terms are subject to change without notice. Property insurance is required.

     

    U.S. Bank and its representatives do not provide tax or legal advice. Your tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation.

     

    Home equity products are offered by U.S. Bank National Association. Deposit products are offered by U.S. Bank National Association, Member FDIC.

     

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Deposit products offered by U.S. Bank National Association. Member FDIC

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