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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. Equiline - 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 November 1, 2013, the variable rate for home equity lines of credit ranged from 3.99% APR to 8.99% APR. Higher rates may apply for a credit limit below $125,000 (depending upon the market), an LTV above 70% or 80% (depending upon the market), a low credit score and/or not having a U.S. Bank personal Package Checking account (a 0.50% interest rate reduction). The rate will not vary above 18% APR, or applicable state law, or below 3.25% APR. An annual fee of up to $90 may apply after the first year. 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. See the Consumer Pricing Information brochure for terms and conditions that apply to U.S. Bank Package Checking accounts. 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.

    Second Lien Home Equity Loan - 7.70% fixed Annual Percentage Rate (APR) is available for 30-year second position home equity installment loan with loan-to-value of 70% or less than 80% or less depending on market. Higher rates apply for higher LTV or other loan amount. 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 360 months at 7.70% interest rate, monthly payments would be $285.18. 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 7.70%. 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.

    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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