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See how much it could cost to update your home.

Thinking about a home improvement project but not sure what it could cost? Answer a few quick questions and get a personalized estimate.

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Get rewarded for your loyalty.

If you have an existing U.S. Bank first mortgage, a U.S. Bank Smartly™ Checking account or an existing Gold or Platinum Checking Package, you may be eligible for a customer credit1 of 0.25% of the loan amount off the closing costs of a new first mortgage, up to a maximum of $1,000.2

See your potential savings

Explore articles for additional home loan insights.

What types of credit scores qualify for a mortgage?

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Is it the right time to refinance your mortgage?

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How much house can you afford?

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Get answers to commonly asked home loan questions.

Home mortgage loans are offered by lenders to qualifying borrowers. A borrower pays back the home loan over an agreed length of time called a “term”.

Unlike a mortgage prequalification, a home loan pre-approval requires some extra paperwork such as W-2s, pay stubs, bank statements and tax returns. It also involves pulling your credit score and history. With this information, your lender will then be able to determine your loan amount, so you can shop for homes within your price range. A pre-approval only lasts 90 days, so it’s best to wait until you’re ready to start shopping.

Mortgage rates can be confusing. There are two key types generally referenced when you do research: interest rates and annual percentage rates (APR). In short, your interest rate is determined at the end of your application process, but you can get rough ideas of what to expect prior to applying. APR takes additional factors into consideration, like mortgage fees. See local rates in your area or learn more about the differences between interest rates and APR.

There are a number of factors that mortgage lenders consider before offering a loan to a customer, like credit history and credit score, debt to income ratio, down payment amount and more. A great place to start is to get prequalified for a mortgage. You can also speak with a mortgage loan officer near you if you’re looking for more details into how you can better prepare for a new mortgage.

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Disclosures

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. Mortgage, home equity and credit 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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  1. Jumbo estimated monthly payment and APR example: A $940,000 loan amount with a 30-year term at an interest rate of 5.625% with a down payment of 25% and no discount points purchased would result in an estimated monthly principal and interest payment of $5,411 over the full term of the loan with an annual percentage rate (APR) of 5.784%.

    Estimated monthly payment and APR calculation are based on a down payment of 25% and borrower-paid finance charges of 0.862% of the base loan amount. If the down payment is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Estimated monthly payment does not include amounts for taxes and insurance premiums and the actual payment obligation will be greater.

  2. To calculate the U.S. Bank Customer Credit, take 0.25% of your new first mortgage loan amount and deduct it from the closing costs. For purchase or refinance transactions, the maximum credit is $1,000. Certain mortgages may not be eligible for stated credits. Offer may not be combined with any other mortgage offers and can only be applied once per property within a 12-month period.

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