What are you looking to do?

Prequalify in minutes

Whether you want to lower your monthly payment, shorten your term or cash out equity, start by finding out how much you may qualify for.

Prequalify

Apply to refinance online

Start the refinance process in the U.S. Bank Loan PortalSM. After you sign up, you can easily upload required documents and submit your application all in one secure spot.

Apply

See our competitive rates

Reach your financial goals by refinancing your existing mortgage to get the best interest rate for your needs.

See today’s rates

Learn about your refinancing options

Find a better fit for me

Traditional Refinance

Looking for a lower rate or a shorter term? U.S. Bank offers competitive rates and a variety of options, including refinancing for FHA and VA loans.

 

Get cash out of my home

Cash-out Refinance

Want to tap into your home's equity? If you're looking for a new mortgage plus extra cash, a cash-out refinance could get you funds at closing.

 

Refinance my U.S. Bank mortgage

Streamline Refinance

Already have a mortgage with U.S. Bank? You may qualify for faster loan approval and lower rates with a Streamline Refinance.

 

Get started

Apply Find a loan officer

You can also call 855.815.8894 or request a call.

A no-cost closing option

Smart Refinance

Looking to fund a one-time expense? A Smart Refinance may save you time and money, with competitive fixed rates and a no-cost-closing option.

Apply now Visit a branch

You can also call 866.829.2347.

Help for underwater mortgages

If you want to refinance but your home has declined in value, you may have options. U.S. Bank participates in the HARP program and may be able to help with a repayment plan.

 

Should I refinance my mortgage?

Refinancing your mortgage could save you money – if the time is right. Make sure you know when to refinance and how timing should factor into your decision.

 

Using funds from my home

Want to get cash out of your home? Two alternatives to cash-out refinancing – the home equity line of credit and home equity loan – may also meet your needs.