Compare your refinance loan options.
Traditional refinance
Reduce your interest rate and term
Cash-out refinance
Access to cash as you refinance
Smart Refinance
No closing costs with flexible terms
These rates are based on some standard assumptions as described below.1 Learn more about interest rates and annual percentage rates (APRs).2 Plus, see estimated conforming fixed-rate3 and Smart Refinance4 monthly payment and APR examples.
Compare all mortgage loan options in one easy spot.
Determine if refinancing your mortgage is right for you.
See how much you could save by refinancing your mortgage.
Find ways to pay for your home improvement project.
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 credit5 of 0.25% of the loan amount deducted from the closing costs of your new first mortgage, up to a maximum of $1,000.6 This offer is not valid on a Smart Refinance.
Explore articles about home improvement tips and smart ways to spend your money.
Should I refinance my mortgage?
What’s the refinance process?
When is the right time to refinance?
Equal Housing Lender