Compare your refinance loan options.
Reduce your interest rate and term
Access to cash as you 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.
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At U.S. Bank, our years of industry expertise and breadth of product options aren’t all we have to offer. 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.
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It is possible to refinance your mortgage without closing costs. These loans are generally referred to as no-cost refinance loans, where lenders cover the fees typically associated with closing costs. Our Smart Refinance loan is an option that could help you save on your refinance.