What are you looking to do?

Refinancing a mortgage with U.S. Bank can help you change terms, lower monthly payments and reduce your interest rate. We offer a variety of home refinancing options and are ready to help you find the right choice for your needs.

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.


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.


See our competitive rates

Work toward 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

A traditional rate and term only refinance may help you lower your rate or change your loan terms. 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

Customer credit offer

Already have a first mortgage with U.S. Bank? You may qualify for a customer credit.1 Take 0.25% of your next first mortgage and deduct it from the closing costs, up to a maximum of $1,000 off.2


Get started

Apply Find a mortgage loan officer

You can also call 855-815-8894 or request a call.

Get the most out of your home.

Smart Refinance

Looking to fund a one-time expense? A Smart Refinance may save you time and money, with competitive fixed rates and no closing costs.3

Apply now Visit a branch

You can also call 866-829-2347.

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.