Compare your refinance loan options.
Reduce your interest rate and term
Access to cash as you refinance
No closing costs with flexible terms
Get rewarded for your loyalty.
If you have an existing U.S. Bank first mortgage or a U.S. Bank Personal Checking Package, you may be eligible for a customer credit4 of 0.25% of the loan amount deducted from the closing costs of your new first mortgage, up to a maximum of $1,000.5 This offer is not valid on a Smart Refinance.
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.