See how much you could save by refinancing your mortgage.
Reduce your interest rate and term
Access to cash as you refinance
The rates shown are current as of $date.
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 monthly payment and APR examples.
Compare all mortgage loan options in one easy spot.
See how much you could save by refinancing your mortgage.
Find ways to pay for your home improvement project.
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 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
Refinance points are similar to standard mortgage points. They are a form of prepaid interest you can choose to pay up front in exchange for a lower rate.
When you refinance, you apply for a new mortgage to pay off your current one. Most people refinance to take advantage of lower rates, get lower monthly payments or tap into their home’s equity.