Compare your refinance loan options.
Reduce your interest rate and term
Access to cash as you refinance
No closing costs with flexible terms
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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.
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.