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Ready to refinance?
We're ready to help.

Mortgage refinancing for any need.

Whatever your goal is for refinancing your home, our mortgage and home equity specialists can help you find potential ways to:

  • Lower Your Monthly Payment Expense
  • Shorten the Term of Your Loan
  • Switch to a Fixed-Rate Mortgage
  • Get Cash Out of Your Home

Compare Refinance Rates

We offer competitive rates for a variety of refinance options, including VA and FHA refinancing.


See Today’s Rates

Refinancing that's right for you.

Traditional Refinance

U.S. Bank offers competitive rates, and our mortgage loan originators are ready to help – in person, on the phone or online.

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Streamline Refinance

Already have a mortgage with U.S. Bank?
You may qualify for faster loan approval and lower rates.

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Cash-Out Refinance

Looking for a new mortgage, plus extra cash? A cash-out refinance can get you funds at closing.

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A special program for smaller loans.

Smart Refinance

Do you want to refinance less than $150,000? You may be eligible for a Smart Refinance, which may save you money – and even provide funding for a major purchase or one-time expense.

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Help for Underwater Mortgages

If you want to refinance but your home has declined in value, you may have options under the Making Home Affordable Program. U.S. Bank participates in the HARP program and the HAMP program and may be able to help.

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Should I Refinance My Mortgage?

Refinancing your mortgage could save you money, help you pay off your home faster, and unlock the equity in your home – if the time is right. Make sure you know when to refinance and how timing should factor into your decision to refinance.

Learn More

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. Our Home Equity Selector can help you sort through the options.

Help Me Choose

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