Ready for a mortgage refinance? We're ready to help.

Prequalify online

Mortgage refinance options for many needs.

Whatever your goal is for refinancing a home, our mortgage loan officers can help you find potential ways to:

  • Lower Your Monthly Payment Expense
  • Shorten the Term of Your Mortgage 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.

View Rates | Learn More

Streamline Refinance

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

View Rates | Learn More

Cash-Out Refinance

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

View Rates | Learn More

A refinance option available through your local branch.

Smart Refinance

A convenient financing option to get the most out of your home. Refinance or get cash out with competitive fixed rates, terms up to 20 years, plus a no-cost-closing option with no points or fees, may save you time and money.

View Rates | Learn More

Help for Underwater Mortgages

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

Learn More

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

Skip Navigation: Internet Banking Login

Your browser's version is not compatible. Please upgrade your browser.
Cancel Icon

Unsupported Browser

Unsupported Browser

We've detected that you are currently accessing this site using an older version of Internet Explorer. We have not designed this site to support older versions of Internet Explorer. Therefore, you may encounter issues with how the site is displayed and how you can navigate through the site when using this older browser. We highly recommend you upgrade your current browser or download a new version of a different browser.

Upgrade Internet Explorer

Alternatively, you may want to download a new version of a different browser: