If you owe less than $150,000 on your home and want to refinance your mortgage for a lower rate, different loan terms or to get cash out, a U.S. Bank Smart Refinance may be for you. This no-closing-cost1 refinance option comes with a straightforward application process and flexible terms. You can even start your Smart Refinance application online and close in any U.S. Bank branch.Apply Now | View Rates
A Smart Refinance gives you competitive fixed rates, plus the opportunity to tap into your home's equity for major purchases, debt consolidation and other one-time needs.
A Smart Refinance comes with no points, fees or closing costs1 – and you can maximize your savings by locking in to a competitive interest rate with terms of up to 20 years.
You can apply online, over the phone or in any branch. Your loan closing will be at a U.S. Bank branch.
More Ways to Borrow: A Smart Refinance is a popular way for qualified homeowners to finance one-time borrowing needs, but there are other home equity options to consider.
More questions? Check out our Smart Refinance FAQs, or give us a call at 866-829-2347.
Ready to get started? You can start your Smart Refinance application online or on the phone and close at any U.S. Bank branch.
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