We’ll help make homebuying as stress-free as possible.

Ways to save

Take 0.25% of your new first mortgage loan amount and deduct it from your mortgage closing costs, up to a maximum of $1,000.1 Calculate your savings.

Industry-leading technology

Find your new home with confidence through our industry-leading technology. Work on your digital loan application at your own pace. Later, when it’s time to close on your home loan, you can choose to eClose, and do most of your closing paperwork online. And you can count on our mortgage loan officers for assistance whenever you need it.

Dedication to ethics

  • U.S. Bank has been named one of the World’s Most Ethical Companies® by the Ethisphere Institute for the ninth consecutive year.2
  • Fortune named U.S. Bank one of the 2023 World’s Most Admired Companies.3
  • U.S. Bank was again named to DiversityInc’s Top 50 Companies for Diversity list.4

Take the next step.

Start your application.

We’ll confirm your personal and financial information, pull your credit and connect you with a mortgage loan officer to discuss the results.

Chat with us.

Our experienced mortgage loan officers are ready to answer your homebuying questions.

Calculate your estimated monthly mortgage payment.

Monthly payment calculator

Your monthly mortgage payment is determined by a number of factors, like purchase price, down payment, interest rate, loan term, property taxes and insurance. This calculator provides an estimate of what your mortgage payment could be each month based on the information you provide. The results will give you a better idea of what your financial picture could be.

Please fix the following items to continue:

  • Enter a home price that’s $2,000,000 or less.
  • The down payment must be lower than the home price.

Enter a home price that’s $2,000,000 or less.

0%

The down payment must be lower than the home price.

PAYMENT BREAKDOWN

See an estimated conforming fixed-rate payment and APR example for a purchase transaction.5

Refinance calculator

Refinancing your mortgage may help you lower your monthly payment, reduce your interest rate, change terms or get access to cash for major purchases. This calculator provides an estimate of how much you could save based on the information you provide. The results will help you determine if refinancing your mortgage is right for you.

Savings calculator

You may be eligible for a customer credit on the closing costs of your next mortgage. Take 0.25% of your next first mortgage loan amount and deduct it from the closing costs, up to a maximum of $1,000.1 Calculate how much you could save with this special offer.

$
Please enter an amount between $1,000 and $3,000,000.
Potential closing cost savings $0

We’re here to help.

With our streamlined application process, you can start your application using your phone, laptop or other portable device. If you have any questions along the way, an experienced mortgage loan officer is just a phone call away.

Real people, real-world reviews

Get insights from people who have worked with us.

I was impressed with the U.S. Bank Mortgage customer experience and would both recommend U.S. Bank and give the highest marks! There were a few speedbumps along the way, but the U.S. Bank team managed everything both timely and professionally!

- James R.

Thank you so much for all of your help with this — I can’t thank you enough for going above and beyond! My wife and I are very grateful and would not be able to close on our house today if it wasn’t for all that you have done!

- Ryan M.

Through all the chaos and trials, working with you has been the one thing that has remained consistently over-the-top professional and on point. It has been so helpful to know that we were in such great and competent hands.

- Kevin R.

No matter where you’re headed, we’ve got you covered.


We provide loans in all 50 states and offer a variety of options to choose from, including:

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Disclosures

Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rate and program terms are subject to change without notice. Mortgage, home equity and credit products are offered by U.S. Bank National Association. Deposit products are offered by U.S. Bank National Association. Member FDIC.

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  1. To be eligible for the U.S. Bank Corporate Programs customer credit, you need to be employed by, a member of, or affiliated through a participating U.S. Bank Corporate Programs client. For purchase or refinance transactions, the maximum customer credit is $1,000. Certain mortgages may not be eligible for stated credits. Offer may not be combined with any other mortgage offers and can only be applied once per property within a 12-month period. Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rates and program terms are subject to change without notice.

  2. U.S. Bank named one of the “World’s Most Ethical Companies®” Ethisphere Institute, February 2023 (also 2022, 2021, 2020, 2019, 2018, 2017, 2016 and 2015); for more information about the ‘World’s Most Ethical Company’ designation and scoring methodology, please visit www.worldsmostethicalcompanies.com.

  3. Industry executives, directors, and analysts from 680 companies, including 12 superregional banks, with a minimum of $10 billion in annual revenue were surveyed by Korn Ferry in collaboration with Fortune Magazine. Survey responders rated their industry peers who paid a fee to be considered on nine criteria: management quality, people management, use of corporate assets, financial soundness, investment value, social responsibility, innovation, quality of products/services, and global competitiveness. Rankings were determined by an aggregate of how peers ranked the company in each of the key attribute categories. Companies that scored in the top half of their industry were recognized. Get more detail about the selection methodology.

  4. On DiversityInc’s Top 50 Companies for Diversity list, U.S. Bank ranks No. 11 on the overall Top 50 list (up from No. 17 last year) and is the No. 1 ranked bank on the list. The company also placed on more than a dozen specialty lists, including Top Companies for Philanthropy, Top Companies for LGBTQ and Top Companies for Supplier Diversity.

  5. Conforming fixed-rate estimated monthly payment and APR example: A $464,000 loan amount with a 30-year term at an interest rate of 6.500% with a down payment of 25% and no discount points purchased would result in an estimated monthly principal and interest payment of $2,933 over the full term of the loan with an annual percentage rate (APR) of 6.667%.

    Estimated monthly payment and APR calculation are based on a down payment of 25% and borrower-paid finance charges of 0.862% of the base loan amount. If the down payment is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Estimated monthly payment does not include amounts for taxes and insurance premiums and the actual payment obligation will be greater.

  6. Must qualify at note rate. Temporary interest rate reduction buydown feature will be reflected as a payment adjustment on the mortgage statement for the first 12 months. Temporary buydown available on 1-unit purchase transactions only. Receive an interest rate reduction for first 12 monthly principal and interest payments. Beginning with the 13th mortgage payment through the end of the loan term, the interest rate reverts to the original interest rate when the loan originally closed.

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Calculators are provided by Leadfusion. This calculator is being provided for educational purposes only. The results are estimates that are based on information you provided and may not reflect U.S. Bank product terms. The information cannot be used by U.S. Bank to determine a customer's eligibility for a specific product or service. All financial calculators are provided by the third-party Leadfusion and are not associated, controlled by or under the control of U.S. Bank, its affiliates or subsidiaries. U.S. Bank is not responsible for the content, results, or the accuracy of information.

Visit usbank.com to learn more about U.S. Bank products and services.

“World’s Most Ethical Companies” and “Ethisphere” names and marks are registered trademarks of Ethisphere LLC.