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U.S. Bank Smart Mortgage Refinance

If you owe less than $150,000 on your mortgage and want to refinance, a U.S. Bank Smart Refinance features no costs an easy application process, flexible terms and potential tax advantages.

Smart Refinance benefits include:

  • Fixed interest rates
  • No points, fees, origination or closing costs
  • Less paperwork and a faster decision time
  • The convenience of loan closings at any U.S. Bank branch
  • Free set-up of bi-weekly payments.
Apply Now | View Rates

Interest Rates

Terms

  • Maximize your savings by refinancing into a low-term mortgage.
  • Flexible terms up to 240 months (20 years).

Fees and Costs

  • No points, fees, origination or closing costs.

Other Ways to Borrow

Four Ways to Get Started

By Phone

866-829-2347

Online
By Request
Contact Me
In Person
Find a Branch
See
My Saved Application
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Flexible and affordable

Home Equity Line of Credit rates are as low as 3.99% APR.

Market Rate

Four Ways to Get Started

By Phone

866-829-2347

Online
Apply Now
By Request
Contact Me
In Person
Find a Branch

  1. 4.50% fixed Annual Percentage Rate (APR) is available for 20-year first position mortgage refinances $40,000 to $250,000 with loan-to-value of 70% or less or 80% or less depending on market. Higher rates may apply for higher LTV or other loan amount. Automatic payments from a U.S. Bank Package required. Loan payment example: on a $40,000 loan for 240 months at 4.50% interest rate, monthly payments would be $253.06. No customer paid closing costs, APR is 4.50%. Payment example does not include amounts for taxes and insurance premiums. The monthly payment obligation will be greater if taxes and insurance are included and an initial customer deposit may be required if an escrow account for these items is established. Offer is subject to normal credit qualifications. Rates are subject to change. Property insurance is required. Consult your tax advisor regarding the deductibility of interest. Home Equity loans and lines of credit are offered through U.S. Bank National Association ND. ©2012 U.S. Bancorp, U.S. Bank. Member FDIC. Equal Housing Lender

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  2. 5.25% fixed Annual Percentage Rate (APR) is available for 20-year first position home equity installment loans $40,000 to $250,000 with loan-to-value of 70% or less or 80% or less depending on market. Higher rates apply for higher LTV or other loan amount. Automatic payments from a U.S. Bank Package required. Loan payment example: on a $40,000 loan for 240 months at 5.25% interest rate. Monthly payments would be $269.54. No customer paid closing costs, APR is 5.25%. Payment example does not include amounts for taxes and insurance premiums. The monthly payment obligation will be greater if taxes and insurance are included and an initial customer deposit may be required if an escrow account for these items is established. Offer is subject to normal credit qualifications. Rates are subject to change. Property insurance is required. Consult your tax advisor regarding the deductibility of interest. Home Equity loans and lines of credit are offered through U.S. Bank National Association ND. ©2012 U.S. Bancorp, U.S. Bank. Member FDIC. Equal Housing Lender

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