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	Products & Services > Loans & Credit Lines > U.S. Bank Smart Mortgage Refinance

U.S. Bank Smart Mortgage Refinance

With a U.S. Bank Smart Refinance loan you can refinance your existing mortgage without the extra expenses incurred with standard mortgage products. Apply for this valuable new option today, and enjoy:

Fixed interest rates with flexible terms up to 30 years.
Less paperwork, along with faster decision turn-around time.
No points, fees, origination or closing costs.
A convenient, streamlined process.
Loan closings at any U.S. Bank branch.

Now that's smart!

Smart Refinance isn't for everyone. In many cases, a traditional mortgage may be your best solution. A U.S. Bank Smart Refinance loan may be your best option if you:

Have a mortgage less than $125,000.
Own your home free and clear but still have financing needs.
Want a streamlined mortgage application with less paperwork.
Are seeking a no closing costs option.
Plan to sell your property or refinance in the future.

Apply Today

Call us toll-free at 888-444-BANK or 800-685-5065 (TDD)
Visit any U.S. Bank branch

Additional Resources for Home Equity Loans & Lines
Home Equity - Smart Refinance FAQs
Payment Protection

Home Equity Loans & Lines Application Information
About the Application and Closing Process
View Application Status

Home Equity Calculators
How much equity do I have available?
Should I consolidate my debt with a home equity loan?
What is the tax benefit of my home equity loan?
Should I use a home equity or auto loan to purchase a vehicle?

Contact Us

Call 888-444-BANK or 800-685-5065 (TDD)
Visit your local U.S. Bank branch

U.S. Bank Packages
Sign up for a package and receive preferred rates on new loans and Home Equity Lines of Credit. Plus, get other valuable benefits on our products and services. Learn more about U.S. Bank Packages.

5.25% fixed Annual Percentage Rate (APR) is available for 30-year first position mortgage refinances $40,000 to $150,000 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 360 months at 5.25% interest rate, monthly payments would be $220.88. 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. ©2010 U.S. Bancorp, U.S. Bank. Member FDIC.

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U.S. Bank Smart Mortgage Refinance

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