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These rates and APRs are current as of $date and may change at any time. They assume you have a FICO® Score of 740+ and a specific amount of equity as noted below for each product. They also assume the loan is for a single-family home as your primary residence and you will purchase up to one mortgage discount point in exchange for a lower interest rate. Connect with a mortgage loan officer to learn more about mortgage points.

Conventional fixed-rate refinance loans

These fixed-interest-rate loans allow you to keep your principal and interest payments consistent for the life of the loan.

Consider if you:

  • Plan to stay in your home for a long time
  • Have an established credit history
  • Can put at least 5% down on a home

Conforming adjustable-rate mortgage (ARM) refinance loans

Rates for this type of loan are typically lower during the initial rate period of five, seven or 10 years than rates for fixed-rate loans.

Consider if you:

  • Know you’ll be moving within the next few years
  • Have an established credit history
  • Can put at least 10% down on a home

Jumbo adjustable-rate mortgage (ARM) refinance loans

These loans feature lower rates during the initial rate period of five, seven or 10 years compared to fixed-rate loans.

Consider if you:

  • Know you’ll be moving within the next few years
  • Have an established credit history
  • Can put at least 10% down on a home

Federal Housing Administration (FHA) refinance loans

These typically have more flexible lending requirements than conventional refinance loans.

Consider if you:

  • Have limited funds for a down payment
  • Don’t have an established credit history or have experienced credit challenges in the past

Veterans Affairs (VA) refinance loans

These government-backed loans are for active or retired members of the military or their spouses, and offer low or no down payment options.

Consider if you:

  • Are an active military member or a veteran
  • Are the surviving spouse of a service member who died as a result of military service

Jumbo refinance loans

These loans offer increased purchase limits and competitive rates for higher-priced properties.

Consider if you:

  • Are buying a home that exceeds the conforming loan limit of $726,200 and up to $1,089,300 in high-cost areas like Alaska and Hawaii
  • Have an established credit history
  • Want a low down payment option
Learn more
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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 rates 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. Annual percentage rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. The APR may be increased after the closing date for adjustable-rate mortgage (ARM) loans.

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The rates shown above are the current rates for the refinance of a single-family primary residence based on a 45-day lock period. These rates are not guaranteed and are subject to change. This is not a credit decision or a commitment to lend. Your final rate will depend on various factors including loan product, loan size, credit profile, property value, geographic location, occupancy and other factors.

To lock a rate, you must submit an application to U.S. Bank and receive confirmation from a mortgage loan officer that your rate is locked. An application can be made by calling 888-291-2334, by starting it online or by meeting with a mortgage loan officer.

Minnesota properties: To guarantee a rate, you must receive written confirmation as required by Minnesota Statute 47.206. This statement of current loan terms and conditions is not an offer to enter into an interest rate or discount point agreement. Any such offer may be made only pursuant to subdivisions 3 and 4 of Minnesota Statutes Section 47.206.