Compare rates for the refinance loan options below.

The following tables are updated daily with current refinance rates for the most common types of home loans. Search for rates by state or compare loan terms to find the product that’s right for you.

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These rates, APRs, monthly payments and points are current as of 06/10/2026 and may change at any time. They assume you have a FICO^® Score of 740+ (680+ for FHA loans) 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  in exchange for a lower interest rate. Connect with a  to learn more about mortgage points.

Compare a variety of mortgage types by selecting one or more of the following.

The rates shown  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 , by starting it online or by meeting with a mortgage loan officer.

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 through U.S. Bank National Association. Deposit products are offered through U.S. Bank National Association. Member FDIC.

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.

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. 

Conforming fixed-rate loans: The annual percentage rate (APR) calculation assumes a $405,000 fixed-term loan with 25% borrower equity and borrower-paid finance charges of 0.862% of the loan amount, plus origination fees if applicable. If the borrower equity is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Conforming rates are for loan amounts not exceeding $832,500 ($1,249,125 in Alaska and Hawaii).

Conforming fixed-rate estimated monthly payment and APR example: A $405,000 loan amount with a 30-year term at an interest rate of 6.750% with borrower equity of 25% and no discount points purchased would result in an estimated monthly principal and interest payment of $2,626 over the full term of the loan with an annual percentage rate (APR) of 6.920%.

Estimated monthly payment and APR calculation are based on borrower equity of 25% and borrower-paid finance charges of 0.862% of the base loan amount. If the borrower equity 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.

Conforming ARM loans: Adjustable-rate loans and rates are subject to change during the loan term. That change can increase or decrease your monthly payment. The annual percentage rate (APR) calculation assumes a $405,000 loan with 25% borrower equity and borrower-paid finance charges of 0.862% of the loan amount, plus origination fees if applicable. If the borrower equity is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Conforming rates are for loan amounts not exceeding $832,500 ($1,249,125 in Alaska and Hawaii).

Non-conforming ARM loans: Adjustable-rate loans and rates are subject to change during the loan term. That change can increase or decrease your monthly payment. The annual percentage rate (APR) calculation assumes a $940,000 loan with a 25% borrower equity and borrower-paid finance charges of 0.862% of the loan amount, plus origination fees if applicable. If the down payment is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Non-conforming rates are for loan amounts exceeding $832,500 ($1,249,125 in Alaska and Hawaii).

ARM estimated monthly payment and APR example: A $405,000 loan amount with a 30-year term at an interest rate of 6.750% with borrower equity of 25% and no discount points purchased would result in an initial estimated monthly principal and interest payment of $2,626 with an annual percentage rate (APR) of 6.920%.

Estimated monthly payment and APR calculation are based on a fixed-rate period of five years that could change in interest rate every six months for the next 25 years, borrower equity of 25% and borrower-paid finance charges of 0.862% of the base loan amount, plus origination fees if applicable. After the five-year introductory period: the APR is variable and is based upon an index plus a margin. The APR will vary with a predetermined index known as the Secured Overnight Financing Rate (SOFR). If the borrower equity 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. Adjustable-rate loans and rates are subject to change during the loan term. That change can increase or decrease your monthly payment.

FHA loans: The annual percentage rate (APR) calculation assumes a $270,019 fixed-term loan ($265,375 base amount plus $4,644 upfront mortgage insurance premium) with 3.5% borrower equity, monthly mortgage insurance premium of $176.30, and borrower-paid finance charges of 0.862% of the base loan amount, plus origination fees if applicable.

FHA estimated monthly payment and APR example: A $265,375 base loan amount with a 30-year term at an interest rate of 6.250% with borrower equity of 3.5% and no discount points purchased would result in an estimated monthly principal and interest payment of $1,663 over the full term of the loan with an annual percentage rate (APR) of 7.478%.

Estimated monthly payment and APR calculation are based on borrower equity of 3.5% and borrower-paid finance charges of 0.862% of the base loan amount. Estimated monthly payment and APR assumes that the upfront mortgage insurance premium of $4,644 is financed into the loan amount. The estimated monthly payment shown here does not include the FHA-required monthly mortgage insurance premium, taxes and insurance premiums, and the actual payment obligation will be greater.

VA loans: The annual percentage rate (APR) calculation assumes a $305,059 fixed-term loan ($298,200 base amount plus $6,858 VA funding fee) with 14.8% borrower equity and borrower-paid finance charges of 0.862% of the base loan amount, plus origination fees if applicable.

VA estimated monthly payment and APR example: A $305,059 base loan amount with a 30-year term at an interest rate of 6.250% with 14.8% borrower equity and no discount points purchased would result in an estimated monthly principal and interest payment of $1,878 over the full term of the loan with an annual percentage rate (APR) of 6.552%.

Estimated monthly payment and APR calculation are based on borrower equity of 14.8% and borrower-paid finance charges of 0.862% of the base loan amount, plus origination fees if applicable. Estimated monthly payment and APR assumes that the VA funding fee of $6,858 is financed into the loan amount. Estimated monthly payment does not include amounts for taxes and insurance premiums and the actual payment obligation will be greater.

Jumbo loans: The annual percentage rate (APR) calculation assumes a $940,000 fixed-term loan with 25% borrower equity and borrower-paid finance charges of 0.862% of the loan amount, plus origination fees if applicable. If the borrower equity is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Jumbo rates are for loan amounts exceeding $832,500 ($1,249,125 in Alaska and Hawaii).

Jumbo estimated monthly payment and APR example: A $940,000 loan amount with a 30-year term at an interest rate of 5.625% with borrower equity of 25% and no discount points purchased would result in an estimated monthly principal and interest payment of $5,411 over the full term of the loan with an annual percentage rate (APR) of 5.784%.

Estimated monthly payment and APR calculation are based on borrower equity of 25% and borrower-paid finance charges of 0.862% of the base loan amount. If the borrower equity 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.