Home equity line of credit (HELOC)
Take out funds over time, as you need them. A HELOC is similar to a credit, but rates are typically lower.
Consider if you:
You want ongoing access to funds
You want to keep your current mortgage Funds as you need them
Personal loan
Take control of your finances with a personal loan. U.S. Bank checking customers with credit approval may be able to borrow up to $50,0001. Those without a U.S. Bank account may be able to borrow up to $25,000.
Check your rate before completing a full application to see what you may be eligible to borrow. It won’t affect your credit score.
Consider if you:
You need to borrow less than $15,000
You don’t own a home or don’t want to use equity. Fixed rates and payments
Home equity loan
Get the funds you need all at once. You'll have the security of fixed-rate payments on principal and interest for the life of the loan.
Consider if you:
You need to borrow more than $15,000
You want to check on a better mortgage rateFixed rates and payments
Personal line of credit
Looking to tackle on financial goals with a little more flexibility? If you’re a current U.S. Bank checking customer, a personal line of credit can give you instant, ongoing access to funds as you need them.
Check your rate before completing a full application to see what you may be eligible to borrow. It won’t affect your credit score.
Consider if you:
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Lorem ipsum dolor sit amet ipsumInstant, ongoing credit access
Cash-out refinance
By replacing your current mortgage with a new one, you may be able to get a lower rate. You can also take out extra funds for your project or purchase when you close on your new loan.
Consider if you:
You need to borrow more than $15,000
You want to check on a better mortgage rate Refinance with access to cash
Cash-out refinance
By replacing your current mortgage with a new one, you may be able to get a lower rate. You can also take out extra funds for your project or purchase when you close on your new loan.
Consider if you:
You need to borrow more than $15,000
You want to check on a better mortgage rate Refinance with access to cash