Want to refinance your mortgage for a lower rate, different loan terms, or to get cash out? A U.S. Bank Smart Refinance may be for you. This no-closing-cost refinance option comes with a straightforward application process and flexible terms. You can even start your Smart Refinance application online and close in any U.S. Bank branch.

Also watch out for banks that "bundle" your closing costs on top of your loan amount, increasing the size of your loan, effectively making it a "no-cash loan." Though you may avoid out-of-pocket expenses and upfront fees, these costs are not lender-paid, and the loan is not a true no cost loan.

Cash-out Refinance You can use the built up equity in your home to get cash using a cash-out refinance . A cash-out refinance is a new loan for the amount of your mortgage plus up to 80% of the loan-to-value ratio that you would receive as cash.

The closing costs on a refinance typically run about $4,000 for costs like appraisal, underwriting and processing fees. The good news: You can score a no-closing cost refinance. Read on to learn how.

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Cash out refi: Use this calculator if you knowhow many months you paid on your original loan & how much you would like to cash out. You do not need to know your current outstanding loan balance to use this calculator as it is automatically calculated using the loan’s amortization schedule.

Or you may be weighing a cash-out refinance to tap equity for repair or renovation. The break-even point is where you recoup what you spent on refinancing closing costs in the form of money saved.

 · A cash-out refinance differs from a traditional refinance in one big way: With a cash-out version, you are refinancing for more than what you owe on your existing mortgage. Say your home’s current value is $200,000 and you owe $100,000 on your existing mortgage loan .

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For many homebuyers, these upfront costs put refinancing out of reach.. come up with several thousand dollars in cash to close on your refinanced mortgage.

Home Refinance Options Not every mobile home will meet the standards for an FHA loan. hud housing counseling agency Keep in mind that the FHA isn’t your only option for government-insured loans. The Department of.