What do you want to consider first?

Remodel

Already looking for contractors

Move

Ready to start packing

Evaluate a remodel.

When you decide to improve the home you own, the primary expenses will come from the cost of materials and labor. But you may also need to figure in permits, architectural plans, potential hotel stays, eating out – or unexpected costs. It’s an investment in money and patience, but the payoff is an amazing refresh of the home you already love.

Start with the math.

Math is your friend here – and we have calculators to help! Make a list of the rooms you want to remodel. Then get a personalized estimate by answering a few quick questions.

What do you love about your current home?

If your home is filled with memories, or you can’t imagine a better neighborhood vibe, those things go on your “stay put” list. Same goes for a good commute to work, or a storage shed perfectly tailored to your favorite hobbies.

Can you live in a construction zone?

Both moving and remodeling are stressful, but in different ways. Depending on the scale of your remodel, you may be ordering takeout for days on end, or even staying in a hotel. How much ongoing disruption you can handle?

Consider your financing options.

Whether you want to tap into your home equity, get cash from a refinance or take out a personal loan, you’ve got choices. Check out the home improvement financing options that we offer.

Plot out a move.

Buying a new-to-you home is a big investment. Along with buying something new, there’re also the costs of sprucing up your current home for selling, agent commissions, moving, new items for your new space, and – again – unexpected costs. But there’s nothing like unlocking your new front door for the first time.

Think about your perfect home – and home loan.

You’ve probably already started to consider where you’d like to live, and what kind of home you want. But considering what type of loan will get you into that home is also important. With U.S. Bank, there are mortgage options for many situations.

What does your new home need to have?

Maybe your current house is too small to hold your growing family or increasing number of rescued pets. Or maybe remodeling your current house won’t improve its value enough to be worth it. Moving means you can find something more perfect.

How flexible is your moving timeline?

Moving may keep you from living in a construction zone, but there’s a lot that goes into buying a new home – while trying to sell your current one. Look through our step-by-step guide on homebuying for a refresher. Then make your own selling and buying timeline.

Consider your mortgage options.

Check out our mortgage rates and compare your home loan options.

Our goal is to give you exceptional value and service.

Our dedication to customer satisfaction and doing what’s right makes us a partner you can trust. Some of our recent notable honors include:

 

  • U.S. Bank earned the top honor for digital mortgage lending tools by Kiplinger. 1
  • We were recognized by Fortune magazine as one of the 2022 World’s Most Admired Companies, and were named No. 1 in the Superregional Banks industry category for the 12th consecutive year.2
  • U.S. Bank was named one of the World’s Most Ethical Companies® by the Ethisphere Institute for the eighth year in a row.3
  • We ranked No. 11 on the 2023 DiversityInc Top 50 list, marking our fifth consecutive year on the list.4
Learn more about our commitment to serving you

Explore more articles to help your decision.

Uncover the cost of a renovation.

There are some common costs to budget for when you’re doing a remodel or a renovation.

Watch a video about the costs

Make an informed choice.

Whether you’re buying new or remodeling, understanding your options is key.

Learn more about your options

Prepare your home for selling.

Get your house ready to go on the market with this step-by-step guide.

Review the steps to sell a house

Take the next step

Prequalify
Start your application
Request a call
Find a mortgage loan officer
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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 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.

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  1. Gerstner, L 2020, ‘Financial Service Firms That Treat You Like a Star’, Kiplinger’s Personal Finance, pp. 65-71.

  2. Industry executives, directors, and analysts from 660 companies in 29 countries, with revenues of $10 billion or more, were surveyed by Korn Ferry in collaboration with Fortune Magazine for their 2024 list. Survey responders rated their industry peers who paid a fee to be considered on nine criteria: management quality, people management, use of corporate assets, financial soundness, investment value, social responsibility, innovation, quality of products/services, and global competitiveness. Rankings were determined by an aggregate of how peers ranked the company in each of the key attribute categories. Companies that scored in the top half of their industry were recognized. Get more detail about the selection methodology.

  3. U.S. Bank named one of the “World’s Most Ethical Companies®” Ethisphere Institute, February 2024 (also 2015–2023); for more information about the ‘World’s Most Ethical Company’ designation and scoring methodology, please visit www.worldsmostethicalcompanies.com.

  4. On DiversityInc’s Top 50 Companies for Diversity list, U.S. Bank ranks No. 11 on the overall Top 50 list (up from No. 17 last year) and is the No. 1 ranked bank on the list. The company also placed on more than a dozen specialty lists, including Top Companies for Philanthropy, Top Companies for LGBTQ and Top Companies for Supplier Diversity.

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