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Interest Rates Real Estate Home Loans Lowest Interest Rate Get home equity loan payment estimates with U.S. Bank's home equity loan calculator.. Interest rate and program terms are subject to change without notice .. A U.S. Bank personal checking account is required to receive the lowest rate, but.Commercial refinance loan rates real time Interest rates fixed rate for the life of a loan: Lower interest rate & less interest paid than a 30-year loan: pmi typically required if down payment is < 20%: Those who want to pay off their loan faster & pay less interest: 5/1 arm: fixed rate for 5 years, then may change every year thereafter: Lower interest rate for a set period of timeRefinance a Commercial Mortgage: Commercial Real Estate Loan. – Lower Rates: Taking advantage of lower rates is a great way for businesses to save money on the cost of their mortgage. If you have an adjustable rate mortgage on your commercial property and market rates drop, you may want to refinance your current mortgage into a mortgage with a lower rate – which could save you money.