US Mortgage - Programs

At US Mortgage we have all the mortgage products to meet the specific needs of your family. Just speak to one of our expert mortgage consultants to learn more about these loans and to choose the one that's right for you!

Our loan products are available for both purchases and refinances. Special programs exist for individuals purchasing their first home who meet certain criteria. Refinanced mortgages may be approved for rate and term reductions, loan consolidations, and cash-out transactions.

Conventional Loans

Conventional loans come in a wide variety and offer some of the most competitive rates and terms. Geared towards those with easily-verifiable income and assets, and a good credit history, they are available for the purchase or refinance of one-to-four family properties.

Loan options typically include fixed rate and adjustable rate loans with a 5% minimum down-payment/ equity, Flex 97 and Flex 100 loans with 3% and $500 minimum down-payment requirements and InterestFirst loans, which are available in either fixed or adjustable programs.

Jumbo Mortgages

With home prices soaring in many parts of the country, a conventional mortgage often doesn't provide adequate funds to purchase the home you choose. A jumbo or super jumbo mortgage may be required to meet your needs. In most cases, a small increase in the interest rate is required for jumbo mortgages, the amount of which is determined by loan size, equity, credit and documentation. A home loan is classified as a Jumbo Mortgage if it is between $417,000 and $650,000 (for the year 2008) and a Non-Conforming Jumbo if it exceeds $650,000.

Alternate Documentation

If you're self-employed or otherwise having difficulty documenting your income and/or assets, US Mortgage may be the lender who can provide you with a mortgage. We offer competitive rates and terms on no-documentation, stated income and stated asset loans. Our programs combine quick approvals, an easy application process and interest rates that make an alternative documentation loan a very affordable option to applicants.

Flexible Credit Programs

Every borrower doesn't have perfect credit. With this in mind, US Mortgage has a product line geared towards individuals with some past credit issues. We offer FHA loans, Fannie Mae Expanded Approval loans, and other flexible products made available through different investor groups. A consultation with one of our knowledgeable loan officers will provide a review of your current situation, an assessment of your needs and a determination of what products may be available to you.