Over 24 Years of Experience

Expert Mortgage Consultants

Fast & Easy Processing

Unconventional Solutions


usmtg.com is the online brand for NP, Inc. We are a full service lender whose primary focus is to serve our customers with competitive products, programs, and pricing. We pride ourselves on a higher level of continued service throughout the financing process.

We can assist you with qualifying and obtaining the mortgage plan best suited for your needs and lifestyle.

We specialize in delivering unconventional solutions to find you the best mortgage. While we have unparalleled experience in working with high net worth individuals, we are known for treating all of our clients with our white glove concierge mortgage services.

  • High Debt to Income Ratios Allowed
  • 95% on Primary Condos
  • 1 Year of Self-Employed Tax Returns
  • Escrow Holdbacks for Repairs
  • Interest Only on Conventional Products




Over 24 Years of Experience

Great Group of Loan Officers

Wide Variety of Programs

Excellent Customer Service

Fast & Easy Processing

Over 24 Years of Home Lending Experience

Loan Officers obsessed with exceptional customer service

Unique lending programs for all types of borrower situations

Quick to the closing table

Simple and easy processing

Client Reviews



Renting a single-family house just got more expensive

Anyone out shopping for an entry-level home knows the prices are high and the pickings are slim. Now, the same is holding true for rentals. As more Americans find it harder to afford a home, rental demand is soaring, especially for single-family homes. The supply of rental homes is shrinking, and that continues to push…

Credit Cards

First-time homebuyers are making a comeback

First-time homebuyers are making a comeback this year as they made up 39% of all buyers in the single-family housing market during the third quarter, according to the third quarter First-Time Homebuyer Market Report from Genworth Financial. First-time homebuyers also made up 55% of all purchase mortgages. This is significantly higher than their historical average, which,…

Housing Mortgage Trends

10 Housing and Mortgage Trends for 2020

Mortgage rates will remain low in 2020, affordable homes for sale will remain scarce, and boomers will remain in their homes and build equity that they won’t borrow from. But not everything in 2020 will be a continuation of 2019: People shopping for FHA loans might find more lenders competing for their business, and change…

Millennial Counties

Homebuilders aren’t keeping up with millennials

While the majority of both single- and multifamily home construction is in millennial-dense counties, it actually lags the rest of the nation when it comes to meeting demand. Millennial counties, defined as geographic areas where at least a quarter of the population consists of this demographic group, account for 62% of the entire U.S. population,…