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Home Purchase

Mortgage Home Purchase Loans without the Hassle!

Need financing options on a home, or other real estate? Choosing a purchase loan product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole.

We’re here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE pre-approval letter request.

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.

US Lender can help you with your home purchase!

The Home Purchase Loan Process

Here’s how our home purchase loan process works:
  • Complete our simple mortgage pre-approval letter request
  • Receive options based on your unique criteria and scenario
  • Compare mortgage interest rates and terms
  • Choose the offer that best fits your needs

Do I Qualify?

To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of “28/36.” This means that no more than 28% of your total monthly income (from all sources, before taxes) can go toward housing, and no more than 36% of your monthly income can go toward your total monthly debt (including your mortgage payment).

Which Loan Option is Best for Me?

Whether you are a first-time homebuyer or an experience homeowner, US Lender can help guide you through the process. The following are several things to consider in guaranteeing your best loan option:

I am a Veteran or actively serving

The U.S. Department of Veteran Affairs helps Veteran, service members and eligible surviving spouses to become homeowners.  To be eligible, you must have satisfactory credit, sufficient income to meet the expected obligations, and a valid Certificate of Eligibility.

VA Loan Option

I have a down payment of 20% or more

A larger the down payment offers a lower risk to lender, so you can get some of the most favorable loan terms with loan at or below 80% loan-to-value on conventional loans.

30-Year Fixed Rate Option
15-Year Fixed Rate Option

I have at least 5% available for a down payment

Traditionally, the only loan programs under 5% down payment were FHA and VA loans.  Today, with down payment assistance programs, we have loans available with 0% down, 1% down with NO mortgage insurance, and up to 5% for more traditional conventional financing.  A conforming loan is a mortgage that is not guaranteed or insured by any government agency, including the Federal Housing Administration (FHA) and Department of Veteran Affairs (VA). Conforming loans meet guidelines such as loan limits that are set by government-sponsored enterprises (GSE), Fannie Mae or Freddie Mac.

FHA Loan Option

I need a Jumbo Loan

When a loan amount reaches a certain limit, Jumbo loans offer financing that a conforming loan cannot, based on the maximum conforming loan amount, which varies by county.  Historically, Jumbo financing was limited to only those with large down payments and near perfect credit.  Today, we offer loan programs with a maximum loan amount to $2 million dollars for borrowers that have credit scores as low as 500, with as little as 5% down.  In addition to recent housing events, such as bankruptcy, foreclosures, and short-sales.

Jumbo Loan Option

I want to purchase a home in a rural area

This program assists in providing low-and moderate-income households the opportunity to purchase a primary residence in an eligible rural area. The USDA loan program is for homebuyers wishing to purchase a home outside in an eligible rural area as their primary residence.

USDA Loan Option

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