Don't wait to buy the perfect home.

Buy or refinance a home with confidence when you’re guaranteed the Lowest Rate for Life.

Never get stuck with a bad interest rate again.

With Lowest Rate for Life, you’re guaranteed the best interest rate for the life of your loan.

What does that mean? It means is that if the current interest rate is less than yours, you can refinance your home with us...for free.* As many times as you’d like. For free.

Even non-members can join our Club USM and enjoy the same benefits:

  • Lowest Rate for Life
  • Unlimited loan refinances
  • No risk to join
  • Guaranteed approval
  • Low monthly fee

There are two simple ways to lock in your Lowest Rate for Life:

1.

Sign up for Club USM, with guaranteed approval, or...

2.

...buy or refinance a home us. It’s that easy.

Why choose us?

Home loans can be difficult to navigate. Buying or refinancing a home is one of the most significant decisions you'll ever make. We are here to help.
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We are reputable.

We’re proud to maintain an A+ rating with the Better Business Bureau.
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We’re experienced.

We’ve been in business for over 25 years, and we are familiar with multiple types of loan programs that could work for you.
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We say yes.

When other lenders say no, we say yes. Our personal mortgage advisors can help even with less than perfect credit.
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We have happy customers.

We have a 99% customer satisfaction rating for our business, with many becoming repeat customers.
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We can help.

Our personal mortgage advisors can help you navigate loans, interest rates, and programs as they change; even a divorce you might be going through; and so much more.
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No more origination fees.

When you become our client, you will never have to worry about origination fees again. Our Lifetime Origination Guarantee™ means you'll never pay origination or appraisal fees on any future home financing needs.

Hear what our customers have to say.

Our principals are to strive the best borrowing experience and quickest closing times.

Never get stuck with a bad interest rate again.