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Never be stuck with a HIGH rate again. Do a loan with US or you can even join and get full benefits, before your first loan
Join Lowest Rate for Life Click to view Join Lowest Rate for Life

ALERT: Rates are highly volatile now!
Buy or Refinance your home before prices increase! 5.75% 30yrs Fixed!

Buy a home with confidence

Refinance to save money every month or get a HELOC for any need and remove the worry of trying to time rates when you’re guaranteed the Lowest Rate for Life™  


Lock in your savings today and if the market improves, you can lower your rate without ANY Lender fees (including appraisal) on all future loans! 

Get a quote with confidence. We have helped tens of thousands of customers since 1996 and have a BBB A+ rating! 

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Apply now Click to Apply now

Never be stuck with a high interest rate again!

With Lowest Rate for Life™, you’re guaranteed below market rates without any lender fees, for the life of your loan. Dont want to commit to a small monthly fee? Thats OK too we offer this to our customers for FREE! Its included with every 1st mortgage loan we do and even many of our HELOC loans too.

What does that mean? It means is that if the current market interest rate is lower than yours, even as little as 1/2%, you can refinance your home with us...without incuring additional lender or appraisal fees, and use this as many times as you’d like.  It protects you from any future increase but also give you the benefit from any future decrease to rates. Its so unique we trademarked it!

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
Sign up for Club USM Click to Sign up for Club USM

There are two ways to be part of Lowest Rate for Life...

1.

Sign up for Club USM, with guaranteed approval, or...
Enroll now Click to Enroll now

2.

...Purchase, Refinance or get a Fast & Easy HELOC. It’s that simple.
Start an application Click to Start an application

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. And have been helping homeowners for nearly 30 years.
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We’re experienced.

We’ve been in business for over 29 years, and we are familiar with a wide variety of loan programs and solutions 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 from 580 credit or lower case by case to high debt DTI ratios.
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We have happy customers.

We have a 99% customer satisfaction rating for our business, with many becoming repeat customers taking advantage of our Lowest Rate for Life™
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We can help.

Our personal mortgage advisors can help you navigate loans, interest rates, and programs as they change; credit, debt ratios, new job or 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 the market or rates. Our Lowest Rate for Life™ program means you'll never pay Lender or appraisal fees again! If rates fall, even as little as 1/2%, you can lower to market without the expense.

Hear what our customers have to say...

Part of our core company values - the best borrower experience and quickest closing times.

David McKune and Debbie Johnson did a wonderful job with my loan. David may have played in instrumental part in my actually getting the bid on my house accepted in the first place.

5-star
– Sonia L.

Made our refi painless

Paul from Brighton, CO

We worked with Heidi to refinance our home. She was easy to work with, responded to all our questions in a timely manner, and kept us well informed during the process. Best of all there were no surprises.

Paul N - Brighton CO

I have had the pleasure of working with Marcy 3 times over the past 6 years to address my mortgage needs, and I couldn't be more impressed with her expertise and professionalism. Thanks to her hard work and dedication I was able to secure exactly what I needed to achieve my mortgage goals. I highly recommend Marcy to anyone seeking outstanding service and results!

Gabriele G

The entire process from beginning to end was smooth. The team is very knowledgeable, professional and efficient. Thank you US Mortgages and team.

5-star
-Bernice G.

Heidi was - #1 Professional, she answered every question I had and when we were done, she asked if there was anything else I could think of. #2 she followed several times during the process to see if I needed anything or if anything else had come up. #3 she would randomly check in to make sure everything was in order and help me with any documents that they needed to close.

It was just an awesome experience!!

Adam C
Adam C

I queried 4 lenders before deciding on US Mortgages for my refinance. The process from initial contact to funding of my new loan was completed in 2 1/2 weeks!

5-star
– Carol H.

US Mortgages receives a full five stars from our family! David McKune and Debbie Johnson are rock stars in the Mortgage world. They both provided exemplary customer service.

5-star
– Kidron B.

Thad from Castle Rock, CO

Heidi and her team were terrific to work with. The communication was exceptional. Every step of the way went exactly as she said it would. There was no hard sell, Heidi laid out what they could do for us and our mortgage options in a straightforward manor. I would not hesitate to use the company again and will recommend her to anyone needing a mortgage.

Thad P

I had a great experience with US Mortgages. I got a great rate and considering the difficult times we are in the process was pain free.

5-star
– Will S.

My husband and I are extremely pleased with our experience with US Mortgage and especially the assistance we received from Zachary Gloyd.

5-star
-Mary L.

Never be stuck with a high interest rate again!

Sign up for Club USM Click to Sign up for Club USM