Membership has its perks.

For $49.99/month, you unlock the same benefits that U.S. Mortgages members enjoy, including your guaranteed Lowest Rate for Life.

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Investor Loans / DSCR

USM DSCR has its perks.

Easy Qualifying

Purchase or Refinance

No proof of income required

What is DSCR?

It’s a way for for property investors to accumalte wealth from real estate without relying on standard proof of income/ability to repay requirements. No Tax Returns, No W2s, No kidding! You can buy a home or refinance a current investment property solely based on the rental income from the property!

We make it fast and easy to help you enter, or grow, your real estate holdings.

Benefits for DSCR Investment loans:

No Proof of Income
No Taxes No W2s
Unlock Equity
Acquire addl properties

Close in 7 - 14 Days
Build your wealth
No limit on number of properties owned

What is Club USM?

It’s a way for non-members of U.S. Mortgages to enjoy the same benefits as those who have been our customers before.

Benefits for Club USM Members:

Lowest Rate for Life
Unlimited loan refinances
No risk to join

Guaranteed approval
Low monthly fee

Investor Property Financing made simple

Get Started Here Click to Get Started Here

PRODUCTS

DSCR Loans
Refinance
Purchase
Commercial Loans
Business Lines of Credit

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All loans subject to approval and change. DSCR loans require min FICO score of 620 but can be reduced to as low as 600 (on a case by case basis). No proof of income is required, No Tax Returns are required and is limited to investment properties only. Loans available in all states except the following, AZ, CA, ID, MI, MN, ND, NE, NV, NY, OR, SD, VA. VT, UT Equal housing lender license #392126 GOVT ID 25955-00000

PRODUCTS

Home Equity Line of Credit
Refinance
Purchase
Commercial Loans
Business Lines of Credit

SUPPORT

Email Us
Call Us
Send Us a Message
FAQ

COMPANY

Blog
Careers

LEGAL

Privacy

SUBSCRIBE TO OUR NEWSLETTER

The latest news, articles, and resources about mortgages and lending.

4.75% 5y fixed rate has APR of 5.89% based on a 500k loan amount with at least 20% equity and requires 760 score and VA eligibility. FHA also available with slightly higher APR due to mortgages insurance and requires full documentation of income and max debt ratio of 50%. Max loan size for a conventional loan is $806500 and min loan size is 125k. Eligible loans must meet conventional or FHA/VA requirements. Limited to owner occupied properties only. Not all applicants will qualify. "Lowest Rate for Life" program requires borrowers to maintain good credit and verifiable employment. Loans must be eligible for FNMA, FHLMC or GNMA delivery and all loans require to be underwritten and acceptable by at least one of the federal agencies. On any future loan completed by US Mortgages borrowers will not be charged for any lender fees, including the cost of appraisal up to $600. There is not a limit to the number of loans the borrower can complete under this program, however the interest rate must be reduced by at least 1/2% over their current rate to ensure borrowers receive a net tangible benefit and a minimum of 6 payments must be made on the current loan to be eligible. Purchase Loans and our unique Grant money down payment is limited to owner occupied properties only and buyer must be first time home buyer and not had homeownership within the last 3yrs to be eligible. (first responders can be eligible even if they own a property currently case by case) Borrowers must make at least 12 payments on the loan in order for the Grant Money to be forgiven. Min FICO for Grant Money is 620. Property types (condo, townhome, SFR) are acceptable. 2 unit owner occupied homes are also acceptable. Income restrictions do apply and are limited to 140% of areas average median income. All loans subject to approval and change Equal housing Lender Lic #392126 Govt ID#25955-00000