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Purchase programs Refinance programs or HELOC to 90% of your homes equity with NO MI

We make it fast and easy and can UNLOCK your homes equity up to 90% WITHOUT affect your current low fixed rate! With nearly 30 years of experience, we have exclusive products that will meet your needs. We'll show you just how simple it can be. Conventional, FHA, VA, Jumbo, DSCR, Investment Properties, HELOC's and More...
  • Our loans come with our exclusive Lowest Rate for Life™ program - always have the best loan & best rate.
  • FHA / VA borrowers lower your rate and SAVE BIG! You might even be eligible for a mortgage insurance refund.
  • Home Improvements. Debt Consolidation and more.
  • Grant Money Purchase programs that give up to $25,000 for your down payment that you don't repay!
  • HELOC specials up to 90% without affecting current rate and does NOT require mortgage insurance!
  • Get up to a 90 day break from payments.
  • BBB A+ Rated lender who puts your interest first!
  • All our quotes are NO Risk, NO Upfront Fees and NO Obligation!
  • See your savings in writing BEFORE you make a decision

Get a No Cost-No Obligation Quote Here

Why Purchase or Refinance with US?

Whether you're looking to buy a home or to consolidate debts, do improvements, do needed maintenance, pay for college, start or add to an emergency cash reserve fund or get cash for any need, US Mortgages has the products, programs, and guarantees to make it simple and always ensure you are in the Lowest Rate for Life™.
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WE'RE THE FASTEST LOAN IN THE WEST

Our clients appreciate our fast turn around times—some of the fastest in the industry. For most loans, the entire process-- from application to close, in as little as 2 weeks.

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Credit Not So Great? No Problem!

If your credit is less than perfect, newly established, or you're self-employed, talk to US first! We help people in Colorado refinance and purchase their homes, even with less than perfect credit.

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INNOVATIVE PRODUCTS AND GUARANTEES

We've made refinancing and purchasing simple with innovative loan products and guarantees like our Lowest Rate for Guarantee™.

There are a lot of choices in mortgage companies out there, and finding the right one is critical. This is a big purchase! I was fortunate enough to have found Dave M. at US Mortgages. Dave walked us through the process, got us a great deal on our refi and got it done in a very timely manner, at great rate. Do yourself a favor - when you need a mortgage, there is only one person I would go with - Dave M. with US Mortgages!
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David M.
Denver, Colorado
Making home ownership dreams come true for over 29 years.

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Equal Housing Opportunity Lender
NMLS #392126

Not all applicants will qualify. 90% CLTV requires a min FICO of 740. Reduced loan to values available for credit down to 640 score and is for owner occupied only and full documentation of income. maximum debt to income ratio is 50%. Min loan size is 50k and maximum is $500,000. HELOC has draw periods of either 3yrs or 5yrs and interest only available for 10yrs. Loan term can be either 20yrs or 30yrs. No appraisal is limited to a max loan of 250k. Home requires sufficient equity and is capped at a combined loan to value percentage of 89.99. "Insta" HELOC maximum CLTV is 80% and requires a 740 score. Min FICO for "Insta" HELOC is 680 and has a limitation of 65% CLTV. $25,000 down payment GRANT money requires a min of 6 payments to be made on the new loan for the Grant to be forgiven/satisfied and is open for both first time buyes and repeat buyers whose median hosuehold income is 140% or less than median area average. FHA financing is required as part of the Grant Money. Lowest Rate for Life™ requires customer to maintain good credit history and be able to provide verified proof of employment in accordance with standards set by FNMA, FHLMC and or GNMA. Equal Housing Lender License #392126 Govt ID #25955-00000

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