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Special Refinance Programs 4.99% 3yr Fixed
HELOC's up to 90% of your homes equity with NO MI
(VA to 100%)

We make it fast and easy and can UNLOCK your homes equity up to 90% WITHOUT affect your current low fixed rate!
Our special 4.99% 3yr fixed program can eliminate a 4yr wait for lower rates (per FNMA forecast).
With nearly 30 years of experience, we have exclusive products that will save you money today and tomorrow. We'll show you just how easy it can be. Conventional, FHA, VA, Jumbo, DSCR, 2nd homes, Investment Properties, HELOC's, HELOAN's & 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 with our 4.99% 3yr fixed! You might even be eligible for a mortgage insurance refund.
  • Home Improvements, Debt Consolidation and more.
  • HELOC / HELOAN specials up to 90% without affecting current rate and does NOT require mortgage insurance!
  • HELOC/HELOAN down to 640 score - OK
  • Credit down to a 580 score - OK (1st mortgage only)
  • Debt Ratios to 55%+ - OK (1st mortgage only)
  • Get up to a 90 day break from payments. (1st mortgage only)
  • BBB A+ Rated lender for 29yrs puts your goals 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 HELOC/HELOAN requires a min FICO of 740. Reduced loan to values available for credit down to 640 score with full documentation of income. maximum debt to income ratio is 50%. Min loan size is 50k and maximum is $500,000. 2nd homes and investment properties also available for HELOC/HELOAN at reduced LTV. 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 400k. 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. 4.99% 3yr fixed has APR of 6.31 as of 5.5.2025 based on 700k loan, requires 760 score and is for VA eligble only. Available as FHA for slightly higher rate and/or APR. Loan is fixed for years 1-3 and then has max caps of 1% annually with a 5% lifetime cap. $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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