We will help you UNLOCK the equity trapped in your home, up to 90% of your homes value, without affecting your current low rate loan and without requiring monthly mortgage insurance! US Mortgages has the products, programs, and guarantees to make it simple.
Our clients appreciate our fast turn around times—some of the fastest in the industry. For our HELOC, the entire process-- from application to close, averages 1-2 weeks.
For the "insta" HELOC we can close same day if application is submitted before 10a
If your concerned about the economy, relax. We monitor your loan and the marketplace to ensure you are maximizing your savings and benefits. If a new opportunity arises we will inform you and show you your new savings potential. If you want to take advantage of it, we proceed and do it WITHOUT any lender fees!
We've made refinancing, equity lending and home purchases simple with innovative loan products and guarantees like our Lowest Rate for Life™ product that helps ensure you are always in the best loan and maximizing your savings and benefits.
Equal Housing Opportunity Lender
NMLS #392126
All loans subject to approval and change. 90% CLTV requires a min FICO of 740. Reduced loan to value is available 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. No appraisal is limited to max loan amount of $250k. HELOC has draw periods of either 3yrs or 5yrs and interest only available for 10yrs. Loan term can be either 20yrs or 30yrs. Home requires sufficient equity and is capped at a combined loan to value percentage of 90. "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. Equal housing lender License #392126 Govt ID 25955-00000