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Get Pre-Qualified Instantly


In today's fast-paced market every minute counts!  Get an instant pre-qualification right now, and a full pre-approval in as little as 2 hours. Secure your rate now and shop with confidence.

** 21st Century Road to Housing Act #HR-6644 is officially law **

This improves your homebuying ability.

21st Century Road to Housing Act

After nearly 2yrs of work it became law on 7/11/2026 and what it means for you...

Our story

HR-6644

HR-6644 STOPS institutional investors from buying up single family homes!
It also does a lot more but this alone is big because it eliminates much of the "CASH" investor bids that drove up housing and also kept many stuck in rentals. US Mortgages adds even more value to this with offerings like...

  • Credit as low as 620

  • Debt to income ratios up to 50%
  • up to 5% down for your down payment 
  • Qualifies for "Lowest Rate for Life"™

Buy a home without a down-payment?

If you can prove income and have been employed, even for as little as 2yrs, that plus good credit at a score of 620 or more, we can help you qualify to buy a home of your own! We can provide down payment assistance up to 5% of purchase price!

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US      vs      Them

"Lowest Rate for Life"™ - US YES  /  Them NO

Down Payment assistance up to 5%- US YES  /  Them NO (or maybe)

Allows assets to help with debt to income calculations - US YES  /  Them  maybe?

Allows down to 620 credit score to be eligible - US YES  /  Them NO

Underwriting up front to help ensure smooth closing - US YES  /  Them Maybe

Instant pre-quals and 2hr Pre-Approvals - US YES  /  Them NO

Credit Inquiry that doesn't impact your score - US YES  /  Them Maybe

Credit Counseling to help you become lendable faster - US YES  /  Them NO

Full Suite of government products and NON government products without overlays - US YES  /  Them NO

Fast Closings (under 14 days) - US YES  /  Them - doubtful

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3 Steps to Buying a Home

Here’s a simple breakdown of the home-buying process. You can swap a couple of the steps, like getting pre-approved before finding an agent, but you don’t want to find the perfect place without a preapproval in hand, only to have a better-prepared buyer beat you to the punch.

  1. Get Prequalified — Instantly!
    Fill out our quick and easy form to get prequalified and start looking at homes.

  2. Determine Your Budget
    We'll walk you through your full application to make sure your budget aligns with your goals.  The best part?  The preapproval letter you'll receive will make your offer even stronger!

  3. Close on your new home
    We'll be with you every step of the way, from your home search to the closing table.  And we'll make sure you close on your new home FAST!  

Who's America's Favorite Mortgage Company?

Hear why so many U.S. homeowners talk to US Mortgages first!

Why Choose US Mortgages

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Trusted Experience.

We’re proud to maintain a 99% customer satisfaction rating and an A+ rating with the Better Business Bureau, backed by nearly 30 years of experience.

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We say yes.

When other lenders say no, we say yes. Our personal mortgage advisors work with your unique situation to find the right program for you.

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We save you money.

With our Lowest Rate for Life™ program, you’ll never pay lender or appraisal fees again. If rates drop — even by just 0.5% — you can adjust to the lower rate without the extra costs.