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Ready to Buy a Home?

There are so many great reasons to own a home in Colorado. We're here to help people find what they want and even reduce the downpayment needed to purchase.
  • Get Assistance With Downpayment
  • Start Building Your Own Wealth
  • Receive More Tax Deductions
  • Put More Money in Your Pocket
  • Grow Equity as Home Values Rise
  • Stop Paying Someone Else's Mortgage

Find Best Rates in CO + Get Downpayment Assistance

Why Finance Your Home with US?

Whether you're looking to buy a single-family home (attached or detached), or maybe something a little smaller in Denver, Colorado Springs, Fort Collins, Boulder, or beyond, US Mortgages has the products, programs, and guarantees to make it simple.
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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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WE HELP ALL CREDIT SCORES

Even when others say NO, we strive ourselves on saying YES. We believe people are more than just a credit score. Your dream home can be a reality and we work on each loan case-by-case.

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INNOVATIVE PROGRAMS AND GUARANTEES

We make home buying dreams come true with innovative programs like our Home. Made Simple™ down payment program and guarantees like our Secure Down Payment Protection™

I had the opportunity to work with Mr. Todd W. on obtaining a home loan. I was extremely pleased with this experience! His professionalism and incredible knowledge of this process made what could be a very stressful time, very relaxing and stress free! I will always use and highly recommend Mr. Todd for any and all lending needs! 
Dawn W.
Denver, Colorado

APR Disclosure

2.875% 15y fixed rate has an APR of 3.24 based on 300k loan amount, 740 score 30% down payment or equity as of 5/12/20,
Max loan amount of 510,400 and min loan amount of 125k

Rate and term only addl FNMA/FHLMC surcharge for cash out or consolidation loans.
Equal Housing Opportunity Lender #392126
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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