Assist My Realtor’s Preferred Lenders!
Why USA Mortgage?
We have over 1,000 owners. That’s because each and every employee at USA Mortgage has an ownership stake. This is not common… in fact, only 1 in every 200 companies in the US are employee-owned. But having a stake in ownership gives everyone a voice, and allows for every idea to be heard. In the end, this results in a better experience for you.
What we do.
You don’t want a more expensive rate. Or even an okay rate. No, you want the best rate, the one that works for you. So that’s what we’re focused on. Purchasing a home is a large investment – it’s kind of a big deal, financially and emotionally. So, we want you to lean on us as we find the rates that work for you and make that purchase a reality.
Fast and efficient Home buying process!
Get Prequalified - You will need paystubs, W2s, and bank statements. Knowing what you can afford is important to a successful home shopping experience.
Meet with a Real Estate Agent - Discuss the type of home you’re looking for, including style, price, and location.
Search for Homes - The fun part! Your real estate agent will schedule showings and help you find the perfect home.
Make an Offer - Your agent will prepare the offer based on the price and terms you choose.
Negotiation & Contract - It may take a few tries to get it just right, but hang in there. You’re on your way!
Under Contract - You and seller have agreed to the price and terms. The home is effectively held for you until closing.
Final Details - The inspection is conducted, the appraisal is ordered, and you will provide the lender with any other documents they find necessary for your specific financial situation.
Closing - This is the transfer of funds and ownership! A title company typically acts as an independent third party to facilitate the closing.
Congratulations! You are a new homeowner!
Partnering with USA Mortgage
Working with USA Mortgage gets you access to the loan programs your clients need, a professional marketing department to grow your business, and a co-branded mobile app to make the financing process simpler for your buyers!
Available Loans Include:
Conventional
5% minimum down payment requirement
Seller concessions are limited to 3-9% of sales price
PMI required over 80% LTV
Additional options are available
USDA
0% down payment required
Property must be in a USDA-approved area
Reduced monthly Mortgage Insurance premiums
No county loan limits
New and existing homes eligible
Seller concessions up to 6% of sales price
VA
0% down payment required*
Seller concessions up to 4% of purchase price of appraised value
Loan amount based on entitlement
No MI
VA funding fee financed into loan (disabled veterans can waive funding fee)
FHA
3.5% minimum down payment required
Upfront Mortgage Insurance premium financed into the loan
No income limits
Seller concessions up to 6% of sales price
Gifts allowed
Bridge Loans
Allows borrower to purchase a new home while their current home is listed for sale or in the process of being sold
Borrowers receive cash out of their existing property prior to sale
Interest only second mortgage
6-month term
USAdvantage
Turn your conventional buyers into cash buyers!
Your buyers can place a competitive all-cash offer with minimal to no fees
No third-party cash companies
Borrowers will own the home on the day they close
Call to lean more about this unique program
Ask about our $5,000 Guarantee
We stand behind our preapproval
We will pay the seller $5,000 if we fail to close a Certified Home Buyer**
*100% financing up to the appraised value of the property
**This offer is subject to all conditions stated on the Certified Home Buyer Certificate. This guarantee is not valid if Buyer and/or Sellers choose not to close on loan or a delay caused by reasons beyond the control of USA Mortgage. This advertisement does not constitute as a loan approval or a loan commitment. Loan approval and/or loan commitment is subject to final underwriting review and approval.
Download the mobile app!
By bringing together borrowers, REALTORS and lenders in a single digital platform, your team becomes part of a personal, trusted home-buying experience. You will develop confidence that USA Mortgage is as committed to finding the right solution for your borrower as you are.
