Bring your homeownership goals to life.

Find personalized help choosing the right home loan.

Resources for first-time homebuyers

First-time buyer guide

Tips and tools for remodelers

Home improvement loans

Loan calculators for number crunchers

Mortgage loan calculators

See how much it could cost to update your home.

Thinking about a home improvement project but not sure what it could cost – or how much it might add to your home’s value? Answer a few quick questions and get a personalized estimate.

Get an estimate

Get rewarded for your loyalty.

When you set up autopay from U.S. Bank personal checking account prior to final approval, you may be eligible for a client credit1 of 0.25% of the loan amount deducted from the closing costs of your new first mortgage, up to a maximum of $750.2

See your potential savings

Explore some of our home loan resources.

What type of credit score do you need for a mortgage loan?

Read article

What is refinancing and how does it work?

Read article

How much house can you afford?

Read article

Home loans: questions and answers

Lenders offer home mortgage loans to qualifying borrowers. A borrower pays back the home loan over an agreed length of time called a “term”.

Unlike prequalifying for a mortgage, getting pre-approved for a home loan requires some extra paperwork such as:

  • W-2s
  • Pay stubs
  • Bank statements
  • Tax returns

The lender might also pull your credit score and history. This information helps the lender determine the amount of your housing loan, so you can shop within your price range. Home loan pre-approvals only last 90 days, so it’s best to wait until you’re ready to start shopping.
 

Interest rates aren’t the only rate you’ll hear about when researching home mortgage loans. The other is the annual percentage rate (APR). Your interest rate is determined at the end of your application process, while APR takes additional factors into consideration, like mortgage fees. See home loan interest rates in your area.

Learn more about the differences between interest rates and APR.

Mortgage loan officers consider several factors before lending money to a client, including credit history and credit score, debt to income ratio, down payment amount and more. A great place to start is to get prequalified for a mortgage. You can also speak with a mortgage loan officer near you if you’re looking for more details about how you can better prepare for a new mortgage.

Take the next step

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Call 888-291-2334
Find a mortgage loan officer
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Disclosures

  1. To receive the U.S. Bank client credit, automatic payment enrollment must be completed prior to final loan approval through a U.S. Bank consumer checking account; however, establishing automatic payments is not required for loan approval. A minimum of $25 is required to open a U.S. Bank Smartly® Checking account. For a comprehensive list of account pricing, terms and policies, see the Consumer Pricing Information and Your Deposit Account Agreement. These documents can be obtained by contacting a U.S. Bank branch or calling 800-872-2657.

  2. For purchase or refinance transactions, the maximum credit is $750 and is applied as a reduction of eligible mortgage closing costs at loan closing. Certain mortgages may not be eligible for stated credits. Offer may not be combined with any other mortgage offers and can only be applied once per property within a 12-month period.

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Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rate and program terms are subject to change without notice. Mortgage, Home Equity and Credit products are offered through U.S. Bank National Association. Deposit products are offered through U.S. Bank National Association. Member FDIC.