Your manager will serve as an extension of your team, giving clients outstanding service while coordinating with you and a dedicated mortgage team to secure loan approval.
As the fifth largest commercial bank in the country and the sixth largest mortgage lender, U.S. Bank has the expertise and resources to help you sell more homes. Some of the ways we can support you and your homebuyers include:
Whether you’re a production builder, a condo developer or a custom homebuilder, we offer a variety of unique loan products for your customers.
Our experienced builder specialists can offer support from start to finish with proprietary loan products and down payment assistance programs for qualified homebuyers.
We provide an exceptional condo buying experience for developers and homebuyers alike. Our streamlined condominium project approval process for new construction will save you time with the help of one of our knowledgeable condo specialists.
We simplify the closing process by offering a one-time closing on custom constructed homes with fixed-rate or adjustable-rate mortgage (ARM) loan options.
When your customers work with us, they can take advantage of:
Our online application empowers customers to:
We offer loans with local support in all 50 states giving your clients a variety of options to meet their needs, including:
Conventional fixed-rate mortgages: Fixed interest rate loans for eligible buyers, keeping principal and interest payments consistent for the life of the loan
Adjustable-rate mortgages (ARMs): Fixed rate for the first one to 10 years of the loan for eligible buyers. ARM loan rate and loan payments may change at the end of the fixed-rate period, and they are subject to change on an annual basis for the remaining duration of the loan, based on an index and margin.
Interest-only payments: Fixed-rate and adjustable-rate options available with interest-only payments for the first 10 years. This could be a good option for customers who have a fluctuating income.
Federal Housing Administration (FHA) mortgages: Government-backed loans with flexible guidelines and low down payment options
Veterans Affairs (VA) mortgages: Government-backed loans for active or retired members of the military or their spouses, with low or no down payment options
Jumbo mortgages: Competitive rates for higher-valued properties that exceed conforming loan limits
Construction loans: Flexible and convenient financing for new construction
U.S. Bank builder lock: Provides buyers extended rate protection up to 360 days.1 A fee is collected upfront to secure the rate.
Lot loans: Financing options for single-family residential lots for a future home with as little as 20% down
Doctor loans: Flexible financing options available to Doctors of Medicine (M.D.) and Doctors of Osteopathic Medicine (D.O.)
Portfolio and U.S. Bank proprietary loans: Allows added flexibility for loans that do not fit within Freddie Mac and Fannie Mae current guidelines. These loans are kept in the U.S. Bank portfolio.
At U.S. Bank, our years of industry expertise and breadth of product options aren’t all we have to offer. Our commitment to our customers and doing what’s right place us a step above the rest. We have been named:
Our U.S. Bank Housing Capital division offers full-service banking to private and public homebuilders nationwide. Work with us to access financial solutions that can help you manage and expand your business. For more information, reach out to one of our local market managers who can put you in touch with our Housing Capital partners.