Mortgage learning hub

Mortgage topics

Whether you want to understand down payments, compare loan types or secure a pre-approval, our collection of mortgage resources can help you determine your homeownership goals.

Get started Find a mortgage loan officer

Learning home

Home equity & improvement topics

What is the mortgage underwriting process and how does it work?

What is an escrow account and how does it work?

What are mortgage points and how do they work?

How to buy a house with bad credit

What is a down payment and how much do you need?

What is mortgage insurance and how to remove it

First-time buyer loans: types, requirements & how to apply

What is the credit score needed to buy a house?

What are closing costs and how much should you expect to pay?

What is an assumable mortgage and how does it work?

Down payment assistance programs: grants, loans & how to qualify

What’s the difference between prequalification vs. pre-approval for mortgage?

How to buy a house with low income: loan programs, down payment help & tips

What is mortgage APR vs. interest rate?

How much house can I afford? A guide to setting a budget

FHA vs. conventional loans: what are the differences?

What is reconsideration of value (ROV)?

Fixed vs. adjustable-rate mortgage: how to choose

Watch: the first-time homebuying process explained step by step

Watch video

How to make an offer on a house

How Community Reinvestment Act (CRA) loan officers help you get a mortgage

How one woman used the U.S. Bank Access Home Loan to go from renter to owner

How one couple bought their first home using down payment assistance

Real stories: how these buyers found an affordable path to homeownership

The benefits of eClosing on a home and how it works

Take the next step

Prequalify

Start your application

Find a mortgage loan officer

Call 888-291-2334

Disclosures

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.

Equal Housing Lender