Compare Mortgage Options

Which type of mortgage best fits my needs?

U.S. Bank is a leader in the mortgage industry, and millions of our customers have said they would recommend us in the future. We offer loans that meet almost every mortgage need, and our mortgage loan originators are ready to go to work for you.

Mortgage Type Key Benefits Worth Considering if you...
  • The best fixed rates
  • No interest-rate surprises
  • Plan to stay in your home for a longer period of time
  • Have an established credit history
  • Can put at least 5% down on a home
  • The lowest short-term rates
  • Initial lower monthly payments
  • Initial rate periods of 3-10 years, then rates can adjust up or down
  • Know you'll be moving within the next few years
  • Have an established credit history
  • Can put at least 5% down on a home
  • Increased purchase limits
  • Competitive rates
  • Fixed-rate and ARM options
  • Are buying a home that exceeds conforming loan limits ($417,000 in most areas)
  • Have an established credit history
  • Can put at least 20% down on a home
  • Low down payments
  • Flexible qualification guidelines
  • Fixed-rate and ARM options
  • Have limited funds for a down payment
  • Don't have an established credit history or have experienced credit challenges in the past
  • Low or no down payment
  • No mortgage insurance requirement
  • Flexible qualification guidelines
  • Fixed-rate and ARM options
  • Are an active military member or veteran
  • Are the surviving spouse of a service member who died as a result of military service
  • Convenient financing for new construction
  • Construction-to-permanent loan options
  • Are building a new home to your specifications
  • Are buying a lot for a future home
  • Financing for residential rental property with 1-4 units
  • A variety of loan options to choose from
  • Want to become a landlord
  • Are buying a second home

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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.