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. Plus, if you’re a U.S. Bank Silver, Gold or Platinum Checking customer, you may also qualify for a home loan origination discount of up to $1,000.

Mortgage Checklist

What items do I need for my mortgage application?  View our mortgage checklist.

Mortgage TypeKey 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

Find out how much you may be able to spend on your next home.

Prequalify

Skip Navigation: Internet Banking Login

Your browser's version is not compatible. Please upgrade your browser.
Cancel Icon

Unsupported Browser

Unsupported Browser

We've detected that you are currently accessing this site using an older version of Internet Explorer. We have not designed this site to support older versions of Internet Explorer. Therefore, you may encounter issues with how the site is displayed and how you can navigate through the site when using this older browser. We highly recommend you upgrade your current browser or download a new version of a different browser.

Upgrade Internet Explorer

Alternatively, you may want to download a new version of a different browser: