We help you by serving them.

Choosing the right bank to help your employees become homeowners is a big decision. Our dedicated team of Business Development and Mortgage Loan Officers have an average of 20+ years of experience assisting corporate employees with their mortgages and relocations. We’re here to provide guidance and to help make their dreams a reality.

National coverage

We’re available in all 50 states, with programs customized to offset costs for your employees who relocate to high-cost areas. And we offer flexibility for your international employees who are relocating to the United States.

Dedicated team

Our dedicated team, backed by the financial strength and broad capabilities of U.S. Bank, will serve your employees with the highest level of care in both our national and international relocation services.

Ways to save

Your employees are eligible to take 0.25% of their new first mortgage loan amount and deduct it from their mortgage closing costs, up to a maximum of $1,000, with our Corporate Programs Customer Credit.1

Industry-leading technology

With our industry-leading technology, your employees can access their applications and engage mortgage loan officers for guidance and real-time status updates.

Mortgage solutions for any move

We provide loans in all 50 states and offer your employees a variety of options to choose from, including:

  • Conventional Fixed-Rate Mortgages: Fixed interest rates for eligible buyers, keeping mortgage payments consistent for the life of the loan.
  • Adjustable-Rate Mortgages (ARMs): Variable rate for the first one to 10 years of the loan for eligible buyers. ARM 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.
  • Interest Only: Fixed-rate and adjustable-rate options available with interest-only payments for the first 10 years.
  • Home Possible: Fixed rate for first-time home buyers at offers of $548,250 ($822,375 in AK and HI) or less, with level payments for the life of the loan. Applicants also must take a first-time homebuyer course.

  • FHA Mortgages: Government-backed loans with flexible guidelines and a low down payment.
  • VA Mortgages: Government-backed loans for active or retired members of the military or their spouses, with a low or no down payment
  • FirStep Option: Fixed-rate FHA and VA mortgages, with the buydown paid by U.S. Bank. Buyers can have low down payments and don’t need to be first-time home buyers.2
  • American Dream: Proprietary U.S. Bank loan with low down payment options and down payment assistance up to $5,500, which can also be used for closing costs and required repairs.

  • 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: Allows you to lock in anywhere up to 180 days with a small premium to the rate.
  • Lot Loans: Financing options for single-family residential lots for a future home with as little as 20% down.

  • Non-permanent resident loans (International): Capabilities to assist your international transferees moving to the U.S. with the flexibility to receive key documents such as a Social Security number and work visa just prior to closing.

  • Doctor Loans: Flexible financing options available to Doctors of Medicine (M.D.) and Doctors of Osteopathic Medicine (D.O.).
  • Portfolio Loans: Allows added flexibility for loans that U.S. Bank identifies as good loans or loans with exceptions that do not fit within Freddie & Fannie current guidelines. These loans are kept in the U.S. Bank portfolio.

Our approach to service sets us apart.

At U.S. Bank, our years of industry expertise and breadth of product solutions aren’t all we have to offer. Our focus on doing what’s right places us a step above the rest.

Dedication to ethics

You can bank on our ethics to do what’s right.

  • U.S. Bank has been named one of the World’s Most Ethical Companies® for the seventh consecutive year. – Ethisphere Institute, February 20213
  • Fortune named U.S. Bank one of the 2021 World’s Most Admired Companies.4
  • U.S. Bank was again named to DiversityInc’s Top 50 Companies for Diversity list.5

Mobility trends matter

When you’re looking for resources on home-buying and mobility trends that impact your employees, we have the information you seek.

U.S. housing market trends and relocation impact

Navigating today’s work-from-anywhere world

Challenges of a lump sum relocation program

Disclosures
XX-019 Products and services
XX-004 FDIC notice + credit + home
XX-011 Equal Housing Lender
XX-901 Ethisphere trademarks