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 to your employees 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

When your employees set up autopay from U.S. Bank personal checking account prior to final approval, they may be eligible for a client credit of 0.25% of the loan amount deducted from the closing costs of their new first mortgage, up to a maximum of $750.1

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 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.
  • Interest only: Fixed-rate and adjustable-rate options available with interest-only payments for the first 10 years.
  • Home Possible: Fixed interest loans for eligible first-time homebuyers at offers of $832,750 ($1,249,125 in AK and HI) or less, with fixed principal and interest payments for the life of the loan. Applicants also must take a first-time homebuyer course.

  • Federal Housing Administration mortgages: Government-backed loans with flexible guidelines and low down payment options.
  • Veterans Affairs mortgages: Government-backed loans for active or retired members of the military or their spouses, with low or no down payment options.
  • Firstep option: Fixed-rate FHA and VA mortgages with interest rate buydown paid by U.S. Bank for the first year. Buyers can have low down payments and don’t need to be first-time homebuyers.2
  • American Dream: Proprietary U.S. Bank loan with low down payment options and down payment assistance up to either $5,500 or 3% of the purchase price up to $10,000 – whichever is greater. The funds can 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: Provides buyers extended rate protection up to 360 days. 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.

  • 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 and Fannie current guidelines. These loans are kept in the U.S. Bank portfolio.

Listen to our On the Move podcast.

On the Move is an innovative series that features top global mobility professionals as they discuss trends and insights in the relocation industry. All episodes are available wherever you listen to podcasts.

Apple podcasts
Spotify

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 12th consecutive year. – Ethisphere, March 20263
  • U.S. Bank is one of the 2026 Fortune® World’s Most Admired Companies™.4

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.

Here’s what changes in credit reporting mean for homebuyers.

Understand the changes in credit reporting

What’s the difference between Fannie Mae and Freddie Mac?

Learn about the difference between the two

Tap into indirect compensation to recruit foreign talent.

Read more about indirect compensation
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Disclosures

  1. To receive the U.S. Bank client credit, automatic payment enrollment must be completed prior to final loan approval through a U.S. Bank consumer checking account; however, establishing automatic payments is not required for loan approval. A minimum of $25 is required to open a U.S. Bank Smartly® Checking account. For a comprehensive list of account pricing, terms and policies, see the Consumer Pricing Information and Your Deposit Account Agreement. These documents can be obtained by contacting a U.S. Bank branch or calling 800-872-2657.

  2. Must qualify at note rate. Temporary interest rate reduction buydown feature will be reflected as a payment adjustment on the mortgage statement for the first 12 months. Temporary buydown available on 1-unit purchase transactions only. Receive an interest rate reduction for first 12 monthly principal and interest payments. Beginning with the 13th mortgage payment through the end of the loan term, the interest rate reverts to the original interest rate when the loan originally closed.

  3. U.S. Bank named one of the “World’s Most Ethical Companies®” Ethisphere Institute, March 2026 (also 2015–2025); for more information about the ‘World’s Most Ethical Company’ designation and scoring methodology, please visit worldsmostethicalcompanies.com.

    “World’s Most Ethical Companies” and “Ethisphere” names and marks are registered trademarks of Ethisphere LLC.

  4. Industry executives, directors, and analysts from 650 companies in 30 countries, with revenues of $10 billion or more, were surveyed by Korn Ferry in collaboration with Fortune Magazine for their 2026 list. Survey responders rated their industry peers who paid a fee to be considered on nine criteria: management quality, people management, use of corporate assets, financial soundness, investment value, social responsibility, innovation, quality of products/services, and global competitiveness. Rankings were determined by an aggregate of how peers ranked the company in each of the key attribute categories. Companies that scored in the top half of their industry were recognized. Get more detail about the selection methodology.

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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. 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.