Dig into articles, tools and resources designed for each step of your home-buying journey.

Preparing to buy

The mortgage process

Closing on your house

Featured topics

How to save for a down payment

When you’re ready to buy a home, having a higher down payment can save you money in the long run. If you plan to buy in the near future, setting money aside now for a down payment can only help.

How to build credit to buy a home

Credit score is a pretty big deal when it comes to buying a home. While you don’t have to have perfect credit to get a mortgage, the higher your credit score, the more choices and better rates you’ll have.

Featured articles


How much house can I afford?

A standard rule for lenders is that your monthly housing payment should not take up more than 28 percent of your income. However, home affordability is about more than just how much you can borrow.


Mortgage pre-approval vs. prequalification – what’s the difference?

Prequalification and pre-approval can boost your confidence and could make house hunting easier – but it’s important to understand the difference between prequalification and pre-approval, and when to do which.


How much are closing costs?

Closing is the last step in the home-buying process. Closing happens in a meeting between a combination of the buyer, the buyer’s agent, the seller, the seller’s agent and a closing agent.

View videos designed to give you insight into the first-time homebuyer experience.

First-time home-buying process: A U.S. Bank mortgage experience

Three key steps in the home-buying process

Prequalification helps you see how much you might be able to borrow.


Common FAQs for first-time homebuyers

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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 and home equity products are offered through U.S. Bank National Association. Deposit products are offered through U.S. Bank National Association, member FDIC.