Get homebuying help that serves your needs.

Buying a home can be a great experience with the right information and the right team in place. That’s why we offer easy-to-use tools, education and personalized guidance at every step.

Homebuying readiness quiz

Thinking about buying a home but not sure where to get started? We’ve come up with a series of questions to help you determine your next steps.

Take the readiness quiz

Help when you need it

Connect with an experienced mortgage loan officer by phone or email, or in person at one of our local branches.

Find a mortgage loan officer

U.S. Bank stands apart.

Our commitment to customer satisfaction and doing what’s right puts us a step above the rest. We continue to be recognized for our ethical and inclusive culture, digital capabilities and more. Notable honors include:

  • Industry benchmarking firm Keynova Group ranked U.S. Bank #1 overall in mobile banking, including #1 for the mobile app.1
  • U.S. Bank has been named one of the World’s Most Ethical Companies® for the 12th consecutive year. – Ethisphere, March 20262
  • U.S. Bank is one of the 2026 Fortune® World’s Most Admired Companies™.3
See more notable accolades

U.S. Bank mortgage reviews

Get insights from people who have worked with us.

We got a packet just full of numbers and we had no idea what any of it meant. We called our mortgage loan officer, and he went over it with us page-by-page, line-by-line, it was really long. But he went through every single page and made sure we understood every single section of the packet. I thought that was extremely helpful.

– Shavez S. and Rosa M.

I was impressed with the U.S. Bank Mortgage customer experience and would both recommend U.S. Bank and give the highest marks! There were a few speedbumps along the way, but the U.S. Bank team managed everything both timely and professionally!

– James R.

Through all the chaos and trials, working with you has been the one thing that has remained consistently over-the-top professional and on point. It has been so helpful to know that we were in such great and competent hands.

– Kevin R.

How can you benefit from partnering with us?

It’s our goal to provide you with exceptional value and service. We hope you’ll take advantage of the perks we have to offer.

 

Save up to $750 on closing costs.

When you set up autopay from U.S. Bank personal checking account prior to final approval, you may be eligible for a client credit4 of 0.25% of the loan amount deducted from the closing costs of your new first mortgage, up to a maximum of $750.5

See your potential savings

Why choose U.S. Bank as your mortgage lender?

As you look to the future, you need a lender who makes the home-buying process easier, not harder. And that’s what you’ll get when you work with us. Some of the ways we can support you include:

Competitive mortgage rates

As a leader in the mortgage industry, we have the expertise and resources to get you into the home of your dreams. Compare rates for a variety of home loan options to find the product that’s right for you.

See current mortgage rates

Streamlined application process

One smart, simple and secure way to get started is with our online application. It allows you to start the application process whenever it’s most convenient for you and engage with a mortgage loan officer for help if you need it.

Start your application

Take the next step

Start your application
Call 855-291-2334
Find a mortgage loan officer
Request a call
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Disclosures

  1. Digital financial services benchmarking firm Keynova Group ranked U.S. Bank #1 for mobile banking apps in its Q3 2024 Mobile Banker Scorecard.

  2. 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.

  3. 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.

  4. 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.

  5. For purchase or refinance transactions, the maximum credit is $750 and is applied as a reduction of eligible mortgage closing costs at loan closing. Certain mortgages may not be eligible for stated credits. Offer may not be combined with any other mortgage offers and can only be applied once per property within a 12-month period.

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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.