What sets us apart

Ways to save

Take 0.25% of your new first mortgage loan amount and deduct it from your mortgage closing costs, up to a maximum of $1,000.1 If you don’t have any costs at closing, the credit can be applied to other prepaid items, such as escrow or homeowner’s insurance. Calculate your savings.

Industry-leading technology

Find your new home with confidence through our industry-leading technology. Work on your loan application at your own pace. And you can count on our mortgage loan officers to partner with you whenever you need assistance.

Dedication to ethics

You can rely on us to do what’s right for you. For the eighth year in a row, we’ve been named one of the 2022 World’s Most Ethical Companies® by the Ethisphere Institute, in recognition of our demonstrated leadership in ethical business practices.

Here are two great options to get your mortgage process going.

Start your application.

We’ll confirm your personal and financial information, pull your credit and connect you with a mortgage loan officer to discuss the results.

Chat with us.

Our experienced mortgage loan officers are ready to answer your homebuying questions.

Calculate your estimated monthly mortgage payment and potential savings.

Monthly payment calculator

Your monthly mortgage payment is determined by a number of factors, like purchase price, down payment, interest rate, loan term, property taxes and insurance. This calculator provides an estimate of what your mortgage payment could be each month based on the information you provide. The results will give you a better idea of what your financial picture could be.

Please fix the following items to continue:

  • Enter a home price that’s $2,000,000 or less.
  • The down payment must be lower than the home price.

Enter a home price that’s $2,000,000 or less.

0%

The down payment must be lower than the home price.

PAYMENT BREAKDOWN

See an estimated conforming fixed-rate payment and APR example for a purchase transaction.2

Refinance calculator

Refinancing your mortgage may help you lower your monthly payment, reduce your interest rate, change terms or get access to cash for major purchases. This calculator provides an estimate of how much you could save based on the information you provide. The results will help you determine if refinancing your mortgage is right for you.

Savings calculator

You may be eligible for a customer credit on the closing costs of your next mortgage. Take 0.25% of your next first mortgage loan amount and deduct it from the closing costs, up to a maximum of $1,000.1 Calculate how much you could save with this special offer.

$
Please enter an amount between $1,000 and $3,000,000.
Potential closing cost savings $0

We’re here to help.

With our streamlined application process, you can start your application using your phone, laptop or other portable device. If you have any questions along the way, an experienced mortgage loan officer is just a phone call away.

Real people, real-world reviews

Get insights from people who have worked with us.

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.

Thank you so much for all of your help with this — I can’t thank you enough for going above and beyond! My wife and I are very grateful and would not be able to close on our house today if it wasn’t for all that you have done!

- Ryan M.

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.

No matter where you’re headed, we’ve got you covered.

We provide loans in all 50 states and beyond, allowing you to choose from a variety of options that include:

  • Fixed- and adjustable-rate options
  • FHA, VA and USDA mortgages
  • Jumbo mortgages
  • Construction-to-permanent financing that offers a one-time closing
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Disclosures

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 by U.S. Bank National Association. Deposit products are offered by U.S. Bank National Association. Member FDIC.

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  1. To be eligible for the U.S. Bank Corporate Programs customer credit, you need to be employed by, a member of, or affiliated through a participating U.S. Bank Corporate Programs client. For purchase or refinance transactions, the maximum customer credit is $1,000. 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. Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rates and program terms are subject to change without notice.

  2. Conforming fixed-rate estimated monthly payment and APR example: A $464,000 loan amount with a 30-year term at an interest rate of 6.500% with a down payment of 25% and no discount points purchased would result in an estimated monthly principal and interest payment of $2,933 over the full term of the loan with an annual percentage rate (APR) of 6.667%.

    Estimated monthly payment and APR calculation are based on a down payment of 25% and borrower-paid finance charges of 0.862% of the base loan amount. If the down payment is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Estimated monthly payment does not include amounts for taxes and insurance premiums and the actual payment obligation will be greater.

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Calculators are provided by Leadfusion. This calculator is being provided for educational purposes only. The results are estimates that are based on information you provided and may not reflect U.S. Bank product terms. The information cannot be used by U.S. Bank to determine a customer's eligibility for a specific product or service. All financial calculators are provided by the third-party Leadfusion and are not associated, controlled by or under the control of U.S. Bank, its affiliates or subsidiaries. U.S. Bank is not responsible for the content, results, or the accuracy of information.

Visit usbank.com to learn more about U.S. Bank products and services.

Mortgage, home equity and credit products are offered by U.S. Bank National Association. Deposit products are offered by U.S. Bank National Association. Member FDIC.

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