We’ll help make homebuying as stress-free as possible.

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 Calculate your savings.

Industry-leading technology

Find your new home with confidence through our industry-leading technology. Work on your digital loan application at your own pace. Later, when it’s time to close on your home loan, you can choose to eClose, and do most of your closing paperwork online. And you can count on our mortgage loan officers for assistance whenever you need it.

Dedication to ethics

  • U.S. Bank has been named one of the World’s Most Ethical Companies® by the Ethisphere Institute for the tenth consecutive year.2
  • Fortune named U.S. Bank one of the 2024 World’s Most Admired Companies.3
  • U.S. Bank was again named to DiversityInc’s Top 50 Companies for Diversity list.4

Take the next step.

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.

Get started

Chat with us.

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

Call 855-257-4391

Calculate your estimated monthly mortgage payment.

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 how much you might be able to borrow.

Prequalify

See an estimated conforming fixed-rate payment and APR example for a purchase transaction.5

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.

Use the refinance calculator

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
photo-couple-talking-with-loan-officer

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.

Start your application Call 855-257-4391

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 offer a variety of options to choose from, including:

  • Conventional fixed-rate mortgages: Fixed interest rate loans 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 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 $766,550 ($1,149,825 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.

  • FHA mortgages: Government-backed loans with flexible guidelines and low down payment options.
  • VA 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.6
  • 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: 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 move to the U.S. with the flexibility to receive key documents such as a Social Security number and work visa just prior to 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 through U.S. Bank National Association. Deposit products are offered through U.S. Bank National Association. Member FDIC.

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  1. To be eligible for the U.S. Bank Corporate Programs client 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 client 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. U.S. Bank named one of the “World’s Most Ethical Companies®” Ethisphere Institute, February 2024 (also 2015–2023); for more information about the ‘World’s Most Ethical Company’ designation and scoring methodology, please visit www.worldsmostethicalcompanies.com.

  3. Industry executives, directors, and analysts from 660 companies in 29 countries, with revenues of $10 billion or more, were surveyed by Korn Ferry in collaboration with Fortune Magazine for their 2024 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. On DiversityInc’s Top 50 Companies for Diversity list, U.S. Bank ranks No. 11 on the overall Top 50 list (up from No. 17 last year) and is the No. 1 ranked bank on the list. The company also placed on more than a dozen specialty lists, including Top Companies for Philanthropy, Top Companies for LGBTQ and Top Companies for Supplier Diversity.

  5. Estimated monthly payment and APR calculation are based on a down payment of 0% and borrower-paid finance charges of 0.862% of the base loan amount, plus origination fees if applicable. Estimated monthly payment and APR assumes that the VA funding fee of $6,072 is financed into the loan amount. Estimated monthly payment does not include amounts for taxes and insurance premiums. Estimated monthly payment does not include amounts for taxes and insurance premiums and the actual payment obligation will be greater.

  6. 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.

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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.

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