Dedicated Amazon Employee Mortgage Program1

Our commitment is simple — we use our passion and experience to guide you through your homebuying journey. Watch this video, or continue reading, to understand how.

  • We have an extensive understanding of Amazon compensation.
  • We offer loan programs that may consider initial signing bonus and RSUs as income.2, 3
  • Our efficient mortgage process is focused on meeting deadlines, and we’re there for you from initial consultation through loan closing.

Get started on your mortgage process.

Our dedicated Amazon mortgage team, led by Aaron Tyler, is eager to assist you. Call us at 206-802-9664, contact us by email, or start your mortgage application.

Start your application Email us

Flexible options for Amazon employees

A dynamic workforce requires flexible, customizable options. We work with many levels of Amazon employees, including:

  • Executives (levels 7–11): typically more than 50% of total compensation is from a signing bonus or RSUs
  • Mid-level managers (levels 5–6): typically up to 50% of total compensation is from a signing bonus or RSUs
  • Hourly associates and managers (levels 1–4): typically less than 25% of total compensation is from a signing bonus or RSUs
  • First-time homebuyers: any level with wide variations in down payment requirements
  • Non-permanent resident aliens: any level and requires specialized programs and understanding of options available

Real people, real-world reviews

Get insights from people who have worked with us.

We feel fortunate to have such a great team to help us with our first time going through this process; your guidance and patience was invaluable. Thank you so much!

– Joseph

I highly recommend Aaron's team without any hesitation. And they got me a great rate! I would gladly work with them again on a refinance or new mortgage in the future.

– Henrique

The whole process was seamless and they even worked out solutions that benefited us long term. They were swift to communicate as we progressed from one aspect of the home loan process to the next, and helped us brainstorm solutions whenever we had a bottleneck. Truly, we are so happy to have had this team on our side to make our dream home a reality.

– Richard

Mortgage solutions for any move

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.4
  • 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.

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 $1,000.5 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 using 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 tenth year in a row, we’ve been named one of the 2024 World’s Most Ethical Companies® by the Ethisphere Institute, in recognition of our demonstrated leadership in ethical business practices.6

Calculate your estimated monthly mortgage payment.

Your monthly mortgage payment is determined by multiple 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

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 $1,000.5 Calculate how much you could save with this special offer.

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

Take the next step

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Disclosures

  1. The Amazon Corporate Employee Mortgage Program is available for purchase and refinance transactions on primary residences located in all 50 U.S. states. Borrowers may only have one active loan under this program.

  2. Consideration of signing bonus and RSU award income applies to portfolio loan programs only. The employment contract must indicate that the initial signing bonus is guaranteed to be paid for at least two years, and the borrower is eligible to accrue RSUs. The lowest annual signing bonus amount is used for income to qualify for the loan.

  3. The vested RSUs in the previous two years will be included in the qualifying income. To ensure that RSU income will continue, the borrower will be asked to provide evidence of the additional vested and unvested RSU awards that will be held and that have not been converted to cash. U.S. Bank and its representatives do not provide tax or legal advice. Your tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation.

  4. 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.

  5. 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.

  6. 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.

Start of disclosure content

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.

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.

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