Real Estate Loans
First Mortgage Loans
Look no further for the perfect home loan!
Looking for a mortgage with low rates and a hassle-free application process. Our friendly and knowledgeable mortgage consultants will help you find the home loan that's right for you.
- Competitive rates
- Purchase or refinance
- Fixed and adjustable rate programs
- 24/7 direct mortgage online application process
- Pre-approval in minutes
- Specialized mortgage products
For current rates, loan program details, or to apply online contact allU.S. Mortgage Service or by telephone at 877-223-9901.
Fixed Equity Loans
With our fixed rate term loan and with rates this low, it might make more sense to renovate your home than to move. Just think, the kids are already settled into their school, you have your commute and alternative roads down pat, and you know how to navigate the aisles in your local grocery store, so why would you want to move? Remodeling may increase the value of your home and you could save monthly by making it more energy efficient with new doors, windows, and climate control systems.
- Borrow up to 80% CLTV of the appraised value of your owner occupied home, less the first mortgage balance. Maximum loan amount is $150,000 – minimum amount is $5,000.
- Fixed rate for the life of the loan
- 15-year (180-month) repayment period; 20-year (240-month) on originating balances of $75,000 or more
- Can be used for any purpose
- NO prepayment penalty
- Competitive rates and closing costs
- Tax benefits. In most cases, interest on a home equity loan or line of credit is tax deductible. For details, check with your tax advisor.
Home Equity Line of Credit
With this line of credit tied to your home, you can draw up to the limit whenever you need it. As you pay down the line, it becomes available to use again--you always have funds at your fingertips. It's that simple.
An allU.S. Home Equity Loan or Home Equity Line of Credit allows you to borrow against your home's equity. Plus, interest on a Home Equity Line or Loan is generally tax-deductible up to (consult your tax advisor). Use the cash for home improvements, tuition, or other major purchases; or use the money to pay off higher-interest debts and save hundreds of dollars per year.
- Borrow up to 80% CLTV of the appraised value of your owner occupied home, less the first mortgage balance. Maximum loan amount is $150,000 – minimum amount is $5,000.
- An open credit line that you can use to draw on for any purpose
- 15-year repayment at a variable rate
- Lower payments and rates can be lower than fixed
- Can be used for any purpose
- NO prepayment penalty
- Competitive rates and closing costs
- Tax benefits. In most cases, interest on a home equity loan or line of credit is tax deductible. For details, check with your tax advisor.
HELOC Rates Disclosure |
|
|---|---|
| Minimum Loan Amount | $5,000 |
| Loan to Value Ratio | 80% |
| Variable Rate | Rates as low as 5.00% (Prime + 1.70%) |
| Loan Term | 10 Year Draw, 15 Year Repayment |
| Loan Fee | $500.00 |
| Third Party Fee | Approximately $506.00** |
| Annual Fee | $50.00 |
| Loan Balance | Repayment Term |
| Up to $5,000.00 | |
| $5,000.01 to $10,000.00 | 60 Months |
| $10,000.01 to $20,000.00 | 84 Months |
| $20,000.01 to $30,000.00 | 120 Months |
| $30,000.01 to $50,000.00 | 144 Months |
| $50,000.00 and Above | 180 Months |
Fixed Rate Home Equity Loan |
|
| Minimum Loan Amount | $10,000.00 |
| Loan to Value Ratio | 80% |
| Loan Fee | $250.00 for amounts to $49,999.99 |
| $500.00 for amounts from $50,000 to $99,999.99 | |
| $1,000.00 for loans over $100,000.00 | |
| Third Party Fee | Approximately $506.00** |
| Term | Annual Percentage Rate  |
| 120 Months (10 Years) | 5.95% - 11.50% APR |
| 180 Months (15 Years) | 6.75% - 12.50% APR |
Entity's NMLS#802240 | Robin Ceralde NMLS #1482958
