Buying your First Home. What’s Next?

From Opening doors to Closing loans, US Mortgage is always by your side!

How does home-buying work?

Check how much you can afford?

Use our Mortgage Calculator to check the size of your down payment, monthly payments, and mortgage interest.

Get Started
Get a Pre-approval Letter

It increases your credibility among sellers & lenders, and makes the rest of the process smooth & easier!

Get Started

Why buy your first home with US Mortgage?

We are the Best mortgage lenders for first-time buyers!

Minimum credit scores

Competitive loan options

Licensed in most US states.

Download the USM APP( 24-hour loan access)

Excellent customer support

Connect with USM’s Licensed Lending Officer now at (800) 562-6715t o make mortgages simple & quick!

US Mortage Corporations- It's all about you!

The mortgage is a skill that not everyone knows! The home buying process seems easy,
safe, and quick with us. We offer low mortgage rates for first time buying a home.

US Mortgage Corporation Proprietary Products

When you are in a rush and time is not on your side, our accelerated 12 business days closing is the solution. Learn more about our RUSH12 Mortgage Product.

Commitment to closing your loan on time, Every time!
With our in-house Operations and our cutting edge technology we are able to guarantee your Mortgage will close on time.

Get Pre-Approved.  Shop with Confidence for a Home.  Make Offer. Buy Your Home. Let Sellers know that you have already secured solid financing and can close on-time.

  • 1

    Share your home buying goals.

  • 2

    Review your Credit & Set a Budget.

  • 3

    Find how much home you can afford?

  • 4

    Secure Finance

  • 5

    Make An Offer

  • 6

    Close or move-on!

The Best Loans Options for First-Time Home Buyers

Whether you get qualified for one or more loans depends on your affordability, down payment, and credit rate.
Check below some of the best possible home loan options for first-time buyers!

30-Year Fixed

Down Payment: As low as 3%

This conventional loan plan offers stable monthly payments and interest rates before house taxes and insurance.

FHA Loans

Down Payment: 3.5%

Work best for buyers with low credit history. The benefit is not so strict income & credit requirements.


Down payment: 10%-20%

Planning to stay only for a few years? ARM( adjustable rate mortgages) offer low rates & monthly installments.

VA Loans

Down payment: 0%

The best possible loan option for veterans, military, and ex-servicemen with zero down payment.

FAQS about buying your first home

It depends on your budget. But hiring a professional can help reveal the quality, safety, and serious damages that sellers usually hide from the buyers.

  • Asset details
  • Credit details
  • Location & residential address
  • Recent bank statement
  • W-2s for the last 2 years
  • Monthly income, and employment details.
  • Paystubs

Monthly payment depends on various factors such as

  • Down payment
  • Credit score
  • Emergency savings, and others

You can do it yourself by using our mortgage affordability calculator. It will help you determine the total loan amount and purchase price fits in your budget.

Although conventional loans are approved with a minimum of 10% to 20% down payment. But there are other loan options like FHA( Federal housing administration) accepting a 3.5% down payment.

To get started contact our licensed lending officer at (800) 562-6715