VA Home Loan Programs for those who have served and are currently serving our Country

Helping Veterans Buying a Home

VA helps Service-members, Veterans, and eligible spouses become homeowners with VA Loans.  As part of our mission to serve you, we proudly offer VA Mortgages. The VA provides a home loan guarantee benefit and other housing-related programs to help you buy, build, repair, retain, or adapt a home for your own personal occupancy.  If you currently have a Mortgage, you can also take advantage of a VA Refinance.

The VA Loan’s popularity is attributed to the money-saving benefits, such as no required down payment, no private mortgage insurance and requirements that are less-stringent than those of conventional mortgage options. These benefits, along with many others, make VA Loans one of the most powerful mortgage programs available today.

VA Refinacing

The VA streamline refinance program is also known as the VA IRRRL, which stands for Interest Rate Reduction Refinancing Loan. It’s exclusively for those with VA home loans.

Those interested in reducing their mortgage rate should consider the VA Streamline refinancing, otherwise known as an IRRRL (interest rate reduction refinance loan). With the VA Streamline, homeowners have the opportunity to lower their interest rate which may result in big savings every month.

If you are considering taking cash out of your home’s equity, you should consider the VA Cash-Out refinance. With the Cash-Out refinance, homeowners can use the equity in their home to help pay other obligations.  You are free to use the money as you wish.  Additionally, homeowners wanting to refinance from a different loan program into the VA Loan can do this through the Cash-Out refinance program.

US Mortgage Corporation Proprietary Products

With your military service, the dream of homeownership can be a reality
with the simplicity and ease of true VA.  Up to 100% Financing Available.


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.

*Number of business days will vary based on each transaction. This will not apply to all consumers and all transactions. Delays may arise due to the condition of the property, appraisal issues, title issues, or delays associated with the third parties involved on the loan and may extend the number of business days to close the loan.

The Loan Process



This is the time to get in the know. A pre-approval will give you an advantage when you find your perfect home. We can tell you what you need to get pre-approved, so you know the exact loan amount you qualify for, what your monthly payment will look like, and how much taxes and insurance will be. With a pre-approval, the loan process will be smoother and your offer will be stronger.


Loan Application

Your application will provide a complete picture to loan investors of your assets, debts and what you are buying. It will take into account documents such as pay stubs, proof of income, tax returns, employment history, and information on all debts, assets, and sources for down payments. Don’t worry, we will request these documents as applicable for your loan application so that you can be fully prepared.


Select Your
Loan Program

Fixed rate? Adjustable? FHA? There are multiple loan options that may fit your unique needs, and we can help you choose. Are you looking for the consistent rates and payments that a fixed rate loan can provide? Do you want the short-term benefits of lower rates that an adjustable rate loan can bring? Our extensive portfolio of loan options means you have more options available to get just what you need.


Processing and

Your loan has specific investor guidelines that must be met, and an underwriter will review your documents to be sure that you meet them. While an underwriter reviews your file, an appraisal will be ordered on the home. Additional information may be requested, so don’t panic if you have to turn in more documents. That’s just the underwriter working hard to get your final approval.



Before your loan is approved, you will receive pre-approval and a list of closing conditions that need to be met. These conditions can include verification that your employer is current and proof that homeowner’s insurance has been obtained. Once closing conditions have been satisfied, the underwriter issues a clear to close. Congratulations, your loan has been approved!


the Loan

With an approved loan, you are on the home-stretch towards closing. The lender will send closing documents to a title company that draws up paperwork and arranges for signing of documents. Once the documents have been signed and funding conditions have been met, the title is recorded and the process is complete. You are a proud owner of your new home, and the keys are yours!

How Much Home Can You Afford?

We simplified the Process.

Check out our user friendly Home Affordability Calculator to assess your debt-to-income ratio, down payment, loan amount, and mortgage payment all at once. It’s just like having your own personal adviser at the click of a button.

Use our Mortgage Calculators to quickly and easily see current mortgage rates and determine what works for you.

We can help you find the home loan to fit your financial needs.


A conventional mortgage is a home loan that falls under the conforming loan limit of $453,100 (which is set annually by the Federal Housing Finance Agency)


A mortgage that is insured by the Federal Housing Administration (FHA). FHA loans allow for down payments as low as 3.5%* and lower credit scores than most conventional loans. There are maximum loan amounts that vary by county.


Loans for premium real estate areas that exceed the conventional conforming loan limits (ranging between $453,100-$679,650 depending on area)


If you are 62 or older, leverage the equity on your primary residence.


A loan to fund your small town dreams of rural home ownership, with lenient down payment, income and credit requirements.


Loans for veterans, servicemembers or surviving spouses. With qualifying income and credit, you can buy a primary residence with no money down at a fantastic rate.

Tips for a Successful Closing

  • It is extremely important that you do not make any major life changes immediately before or during the loan process.
  • Don’t quit your job or change jobs.
  • Don’t make any large purchases like a new car.
  • Don’t co-sign on any loans for someone else.
  • Don’t spend money that you have set aside for your down payment or closing costs.
  • Don’t make any changes to your credit like opening new cards or even closing accounts without guidance from a professional.
  • Keep Calm! The loan process can seem overwhelming, especially if it is your first time.

We will help you understand what is needed and get you to the finish line on time.

© 2020 US Mortgage Corporation

This notice is provided to you pursuant to the Privacy of Consumer Financial Information Act and the Federal Trade Commission’s implementing regulation thereunder, 16CFR Part 313.
1. Collection Sources:

2. We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.
3. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide the requested loan origination services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information

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