Our offers keep growing

If you have a loan scenario, would like a quote, need a Pre-Approval letter or would like more information about rates, fees and current promotions, please use the Contact Us button to reach us. A professional and courteous Loan Officer will respond promptly without any obligation or pressure. U.S. Capital does not charge any up-front fees and will not share your information with any outside business.

This line of loan products(Conventional, Va and FHA) are designed for the borrowers with the very best qualifications.  As such, our Elite Mortgages offer the lowest rates and fees, fastest turn times, and the quickest close- Purchases and Refinances.  Find out if you qualify for the lowest rates and fees available!

U.S. Capital offers all of the current special loan programs for First Time Home Buyers.  These include LOW Down Payments, No Down Payment, Down Payment ASSISTANCE and other specialty products designed for those who are buying their first home.  We even offer Lender Credits to help offset your closing costs so you have more money towards your down payment or upgrades to your new home.

U.S. Capital offers the largest selection of Purchase Loans available in the industry.  We will work with you Real Estate Agent to promptly provide Pre-Approval letters, payment calculations, etc.  We can combine many of our exclusive benefits such as Lender Credits to offset Closing Costs, use your assets as income to qualify, alternative documentation for the self-employed, etc.  Most of all, U.S. Capital prides itself with closing on-time.

Whether you want to lower your payment, remove PMI (Private Mortgage Insurance), take cash-out for home improvement, pay off debts, or use some of your homes Equity for any other reason, U.S. Capital has the largest selection of resources for you particular goal.  Our Loan Officers will shop for the lowest rates and fees for your particular circumstances. 

U.S. Capital offers several options here.  From Down Payment Assistance programs to the use of Gift Funds and other resources, let our experienced Loan Officers provide the perfect options for you.  We will even stay in touch while you are accumulating your down payment if you prefer providing a small down payment instead of the No Down Payment options. 

These "government loans" have much lower rates than Conventional loans.  They also have more flexible underwriting standards.  We than out Military Service Men & Women for the sacrifices they made for our country.  Our U.S. Capital Loan Officers will work hard to find the lowest rates and fees available for each of our borrower's particular needs and circumstances. You may qualify for our Lender Credits to help with your closing costs!

This new program from U.S. Capital offers you a way to pay your mortgage off early, eliminate tens-of-thousands of dollars in interest, and do so without changing your spending habits. Contact your U.S. Capital Loan Officer for more details.

We understand that this is a very challenging time for those who are facing a divorce. U.S. Capital has many years of experience working with borrowers in this difficult position. As a result, we have designed options to help people going through divorce maximize the use of the equity in their homes, streamline the mortgage process to close quickly, keep the fees low in order to maximize the settlement amount, and to help finance a new home for the exiting spouse.

U.S. Capital offers a full menu of Jumbo Loans up to $5 Million or even higher. Purchases or Refinances. We have extensive experience financing high end homes as both primary residences and as vacation homes. We offer Jumbo VA Loans for our Active Duty and Veterans also. Our Lender Credits can be used to offset your closing costs and/or buy the interest rate down. Let one of our seasoned Loan Officers prepare some options for your next Jumbo mortgage.

If you are a Real Estate Investor or Landlord, U.S. Capital can offer you an enormous menu of financing options - for both purchases and refinances. We even offer cash-out refinances so that you can use the equity to purchase another investment property/rental. In many cases we can finance your rental property with No Origination Fee. Contact a U.S. Capital Loan Officer today to see what options we have for your particular needs.

U.S. Capital has extensive financing options for the self-employed. With more than 30 years in business, we have accumulated the largest database of mortgage options available anywhere. We can close loans that most other lenders cannot. If you maximize your deductions(show little income) on your tax returns, contact us. We have a solution for that. If you get a majority of your income from commissions, bonuses or profit sharing, contact us.  Don't count yourselves out until you speak with one of our experienced Loan Officers.

If you are building a home, or plan on building a home, you should contact U.S. Capital for a quote. We have a unique product called "One-Close Construction-to-Perm" mortgage. It is one mortgage that covers both your construction period and your permanent loan. So, you don't have to qualify twice, nor do you have to pay thousand-of-dollars in fees twice. Best of all, you can lock your rate in at the beginning of construction so you don't take a chance on having a much higher rate when your new home is complete. Contact a U.S. Capital Loan Officer for more details.

Use the equity in your home without having to give up your lower rate first mortgage. Whether you are looking to consolidate high-interest credit cards, make improvements on your home, help pay for college costs, or cover some other costs, the equity in your home provides an easy access, low rate solution. And U.S. Capital offers higher loan limits for these loans than most local banks, credit unions and other mortgage companies.  Contact us today for more details.