US Mortgage Division opens ”consumer direct” a retail division offering a wide variety
of loan products direct to the consumer.

*** HR-5140 is now Law ***

Effective 2/15/08 - HR-5140 has finally been passed and now signed into temporary law by president Bush! FNMA, FHLMC & FHA adopt temporary increase to old conforming loan limits! For the first time ever a borrower can do loans up to $729,750* and get the benefit of a conforming loan product and rate. US Mortgage Division is now offering all government backed and insured loans direct to consumers. These are as follows but not limited to FNMA, FHLMC, FHA, VA, Reverse Mortgage & a wide variety of specialized loan products to suit almost any need or situation.

Most Requested Products

We currently offer well over 100 different loan products but these are the two most popular choices for consumer residential loans.

5.25%* FHA ARM - 4.475 APR
5.875%* 30yr Fixed - 6.040 APR

Looking for a better loan?

Take advantage of FNMA’s new conforming loan limit increase up to $729,750*! We accept loan requests for all borrowers with scores ranging from 800+  down to 400 and even a true no score. See why we are rapidly becoming the first choice for residential std, residential reverse mortgages and specialized wholesale mortgage lending throughout the country!

What we do…

FNMA & FHLMC
FHA/VA & Reverse Mtg’s
Alt-A and Subprime
Jumbo
Purchase & Refinance

Product Highlights…

Low Fixed Rates
Fast and Easy closings
No upfront fees to USM
Bank Statement & Stated
Income Programs - OK 
“Fee Guarantee”

The softer side of hard money. US Mortgages.

We offer loan sizes from $50,000 to $3M*

US Mortgage Division begins with You…
Our loans will improve your situation or you pay NOTHING!
“Fee Guarantee”! You will never be charged any fees not disclosed on GFE!

We also offer 24hr Pre-APPROVAL’s on all complete submissions.

Know fast if you quailfy for your loan, no waiting 1-2 weeks for an answer!
Added protection for our borrowers - We do not allow High Cost loans, EVER!
All loans come with our “Fee Guarantee” - no charges will be paid to USMD by any borrower that are not fully disclosed on the GFE. All loans are made within Federal, State or Local governing body laws

Disclaimer: Not all consumers will qualify for loan requested. Lowest rates and APR’s require excellent credit and full documentation of income. Borrowers with less than excellent credit or less than “full” documentation for income may be offered alternative loans with the same rules of full discolsure and fee guarantee, as above. *$729,750 conforming loan limits apply in high cost states only. Conforming and FHA loan limit increases vary depending on state and county property is located. APR for above rates are based on 200k loan amount at 80% ltv as of 05/07/08. Equal Housing Lender.

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