US Mortgage Division

Specializing in ALL Government Loans & Mortgage Relief Programs

Including the A.R.R.A & H.A.S.P.Act of 2009

While we have over 100 different loan products for almost any need, these are the 2 most requested.

Current Rates as of 08/24/10

4.50%* 30yr Fixed FHA Insured - 4.97 APR (NO points or Orig)
4.75%* 30yr Fixed Conventional - 4.88 APR (NO points or Orig)

4.25%* 30yr Fixed FHA Insured - 4.91 APR (NO points + 1 Orig)
4.50%* 30yr Fixed Conventional - 4.68 APR (NO points + 1 Orig)

08/04/10 - Interest Rates hitting 60 year lows! For the fortunate ones who can qualify, these are some of the lowest rates seen since rates have been recorded. With the uncertainty of stock and equity markets coupled with high unemployment the market for insured government treasuries has not been better. The outlook for rates and bonds is mixed and will be watched closely. If you are in the market for a new home or want to improve the loan you have currently now is the best time in 60 years to do so! 

04/30/10 - Home buyers Tax Credit Ends!

11/02/09 - H.A.S.P. home ownership relief program designed to provide relief to thousands of homeowners who have been stopped from taking advantage of current economic market and low rates from falling home values. Borrowers with good credit and proof of income can now get low fixed rates even with NO equity or Negative equity up to *125% of the current home value! 

Looking for a better loan or Faster Loan?

Put our speed to work for you. With enhanced guidelines we issue loan approvals in under 24 hours! We accept loan requests for all borrowers with scores ranging from 800+ to 580 and even a true 1st time homebuyer, no score. As a Lender who finances ALL of our loans with our own CASH, we are not resticted to the long delays or unexpected issues that often arise with others who are NOT in total control of the loan. If we issue an approval the loan is 100% guaranteed to close. We are experts in residential purchases and refinancing throughout Colorado. In addition, we offer reverse mortgages, jumbo’s, combo 1st and 2nd mtg’s and high LTV lending!

What we do…

FNMA & FHLMC
FHA/VA & Reverse Mtg’s
H.A.S.P. & A.R.R.A.
Jumbo
Purchase & Refinance

Product Highlights…

Low Fixed Rates
Fast and Easy closings
No upfront fees to USM
FHA Streamlines
No Middleman

The softer side of hard money. US Mortgages.

We offer loan sizes from $50,000 to $2M*

US Mortgage Division begins with “U” You…
You are our client and we take that seriously! We go above and beyond typical lender processes to complete the loan request and ensure all is done professionally and timely.

Our typical loan goes from application to close in 21 days!

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

Disclaimer: Not all consumers will qualify for loan requested. Lowest rates and APR’s require excellent credit (720+) and require full documentation of income. Borrowers with less than excellent credit may be offered alternative loans with the same rules of full disclosure and fee guarantee, as above. Conforming and FHA loan limit increases vary depending on state and county property is located. Loans exceeding 417,000 require *excellent credit and carry additional underwriting guidelines and LTV limits. USMortgages is a private company and not HUD. APR for above rates are based on 300k loan amount at 80% ltv as of 8/24/10. HASP loans can carry additional costs based on credit and total (CLTV) combined loan to value. US Mortgage Division an affiliate of DMC Inc ML100028888 All loans are made within Federal, State and Local laws. Equal Housing Lender.

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