US Mortgage Division

Specializing in Government Sponsored Mortgage Relief Programs

The A.R.R.A & newly signed H.A.S.P.Act of 2009

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!
Released 02/09 - ARRA, The American Recovery and Reinvestment Act, of 2009 is now signed into temporary law by President Obama. This bill is currently set to expire 12/31/09 and is designed to provide financial options not currently available to tens of thousands of homeowners across the country. Mortgage modifications and higher (LTV) loan to value ratios, are among a few of the many facets of this newly signed act. Details are still emerging on this and we will update as they become available. US Mortgage Division provides 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.
Current RatesEffective
12/31/08 - Economic Stimulus bill HR-5140 has officially ended.
Note: Effective 02/09  many former benefits of HR-5140 plus additional new ones now exist within the ARRA.
While we have over 100 different loan products for almost any need these are the 2 most requested.

5.00%* 30yr Fixed FHA Insured - 5.69 APR
5.00%* 30yr Fixed Conventional - 5.59 APR

Looking for a better loan?

Take advantage of our automated underwriting and approval engine, with enhanced guidelines and loan approvals in under 24 hours! 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 the first choice for residential standard and sponsored 1st mortgages, residential reverse mortgages and specialized wholesale mortgage lending throughout the country!

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
“Fee Guarantee”

The softer side of hard money. US Mortgages.

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

US Mortgage Division begins with “U” You…
Our loans will improve your situation or you pay NOTHING!
We are a Full Service Lender.

We also offer 48hr Pre-APPROVAL’s on all complete submissions. (wholesale only)

Know fast if you qualify for your loan!
Being a Full Disclosure Company…
All loans come with an assurance of due diligence. We do the upfront work to know, as best possible, what products you have available and qualify for. No charges will be paid to USMD by any borrower that are not either fully disclosed on the original GFE, a latter loan change revised GFE given out at least 1 week prior to loan closing. 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 (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. USMortgages is a private company and not HUD. APR for above rates are based on 250k loan amount at 80% ltv as of 1/20/09. Equal Housing Lender.

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