First Time Home Buyer

With down payments as low as 3% and home ownership education designed to set you up for success, we’ll help you navigate the home-buying process like a pro. Learn More.

Home Equity

Your home can be the key to your next loan. Well qualified borrowers can borrow up to 85% of the value of your primary residence, using that home as collateral. Learn More.

 

Construction-to-Permanent Loans

Whether you are building your new dream home from the ground up or planning to renovate or expand your current one, a construction-to-permanent loan from USALLIANCE is a great foundation. Learn More.

Conventional Loans

Conventional loans are mortgages that are not covered by any government insurance or guarantee program, and where the loan amount does not exceed FNMA loan limits.

Up to 97% financing for most properties and mortgage products. Loans with less than 20% down payment, or refinanced loans with less than 20% equity in the property will require private mortgage insurance.

May also be used to purchase and refinance primary and second homes. Borrowers may choose either a fixed or an adjustable rate loan with up to 30 years to repay.

Refinancing your current mortgage could lower your interest rate in addition to your monthly mortgage payments. View Rates.

Adjustable Rate Mortgage

ARMs are great for homebuyers who plan to trade up in future years because interest rates generally begin lower than fixed rate mortgages.

An Adjustable Rate Mortgage (ARM) features a variable interest rate, which is periodically adjusted, based on the change in a financial index, plus a margin that is established at origination. Interest rate changes are limited or capped at each adjustment and for the life of the loan. ARMs may provide the security, flexibility and affordability prospective home buyers desire.

5/1, 5/5, 7/1, 10/1, and 15/1 adjustable rate mortgages for conforming and jumbo loan amounts.

Each ARM product has their own index, margin, and caps.

The initial interest rate is fixed for a certain period. View Caps.

Jumbo Loans
If you find yourself requiring financing greater than what a conventional loan can provide, we can help. Repayment options also vary, enabling you to select a mortgage that fits your budget.

Minimum down-payment or equity requirement as low as 20%.

Eligible Property Types: Owner Occupied 1-4 Unit Primary Residences and 1 Unit Second/Vacation Homes (Investor Properties and Coops are not eligible).

Super Jumbo Loan Amounts of $1,500,001+ available. Minimum Credit Score (FICO) 680*. Learn More.