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U.S. Home Capital, LLC offers a variety of loan programs to meet your needs.  We are a direct lender and offer both fixed rate and adjustable rate programs. We are direct lenders with decades of experience underwriting both traditional and non-traditional loan products. We are experts in evaluating self-employed borrowers and offer direct access to our underwriters.
 
Conventional 30 Year Fixed Rate
Conventional 15 Year Fixed Rate
Jumbo 30 Year Fixed Rate
Jumbo 15 Year Fixed Rate
FHA 30 Year Fixed Rate
FHA High Balance 30 Year Fixed Rate
Non-Traditional Underwriting
No Income Verification Mortgage

Conventional 30 Year Fixed Rate
Term: 30 years   Maximum Amount: $453,100

Conventional 15 Year Fixed Rate
Term: 15 years   Maximum Amount: $453,100

Jumbo 30 Year Fixed Rate
Term: 30 years   Maximum Amount: $2,000,000

Jumbo 15 Year Fixed Rate
Term: 15 years   Maximum Amount: $2,000,000

FHA 30 Year Fixed Rate
We offer FHA loans to qualified borrowers with credit scores as low at 500!

Term: 30 years   Maximum Amount: $453,100

FHA High Balance 30 Year Fixed Rate
Term: 30 years   Maximum Amount: $625,000

Non-Traditional Underwriting
Programs using alternative means of verifying ability to repay. We will consider income verified by bank statements, assets other than the subject property and income not traditionally used for mortgage qualifying.

Term: 30 years   Maximum Amount: $2,000,000
 
If you've been told you can't qualify for a mortgage talk to us about our alternative loan products. We will use our decades of experience to look for a way to make your loan happen!

No Income Verification Mortgage
For non-owner occupied investment properties we offer financing with no verification of income and no employment necessary!

Term: 30 years   Maximum Amount: $2,000,000
 
Investor loans with no employment required!



Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $484,350 for the contiguous states, District of Columbia, and Puerto Rico or below $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $424,100 with closing costs of $9,677. Jumbo Loans (whose maximum loan amount exceed $484,350 for the contiguous states, District of Columbia, and Puerto Rico or exceed $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $2,000,000 with closing costs of $41,195. Your actual APR may be different depending upon these factors.