Great rates
are just the beginning

Why USAloans? Choose Your Rate Instant Pre Approval Everything Online Paperless Process

No personal information required.

Today's Rates

30Y Fixed
15Y Fixed
Purchase

Rate

Costs

APR

Apply

4.374%

$9,358

4.576%

4.624%

$5,526

4.744%

4.750%

$3,562

4.828%

4.874%

$1,562

4.943%

5.000%

No Cost*

5.070%

RATE TABLE ASSUMPTIONS: Negative “Costs” are rebates to the client after closing costs are deducted. Rates based on CA $400,000 Refinance 80% LTV 740+ Fico, >30% DTI. Last updated at . Click “Get My Rate” to check your loan rate scenario. *No cost option will still have prepaid and escrow interest, property taxes, and insurance.
Rate
Costs
APR
Apply
4.374%
$9,358
4.576%
4.624%
$5,526
4.744%
4.750%
$3,562
4.828%
4.874%
$1,562
4.943%
5.000%
No Cost*
5.070%
RATE TABLE ASSUMPTIONS: Negative “Costs” are rebates to the client after closing costs are deducted. Rates based on CA $400,000 Refinance 80% LTV 740+ Fico, >30% DTI. Last updated at 11/06/2023, 14:51:10 PST. Click “Get My Rate” to check your loan rate scenario. *No cost option will still have prepaid and escrow interest, property taxes, and insurance.

Rate

Costs

APR

Apply

3.375%

$9,746

3.735%

3.625%

$5,326

3.821%

3.750%

$3,510

3.879%

3.875%

$1,506

3.992%

3.990%

No Cost*

4.107%

RATE TABLE ASSUMPTIONS: Negative “Costs” are rebates to the client after closing costs are deducted. Rates based on CA $400,000 Refinance 80% LTV 740+ Fico, >30% DTI. Last updated at 04/11/2022 4:51 PM PDT. Click “Get My Rate” to check your loan rate scenario. *No cost option will still have prepaid and escrow interest, property taxes, and insurance.

Rate
Costs
APR
Apply
3.375%
$9,746
3.735%​
3.625%
$5,326​
3.821%​
3.750%
$3,510​
3.879%​
3.875%
$1,506​
3.992%​
3.990%
No Cost*​
4.107%​

RATE TABLE ASSUMPTIONS: Negative “Costs” are rebates to the client after closing costs are deducted. Rates based on CA $400,000 Refinance 80% LTV 740+ Fico, >30% DTI. Last updated at 04/11/2022 4:51 PM PDT. Click “Get My Rate” to check your loan rate scenario. *No cost option will still have prepaid and escrow interest, property taxes, and insurance.

Rate

Costs

APR

Apply

4.374%

$10,857

4.609%

4.624%

$7,025

4.777%

4.750%

$5,057

4.860%

4.874%

$3,061

4.964%

5.124%

No Cost*

5.216%

RATE TABLE ASSUMPTIONS: Negative “Costs” are rebates to the client after closing costs are deducted. Rates based on CA $400,000 Refinance 80% LTV 740+ Fico, >30% DTI. Last updated at 04/11/2022 4:51 PM PDT. Click “Get My Rate” to check your loan rate scenario. *No cost option will still have prepaid and escrow interest, property taxes, and insurance.

Rate
Costs
APR
Apply
4.374%​
$10,857​
4.609%​
4.624%​
$7,025​
4.777%​
4.750%​
$5,057​
4.860%​
4.874%​
$3,061​
4.964%​
5.124%​
No Cost*​
5.216%​

RATE TABLE ASSUMPTIONS: Negative “Costs” are rebates to the client after closing costs are deducted. Rates based on CA $400,000 Refinance 80% LTV 740+ Fico, >30% DTI. Last updated at 04/11/2022 4:51 PM PDT. Click “Get My Rate” to check your loan rate scenario. *No cost option will still have prepaid and escrow interest, property taxes, and insurance.

Great rates

are just the beginning

Why USA Loans?

Choose Your Rate

Instant Pre-Approval

Everything Online

Paperless Process

No personal information required.

Today's Rates ⬇

30 Year Fixed
15 Year Fixed
30 Year Purchase

Rate

Costs

APR

Apply

4.374%

$9,358

4.576%

4.624%

$5,526

4.744%

4.750%

$3,562

4.828%

4.874%

$1,562

4.943%

5.000%

No Cost*

5.070%

RATE TABLE ASSUMPTIONS: Negative “Costs” are rebates to the client after closing costs are deducted. Rates based on CA $400,000 Refinance 80% LTV 740+ Fico, >30% DTI. Last updated at . Click “Get My Rate” to check your loan rate scenario. *No cost option will still have prepaid and escrow interest, property taxes, and insurance.
Rate
Costs
APR
Apply
4.374%
$9,358
4.576%
4.624%
$5,526
4.744%
4.750%
$3,562
4.828%
4.874%
$1,562
4.943%
5.000%
No Cost*
5.070%
RATE TABLE ASSUMPTIONS: Negative “Costs” are rebates to the client after closing costs are deducted. Rates based on CA $400,000 Refinance 80% LTV 740+ Fico, >30% DTI. Last updated at 11/06/2023, 14:51:10 PST. Click “Get My Rate” to check your loan rate scenario. *No cost option will still have prepaid and escrow interest, property taxes, and insurance.

Rate

Costs

APR

Apply

3.375%

$9,746

3.735%

3.625%

$5,326

3.821%

3.750%

$3,510

3.879%

3.875%

$1,506

3.992%

3.990%

No Cost*

4.107%

RATE TABLE ASSUMPTIONS: Negative “Costs” are rebates to the client after closing costs are deducted. Rates based on CA $400,000 Refinance 80% LTV 740+ Fico, >30% DTI. Last updated at 04/11/2022 4:51 PM PDT. Click “Get My Rate” to check your loan rate scenario. *No cost option will still have prepaid and escrow interest, property taxes, and insurance.

Rate
Costs
APR
Apply
3.375%
$9,746
3.735%​
3.625%
$5,326​
3.821%​
3.750%
$3,510​
3.879%​
3.875%
$1,506​
3.992%​
3.990%
No Cost*​
4.107%​

RATE TABLE ASSUMPTIONS: Negative “Costs” are rebates to the client after closing costs are deducted. Rates based on CA $400,000 Refinance 80% LTV 740+ Fico, >30% DTI. Last updated at 04/11/2022 4:51 PM PDT. Click “Get My Rate” to check your loan rate scenario. *No cost option will still have prepaid and escrow interest, property taxes, and insurance.

Rate

Costs

APR

Apply

4.374%

$10,857

4.609%

4.624%

$7,025

4.777%

4.750%

$5,057

4.860%

4.874%

$3,061

4.964%

5.124%

No Cost*

5.216%

RATE TABLE ASSUMPTIONS: Negative “Costs” are rebates to the client after closing costs are deducted. Rates based on CA $400,000 Refinance 80% LTV 740+ Fico, >30% DTI. Last updated at 04/11/2022 4:51 PM PDT. Click “Get My Rate” to check your loan rate scenario. *No cost option will still have prepaid and escrow interest, property taxes, and insurance.

Rate
Costs
APR
Apply
4.374%​
$10,857​
4.609%​
4.624%​
$7,025​
4.777%​
4.750%​
$5,057​
4.860%​
4.874%​
$3,061​
4.964%​
5.124%​
No Cost*​
5.216%​

RATE TABLE ASSUMPTIONS: Negative “Costs” are rebates to the client after closing costs are deducted. Rates based on CA $400,000 Refinance 80% LTV 740+ Fico, >30% DTI. Last updated at 04/11/2022 4:51 PM PDT. Click “Get My Rate” to check your loan rate scenario. *No cost option will still have prepaid and escrow interest, property taxes, and insurance.

Mortgages Simplified

How does a USAloans digital mortgage work?

Mortgages Simplified

How does a USAloans digital mortgage work?

Choose & lock your rate

You can secure your rate and fees on your terms. At application, at approval, or at any time in between.

Get Instant Online Approval

Finish the application and get your instant underwriting decision. You learn if you have any condition(s) to clear on the spot.

Enjoy the Convenience of Our Paperless Process

You can sync your banking information all online without having to upload documents.

Choose & Lock
Your Rate

You can secure your rate and fees on your terms. At application, at approval, or at any time in between.

Get Instant
Online Approval

Finish the application and get your instant underwriting decision. You learn if you have any condition(s) to clear on the spot.

Enjoy the Convenience of
Our Paperless Process

You can sync your banking information all online without having to upload documents.

Choose your rate

You can price your loan 24×7 on mobile or online.

Understand the fees

Our Instant Loan Estimates show you all the costs.

Complete our application to get your automated approval.

Get started now!

The online application only takes 10 to 15 minutes to complete.

Or if you need help..

One of our loan professors will screen share & talk you through it.

Get Real Time Loan Status Updates

Paperless Process

You can upload your documents to our secure online portal 24/7.

Digital Document Signing

In most states, you can sign electronically with a remote notary. There is no need for an in person signing.

Ready to get started?

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Kept us from getting overwhelmed and anxious about the process. Great experience overall!
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We were drowning in debt and as soon as we talked to them, they made me us feel that there was hope.
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The process was smooth and I was able to save 2.25%. I really appreciated the help and guidance and would highly recommend!
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They calmed my fears and explained things to me very clearly and made sure I understood what they shared with me. They are very kind and made me feel appreciated - I wasn't just another customer!
Read More
It was an easy and great experience.
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Want To Book A Meeting

With An Advisor?

Click the button below to schedule a meeting with one of our loan advisors at the time that works best for you.

Want To Book A Meeting

With An Advisor?

Click the button below to schedule a meeting with one of our loan advisors at the time that works best for you.