Buying a home
Buy a Home with the Right Mortgage
Start your application online and work through loan choices with a mortgage professional. Compare what you need upfront, what you’ll pay each month, and what fits your plans.
No obligation to take a loan. General questions and booking a call do not start a credit check.
Investment property financing
Build your rental portfolio.
Buying or refinancing a rental property? Explore DSCR purchase and cash-out financing for 1–4 unit rentals and 5–20 unit multifamily properties, using eligible property income. Program and state eligibility apply.
Explore DSCR investor loans (1–20 units) →Make the decision yours
A useful conversation starts with what matters to you.
Know your starting point
Discuss your home search, timing, and comfortable payment range.
Explore loan choices
Compare programs and the details that matter to your situation.
Prepare for the next step
Understand the application and what information may be requested.
Explore your direction
See the options. Understand the tradeoffs.
Use these starting points to explore. A loan professional can help you compare the details for your situation.
Plan the purchase
Start with your budget and the questions that matter to your home search.
Explore home buyingCompare loan programs
Review conventional, FHA, and VA options with a loan professional.
Explore conventional loansPrepare for the process
Understand upfront costs and the next steps in a home purchase.
Read the buyer guideReady to take the next step?
Start your secure online application, or talk through your options first.
Good questions. Clearer choices.
Know what comes next.
Get oriented here. For answers about your own plans, speak with a loan professional.
View licensing disclosuresShould I talk with someone before choosing a home?
A conversation early in your search can help you understand loan options and the costs to consider. Approval remains subject to the application and underwriting process.
What should I compare before choosing a loan?
Review the proposed payment, upfront costs, rate structure, repayment term, and total cost. Ask what can change and which conditions apply to the offer.
Can I discuss my options before applying?
Yes. Book a Call to choose a time or call us directly. Start with your goals and questions, then decide whether an application is the right next step.
What happens after I start an application?
The application begins a review process. A loan professional may request information and supporting documents. Starting an application does not guarantee approval or specific loan terms.
Where should I provide financial documents?
Use the secure application or account portal when documents are requested. Keep personal financial information out of general chat messages.
Where is USAloans licensed?
Review the State Licenses page for company licensing disclosures and the states served. Loan availability also depends on program, property, and eligibility requirements.
Your information, protected.
Encrypted applicationOur application portal uses 256-bit encryption and a SOC 2 Type II audited provider.
Privacy safeguardsPhysical, electronic, and procedural safeguards help protect your information. Employee access requires a business purpose.
Share securelyAsk AI Chat general questions. Use your application account for sensitive details and financial documents.
Your next step, your choice
AI moves the process. You make the next move.
Get answers, begin online, or choose a time to talk. Explore your options with no obligation to take a loan.
Start with a question.
Use AI Chat for general information about loan options and next steps. Try asking: “What should I compare before choosing a home purchase loan?”
Move forward online.
Begin through our secure application portal at your convenience, with personal guidance when you need it.
Start My Application →Talk it through.
Choose a time to discuss your goals, compare costs, and plan your next step with a mortgage professional.
Book My 15-Minute Call →No obligation to take a loan. Complete an initial application and eligibility review with no credit inquiry or a soft inquiry, without affecting your credit score.