NMLS ID 966439 | MB 0921703
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USAVA is a VA Approved Lender

Welcome to USA Home Loans


At USA Home Loans, we’re committed to helping our customers make the absolute best lending decisions to fit their individual needs. We’ve helped hundreds of people just like you purchase their first homes or refinance their existing homes to achieve their goals.

Whether you are purchasing a home or refinancing, our expert team of mortgage professionals is committed to helping you secure the best home loan to fit your needs with some of the lowest rates and fees in the industry. We proudly offer 5 star customer service and our excellent rating with the BBB and Business Consumer Alliance is proof of our dedication to our customers.

Our knowledgeable loan specialists are ready to assist you today!

Unbeatable Rates

We encourage our customers to shop and compare. Go ahead, pick 3 to 4 lenders and ask for an estimate. Just make sure USA Home Loans is one of them. We have some of the lowest rates and fees in the industry and we are always looking out for YOUR best interests.

Refinance to Lower Your Payment

With some of our loan products you can refinance up to 100% of the value of your home to receive cash out for any use. You can pay off high interest rate credit cards or installment loans. Now is a great time to pull cash out for home improvements or to help your child pay for college. We have many refinance options to fit your specific needs. Ask a representative for more information today.

Purchasing a Home?

The first step before looking for a home is to get pre-qualified. When shopping for a mortgage it’s wise to look up the company’s rating on the BBB. We are proud of our A+ rating with BBB and our competitive financing. The lower the rate and fees the greater the purchase power for the consumer. We have some of the lowest rates and fees for Jumbo, VA, Conventional, FHA and USDA financing.

Use our secured online application portal for immediate results.

Unbeatable Home Loans

USA Home Loans has been offering great rates on home loans for years to people just like you, with some of the lowest fees in the industry. Our customer service ratings average 5 out of 5 stars from numerous 3rd party sources, so you can be assured you will be well taken care of. We work closely with our customers to help them understand which options are most beneficial for them.

Lower Payments | Lowest Rates | Unbeatable Fees

From traditional home loans to VA home loans, we’ve got you covered with a variety of lending options that have you in mind. Call today to see the difference in our approach or see if you qualify online right now. Our friendly mortgage pros are waiting to help you. You’ll be glad you didn’t wait!

Qualify Today!

Reach Out Today

  • Find out if you qualify
  • Learn about different loan programs to understand their benefits
  • Determine which home loan program makes the most sense for you
  • There’s absolutely no pressure! Call just to educate yourself. You are never obligated to move forward unless you want to

Refinancing Options

USA Home Loans offers numerous loan programs designed to help you do everything from getting cash out to dramatically lowering your payment. Our goal is to educate you on your choices to determine which lending option makes the most sense for your particular situation.

We can help you move from a variable rate that has become a financial burden to a fixed rate mortgage. If you are active duty military we can get you into a VA IRRRL. Regardless of your situation, we have the right mortgage program for you!

Lower Your Payment Today!

If your goal is to significantly lower your monthly payments, call us today for more information. Our experienced loan professionals will help you determine if it’s the best option for you and will never advise you to move forward if it’s not. Your best interests always come first. Start today out right by knowing your options!

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See What Our Customers Say...

In all the years of home ownership, and the countless applications for mortgages and refinances, never have we gone through a process that went so smooth and on schedule before; and got us into our VA Loan that we tried for many years before. USAVA made the process so relaxing we kept wondering why other institutions can't adopt the same principles as those utilized by USAVA. The staff is fantastic, very knowledgeable, kept you updated every step of the way; and if need be were there to hold your hand through the entire process. I will always use USAVA as my first stop for home mortgages/refinancing and look forward to the next time!
Michael Nausin
Michael Nausin
16:53 01 Mar 18
These guys were awesome. My wife and I have done both a home purchase and a refinance with them over the years, and each time it's been great. Anyone that's done this kind of thing knows it can be stressful to pull all the documentation together. They had people helping us through not only which documents to put together but how to organize them to make the process move quicker. They also just lay everything out so it all makes sense rather than it being a mystifying experience and we were never left wondering what was going on. Highly recommend USAVA.
Josh White
Josh White
19:39 31 Jan 18
USAVA helped me refinance in 2016. Everyone was very helpful and was able to answer any questions that I had. If I called for some reason, one of the representatives replied that same day, most times within the hour. Mark has been knowledgeable and helpful when I called to ask if I should refinance again since that date and explained in detail why I should or should not make any changes to my current rate. The USAVA gained my trust and loyalty from the very beginning.
Dennis Dingman
Dennis Dingman
23:14 12 Feb 18
This is Michael Barr, the other half of Joy Barr, and I want to add that the staff at USAVA we're both helpful and informative in our last house purchase. I felt respected as a veteran and always felt they had our best interests in mind and would not hesitate to recommend USAVA to another. Thanks again, Mike. (1st Inf Div/1972)
Joy Barr
Joy Barr
01:38 01 Mar 18
This was the best experience I have ever had financing a home. Alex and Dwayne are TRUE PROFESSIONALS. USAVA Lending made this like a walk in the park. KUDOS to ALL concerned at USAVA. Thank You for being there when I needed you.
21:04 02 Feb 18
Without a doubt, the most professional and positive home mortgage experience I've had. The entire USAVA team works together to get you the best rates and lenders available. Amanda Graham, in particular, was great! She kept us informed every step of the way--even though she had just had her baby! It's funny, we stumbled into USAVA by accident--and it was the most fortunate "accident" we've ever had.
G Smith
G Smith
03:50 09 Jun 18
USA Home Loans is serious about customer satisfaction with very professional and friendly atmosphere. Our loan was processed and closed in no time. The level of communication is top notch and their loan reps are on top of their game - very knowledgeable in all aspects. It was indeed a very pleasant experience dealing with USA Home Loans. Highly commendable! Be more than happy to recommend them to our friends and relatives. Thank you very much!!!
Ben Barrett
Ben Barrett
22:20 10 Jul 18
USA Home Loans was really well informed and supportive every step of the way as we went through the process of buying our new home - they are a great company to work with.
Leslie Sult
Leslie Sult
02:44 23 Aug 18
When others didn't want to work for my wife and I the team at USA Home Loans did. It was a seamless experience from start to finish and I will be back for my streamline.
Paul Keller
Paul Keller
12:06 17 Oct 18
Great services and quick closing! Highly recommended!
Jing Chai
Jing Chai
18:13 16 Jan 19

Talk to one of our Home Loan Professionals Today!


Looking out for YOUR best interests!

Why Choose USA Home Loans?


5 Star Rated Local Home Lender We are a 5 Star Rated Lender

Our home loan specialists have the experience and knowledge to help you navigate the complex world of purchasing a new home, an additional home, or refinancing an existing home. Our highly rated services continue to drive our success because we always put our customers and their best interests first.

Home Lending Experts Home Lending Experts

Our experienced team of mortgage professionals is dedicated to finding the home loan that is just right for you with the lowest possible rates and fees. We have the knowledge to educate you on your options and we will work with you throughout the loan process to provide a smooth transaction and ensure your complete satisfaction.