NMLS ID 966439 | MB 0921703

Looking to lower your payment, shorten your term or eliminate PMI? USA Home Loans is here with an extensive array of lending options to help make your dreams a reality!

Lower Your Interest Rate

Most people are interested in just getting the best rate possible, which directly affects their monthly payment. As rates continually change, it might be a good idea to take advantage of a great new rate. From conventional loans to adjustable rate mortgage (ARM) options, USA Home Loans can help you select an option that makes the most sense for you. There are many factors that go into the refinance equation such as your term, taxes, insurance and PMI.

We also offer Home Affordable Refinance Program (HARP) for those who qualify. Click Here to learn more!

Change Your Loan Term

If you’re interested in paying a lot less interest over time, or just lowering the number of years you want to pay for your home, then changing your loan term is the right choice. If for example you are in a 15-year loan term and it’s too much for your budget to bear, switching to a 30-year term is an option that can drastically change your monthly payment.

Take Cash Out

There are many reasons why home owners choose a cash out option, and it depends on your individual situation and goals. The cash you get out can be used for any reason such as paying off bills and debt, home improvements or helping pay for your child’s college education.

Let us know what your goals are and we can help you select an option that makes the most sense for your individual situation.

Shorten Your Term

Typically shorter terms have a lower interest rate, and since there are fewer payments over time, you’ll drastically lower the amount of interest you’ll end up paying once the home is completely paid off. It’s a smart move if it can fit into your budget.

We offer a variety of loan options and we can work with you to determine what makes sense for your situation. Whether you choose a conventional term loan or if you qualify for a VA loan, we’re here to help!

Once you have identified your refinance objectives, we’re able to make those goals a reality today!

Eliminate PMI

Many home owners have Private Mortgage Insurance (PMI) attached to their loan, and they don’t even know it. It’s very common and can increase your payment by hundreds per month.

How Private Mortgage Insurance (PMI) Works
If you have less than 20% for your down payment, or if you have less than 20% equity when refinancing, you most likely have an additional PMI payment that goes to your lender. This additional payment can be hundreds of dollars each month!

If you have lived in your home for several years, not only have you paid down some of your principal, but your home value has likely gone up as well. Combining these two factors can often times allow the home owner to refinance their home and prove that they do indeed have 20% equity in their home and can then shed the PMI payment to drastically lower their monthly payment.

Click Here to Get Qualified!

or you can call us at 1-888-842-0490

Payment Calculator

Please note: this calculator is used as an estimate and may not include expenses such as home owners insurance that every mortgage is requried to have.


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
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
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
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
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
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
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 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
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


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