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If you have an existingU.S.Bankfirst mortgage, a U.S.Bank Smartly™ Checking account or an existing Gold or Platinum Checking Package, you may be eligible for a customer credit1 of 0.25% of the loan amount off the closing costs of a new first mortgage, up to a maximum of $1,000.2
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Explore articles for additional home loan insights.
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Get answers to commonly asked home loan questions.
Home mortgage loans are offered by lenders to qualifying borrowers. A borrower pays back the home loan over an agreed length of time called a “term”.
Unlike a mortgage prequalification, ahome loan pre-approvalrequires some extra paperwork such as W-2s, pay stubs, bank statements and tax returns. It also involves pulling your credit score and history. With this information, your lender will then be able to determine your loan amount, so you can shop for homes within your price range. A pre-approval only lasts 90 days, so it’s best to wait until you’re ready to start shopping.
Mortgage rates can be confusing. There are two key types generally referenced when you do research: interest rates and annual percentage rates (APR). In short, your interest rate is determined at the end of your application process, but you can get rough ideas of what to expect prior to applying. APR takes additional factors into consideration, like mortgage fees.See local ratesin your area or learn more about thedifferences between interest rates and APR.
There are a number of factors that mortgage lenders consider before offering a loan to a customer, like credit history and credit score, debt to income ratio, down payment amount and more. A great place to start is toget prequalifiedfor a mortgage. You can also speak with amortgage loan officer near youif you’re looking for more details into how you can better prepare for a new mortgage.
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Disclosures
Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rates and program terms are subject to change without notice. Mortgage, home equity and credit products are offered by U.S.Bank National Association. Deposit products are offered by U.S.Bank National Association. Member FDIC.
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Footnote
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Clients may be eligible for this credit with an existing U.S.Bank first mortgage, a U.S.Bank Smartly Checking account or an existing Gold or Platinum Checking Package. A minimum of $25 is required to open a U.S.Bank Smartly Checking account. For a comprehensive list of account pricing, terms and policies see the Consumer Pricing Information disclosure and the Your Deposit Account Agreement. These documents can be obtained by contacting a U.S.Bank branch or calling 800-872-2657.
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To calculate the U.S.Bank Client Credit, take 0.25% of your new first mortgage loan amount and deduct it from the closing costs. For purchase or refinance transactions, the maximum credit is $1,000. Certain mortgages may not be eligible for stated credits. Offer may not be combined with any other mortgage offers and can only be applied once per property within a 12-month period.
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Equal Housing Lender