Rate and Term, Cash Out or Home Improvement – it’s never been easier.

Home Refinances fall into one of three categories: Rate and Term, Cash Out or Home Improvement:

  1. Rate and Term Refinance: Most common refinance used to lower mortgage rates and payments. Cash out is limited to $2,000 or 2% of loan amount, whichever is less.
  2. Cash-Out Refinance: Cash out refinancing on a first lien is limited to 80% of the appraised value in most cases. You can consolidate debt, payoff a second mortgage or take cash in hand.
  3. Home Improvement Refinance: Funds from the refinance are used for home improvements.

US Financial – Home of the Lowest Mortgage Rates

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Loan Options

Find the perfect mortgage loan for buying a new house or refinancing your home.

Conforming Loan

The lowest mortgage rates and the fastest closing times.

Jumbo Loan

Take advantage of our low mortgage rates for loans over $417,000.


Refinance to current mortgage rates without the drawbacks.

FHA Loan

Easier to qualify and small down payments for buying a house.

VA Loan

Dedicated to military personnel, Veterans and their families.

Why do our customers choose us ?

I diligently shopped around for the best mortgage rates in the Reno area and ended up going with Mark at US Financial. I got a really good rate and Mark was helpful through the whole ordeal.

Wade Johnston
Wade JohnstonRead More on Google+

We needed to refinance and contacted US Financial and from the get go, Mark provided outstanding service, he was extremely helpful and answered all our questions. I will strongly recommend Mark to everyone I know.

Ronald LeFrancois
Ronald LeFrancoisRead More on Google+

Working with Mark on the financing for our recent home purchase was an absolute pleasure. His communication was consistently clear, complete and thoughtful, throughout the process. He was always on time and helped us to easily beat target approval and closing dates.

Rob Allen
Rob AllenRead More on Google+