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View See All Mortgage Options
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 * Home Loans
 * VA Loan
 * Mortgage Rates
 * Refinance
 * Mortgage Payment Calculator
 * Contact Us 800-531-0341

Contact Us at the Following Number:  800-531-0341



HOME LOANS AND REFINANCE


YOUR HOME, YOUR LOAN, YOUR TERM

We can help make the home loan process easier for you.

Apply now for a home loan or refinance

Already started the process?

Continue where I left off with my home loan or refinance



WHAT KIND OF HOME LOAN IS RIGHT FOR ME?


VA PURCHASE LOAN

A VA loan may be right for those currently serving, veterans and eligible
surviving spouses looking for a no down payment option.See note1

 * Interest rates as low as 6.000%See note2
 * Interest rates as low as 6.334%APRSee note3

Apply now for a VA Purchase Loan
Learn More about VA Purchase Loans


VA INTEREST RATE REDUCTION REFINANCE LOAN (IRRRL)

A VA Interest Rate Reduction Refinance Loan, or IRRRL, can help reduce the
interest rate or shorten the term without getting cash back at closing.

 * Interest rates as low as 6.000%See note2
 * Interest rates as low as 6.120%APRSee note3

Call 800-531-0341 for a VA Interest Rate Reduction Refinance Loan
Learn More about VA Interest Rate Reduction Refinance Loans


VA CASH-OUT REFINANCE LOAN

A VA Cash-out refinance loan may be right for those who want to trade their
home's equity for cash.See note4

 * Interest rates as low as 6.000%See note2
 * Interest rates as low as 6.468%APRSee note3

Call 800-531-0341 for a VA Cash-out Refinance Loan


CONVENTIONAL PURCHASE LOANSEE NOTE5

A conventional loan may be right for those using a down payment to buy a home.

 * Interest rates as low as 6.375%See note2
 * Interest rates as low as 6.577%APRSee note3

Apply now for a VA Cash-out Refinance Loan

Also available:

Conventional Refinance Loan


LOW DOWN PAYMENT LOANSEE NOTE5

A low down payment purchase loan may be a great alternative to an FHA loan, and
for a first-time home buyer.See note6

 * Interest rates as low as 6.375%See note2
 * Interest rates as low as 7.184%APRSee note3

For first time home buyers, an online course may be required.See note7

Apply now for a Low Down Payment Loan

Also available:

HomeReady® ProgramSee note8


VA JUMBO PURCHASE LOAN

A VA jumbo loan may be right for those looking to finance more than $766,550. $0
down payment option for a purchase price up to $1.5 million.See note9

 * Interest rates as low as 6.000%See note2
 * Interest rates as low as 6.344%APRSee note3

Apply now for a VA Jumbo Purchase Loan
Learn More about VA Jumbo Purchase Loans

Also available:

VA Jumbo Refinance Loan


MORTGAGE PAYMENT CALCULATOR

The monthly payment amount shown is based on information you provided and is
only an estimate.See note10

Home price in yearsSee note11

Interest rate in percent

Down payment in dollars This is 0% of the home price

Loan term in years Fixed rate
30-year fixed

30-year fixed 20-year fixed 15-year fixed 10-year fixed
Taxes, insurance, HOA For a more accurate payment estimate, consider adding some
of these options.
Property taxes Optional Monthly payment  in dollars

Homeowners insurance Optional Monthly payment  in dollars

Homeowners association (HOA) Optional Monthly fee  in dollars



ESTIMATED MONTHLY PAYMENT

For an adjustable-rate mortgage, this estimate only applies to the fixed period.
This estimate does not include PMI or the VA funding fee.

Estimated monthly payment: $0.00


STEPS TO HOMEOWNERSHIP

Buying a house is an exciting time. We'll be here to guide you through each
step.

 1. Step 1
    
    
    STEP 1 GET PREAPPROVEDSEE NOTE12
    
    Make the buying process easier when you know what you can spend.
    
    It only takes a few minutes to get preapproved online.
    
     * Tell us a little about your finances and where you want to move.
     * We'll check your credit for a better understanding of your outstanding
       obligations.
     * Get a preapproval letter to help you negotiate better with sellers.
    
    Get preapproved online For a Home Loan
 2. Step 2
    
    
    STEP 2 COMPLETE YOUR MORTGAGE APPLICATION
    
    Your USAA loan officer makes the application process easier.
    
    Once you find a home, your loan officer will help you complete the mortgage
    application. You'll need to provide:
    
     * Income statements, such as pay stubs or award letters.
     * Current bank statements.
     * Other supporting documents as needed. We'll walk you through it.

 3. Step 3
    
    
    STEP 3 ALMOST THERE!
    
    We'll let you know if more information is needed.
    
    During the application review, we'll check to make sure:
    
     * We have all the required documents.
     * Your supporting documents match the application.
     * The title is clear.

 4. Step 4
    
    
    STEP 4 GET YOUR KEYS
    
    Congratulations on your new home!
    
    When all the paperwork is approved, you'll be ready to close. To get the
    keys, you'll need:
    
     * Your ID — a driver's license, passport or military ID
     * A cashier's check or wire transfer to cover your closing costs and down
       payment


USAA HOME LEARNING CENTER


SIX STEPS TO BUYING YOUR HOME, FROM FINDING A LENDER TO CLOSING

Read more


BUILDING YOUR HOME TEAM: WHO WILL YOU WORK WITH?

Read more


SHOULD I RENT OR BUY MY NEXT HOME?

Read more


HOMEBUYING 101


GETTING STARTED

 * Building your home team: Who will you work with?
 * How to begin your homebuying journey: Get prequalified or preapproved
 * Buying a home: How much money will I really need?


FINDING YOUR HOME

 * Tips for buying a home in a seller's market
 * You've found your dream home - time to act quickly
 * 14 questions for your real estate agent


FINANCING YOUR HOME

 * How much home can I afford?
 * Is a 20% down payment really necessary
 * How to get a mortgage preapproval


CLOSING ON YOUR HOME

 * I closed on my mortgage: Now what?
 * Home warranty pros and cons


ADDITIONAL INFORMATION

   
 * How to Secure Your Home
 * Understanding Home Insurance



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Copyright © 2023 USAA

Note  1 VA loans require a one-time fee called a VA funding fee which may be
collected at closing or rolled into your loan. The fee is determined by the loan
amount, your service history, and other factors. A down payment on your VA loan
may be required in certain circumstances and maximum loan limits vary by county.

Note  2 The advertised rates and points are subject to change without notice at
any time and are not available to every borrower. The advertised rates are based
on certain assumptions and loan scenarios, and the rate you may receive will
depend on your individual circumstances, including your credit history, loan
amount, down payment and our internal credit criteria. The advertised rates are
based on a fixed rate mortgage loan and rates will vary based on the term of the
mortgage loan and property location. Other rates, points, and terms may be
available. All loans are subject to credit and property approval. Property
insurance is, and flood insurance may be, required.

Note  3 APR (Annual Percentage Rate) is a rate used to calculate your cost of
borrowing in a year. Unlike interest rates, APR factors in the amount borrowed,
the interest rate, points, one-time fees, and discounts to determine a more
accurate yearly cost. The standardized APR formula is used to make it easier for
consumers to compare rates at different businesses.

Note  4 USAA Bank does not offer a cash out refinance product in the state of
Texas.

Note  5 USAA Bank Mortgage does not currently offer Conventional loans in the
state of Hawaii.

Note  6 First-time homebuyer means someone who has not owned a home in the past
three years.

Note  7 If all occupying borrowers have not owned a home in the past three years
and plan to apply for a USAA Federal Savings Bank, 30-Year Conventional Loan
with less than a 5% down payment, at least one borrower on the mortgage loan
will need to complete a free homebuyer education course online before closing.

Note  8 HomeReady® is a registered trademark of Fannie Mae.

Note  9 A down payment will be required if the purchase price exceeds $1.5
million. If previous entitlement was used, a down payment may be required.

Note  10 This mortgage calculator is intended to assist you with estimating
monthly mortgage payments. This amount does not include VA funding fee, private
mortgage insurance, and other costs associated with owning a home. All examples
are based on the information entered and are for illustrative purposes only.
This is not an offer to lend.

Note  11 Minimum loan amount requirements may apply.

Note  12 Our preapproval is not a commitment to lend. Information used to issue
the preapproval will require verification during the application process.

USAA Bank Mortgage offers mortgage products to members where the property is
located within the Continental United States, AK, HI and DC. Excludes properties
within U.S. Territories. In certain states, product restrictions may apply.

VA IRRRL: All VA rules, guidelines and additional program requirements will
apply. Except as provided by applicable VA guidelines, the same parties
obligated on the original loan must be the parties on the title and obligated on
the new loan. Proceeds from the new loan will only be used toward payment of the
original loan amount. No cash back can be received from the new loan. Payment of
discount points, taxes, insurance and HOA fees are the responsibility of the
borrower. Other exclusions apply. Refinancing either to lower the monthly
payment or change from a variable-rate to a fixed-rate loan could result in an
increase in the total number of monthly payments and interest charges paid over
the full term of the new loan.

Membership eligibility and product restrictions apply and are subject to change.

Bank products provided by USAA Federal Savings Bank, Member FDIC.


USAA FSB NMLS 401058

6028864