U.S. Bank National Association 4

NMLS#

400288

About

U.S. Bank National Association 4

No matter where you are in the home buying process, I can help. As a mortgage loan officer working for U.S. Bank National Association, I assist clients in finding the right mortgage for their unique situations. With extensive experience in home financing needs, I have the resources to answer questions about affordability and guide clients through the process. Service areas include Sioux Falls, SD, Brandon, SD, Harrisburg, SD, Tea, SD, and Hartford, SD. Explore our mortgage rates, refinance rates, mortgage calculator, and read customer reviews on Zillow. We also provide FAQs for common home-buying questions and offer resources for builders and realtors.

Loan programs at

U.S. Bank National Association 4

U.S. Bank National Association offers various loan programs to meet the needs of borrowers:

1. Conventional Fixed-Rate Loan: Available with a minimum down payment or equity of 25%. Loan terms are typically 30 years.

2. Adjustable-Rate Mortgage (ARM) Loan: Initial fixed-rate period of five years, followed by periodic interest rate adjustments for the remaining loan term. Minimum down payment or equity of 25% required.

3. Jumbo Loan: For loan amounts exceeding $766,550 ($1,149,825 in Alaska and Hawaii). Requires a minimum down payment or equity of 25%.

4. FHA Loan: Backed by the Federal Housing Administration, this program allows for a down payment or equity as low as 3.5%. Suitable for first-time homebuyers.

5. VA Loan: Specifically designed for veterans, active-duty service members, and eligible surviving spouses. No down payment or equity required.

6. Refinance Programs: Offers options for refinancing existing mortgages to potentially lower interest rates or access equity.

7. Home Equity Loans: Allows homeowners to borrow against the equity in their property.

8. Construction Loans: Provides financing for building a new home from scratch.

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.