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Mortgage Loan Officer

Carolyn Langie

Mortgage Loan Officer

NMLS# 694715

Reviews on Zillow

Connect with Carolyn

  • carolyn.langie@usbank.com
  • 310-205-7544
  • 310-753-3114

  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

About me

No matter where you are in the home buying process, I can help.

  • As a mortgage loan officer right here in Englewood, I work with you to help you find the right mortgage for your unique situation.
  • You probably have lots of questions. How much house can I really afford? Which type of mortgage best fits my needs? I can help you answer questions like that and I've worked with lots of people in and around Englewood with home financing needs similar to yours.

I'm proud to work for a reputable bank like U.S. Bank, and you can trust me to do what's right for you. So give me a call at 310.205.7544.

Service areas include

  • Los Angeles
  • Inglewood

Primary location

U.S. Bank Area Served
Los Angeles, CA 90004

Connect with Carolyn

  • Email carolyn.langie@usbank.com

  • 310-205-7544

  • 310-753-3114

  • Request a Call

    Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

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Compare rates for a variety of mortgage types.

See mortgage rates

Refinance rates

Compare rates for a variety of home refinancing options.

See refinance rates

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Estimate your total monthly mortgage payment.

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Mortgage FAQ

Get answers to common home-buying questions.

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Today's mortgage rates in California.

The mortgage rates shown below assume a few basic things, including:

  • You have very good credit (a FICO® Score of 740+) and a specific down payment amount for your loan type.1
  • Your loan is for a single-family home as your primary residence.
  • You will purchase up to one mortgage discount point in exchange for a lower interest rate. Connect with your mortgage loan officer to learn more about mortgage points.

Rates are current as of .

See rates for other states.

Compare current mortgage rates.

Conventional fixed-rate mortgages

Term Rate APR Monthly Payment Points
30-year fixed
20-year fixed
15-year fixed
10-year fixed

Conventional adjustable-rate mortgages

Term Rate APR Monthly Payment Points
10/1
7/1
5/1

Jumbo adjustable-rate mortgages

Term Rate APR Monthly Payment Points
10/1 Jumbo
7/1 Jumbo
5/1 Jumbo

FHA mortgages

Term Rate APR Monthly Payment Points
30-year fixed - FHA

VA mortgages

Term Rate APR Monthly Payment Points
30-year fixed - VA

Jumbo mortgages

Term Rate APR Monthly Payment Points
30-year fixed - jumbo
20-year fixed - jumbo
15-year fixed - jumbo

Carolyn Langie

Mortgage Loan Officer

NMLS# 694715

310-205-7544

  • carolyn.langie@usbank.com

  • 310-205-7544

  • 310-753-3114

  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

Today's refinance rates in California.

The mortgage rates shown below assume a few basic things, including:

  • You have very good credit (a FICO® Score of 740+) and a specific amount of equity for your loan type.1
  • Your loan is for a single-family home as your primary residence.
  • You will purchase up to one mortgage discount point in exchange for a lower interest rate. Connect with your mortgage loan officer to learn more about mortgage points.

Rates are current as of .

See rates for other states.

Compare current refinance rates.

Conventional fixed-rate refinance loans

Term Rate APR Monthly Payment Points
30-year fixed
20-year fixed
15-year fixed
10-year fixed

Conventional adjustable-rate refinance loans

Term Rate APR Monthly Payment Points
10/1
7/1
5/1

Jumbo adjustable-rate refinance loans

Term Rate APR Monthly Payment Points
10/1 Jumbo
7/1 Jumbo
5/1 Jumbo

FHA refinance loans

Term Rate APR Monthly Payment Points
30-year fixed - FHA

VA refinance loans

Term Rate APR Monthly Payment Points
30-year fixed - VA

Jumbo refinance loans

Term Rate APR Monthly Payment Points
30-year fixed - jumbo
20-year fixed - jumbo
15-year fixed - jumbo

Carolyn Langie

Mortgage Loan Officer

NMLS# 694715

310-205-7544

  • carolyn.langie@usbank.com

  • 310-205-7544

  • 310-753-3114

  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

Mortgage calculator

Use our mortgage calculator to help you better understand your home financing options.

Carolyn Langie

Mortgage Loan Officer

NMLS# 694715

310-205-7544

  • carolyn.langie@usbank.com

  • 310-205-7544

  • 310-753-3114

  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

Reviews

Zillow

Carolyn Langie

Mortgage Loan Officer

NMLS# 694715

310-205-7544

  • carolyn.langie@usbank.com

  • 310-205-7544

  • 310-753-3114

  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

Mortgage FAQ

Get answers to your questions regarding home financing, refinancing and more.

Lot loans

If you’re considering a lot loan, you should be prepared to meet a variety of qualifying factors that can include credit score, down payment amount and debt-to-income ratio. You can strengthen your ability to qualify by monitoring your credit score and taking steps to get your score as high as possible prior to applying for the loan. Contact your mortgage loan officer to learn more about how to get a lot loan.

A lot loan is a mortgage that pays for a residential lot on which a single-family detached home will be built in the near future. It’s different from a construction loan in that it only pays for the lot the home will be built on. The construction loan pays for the construction of the home itself. Condo properties and properties with existing structures on the site are not eligible.

Lot loans are available to qualified buyers who are interested in buying a lot to build a home on. With lot loans, the initial interest rate is fixed for a set period and then becomes variable, adjusting every year for the remaining life of the loan. For example, a 3/1 ARM lot loan has a fixed rate for the first three years and an adjustable rate for the remaining duration of the loan. To learn more about how lot loans work, connect with your mortgage loan officer.

American Dream mortgage loan

American Dream is a mortgage loan program only available through U.S. Bank. It’s designed to help low- to-moderate income borrowers who may have difficulty qualifying for conventional financing. Benefits of the American Dream home loan include a low down payment option without having to pay mortgage insurance and down payment assistance up to $10,000 which may be used for repairs, down payment and/or closing costs.

Conventional fixed-rate loans

A fixed-rate loan is one of the most common types of home loans. Benefits include a consistent rate, predictable monthly principal and interest payments and a flexible down payment. If you have good credit and a low debt-to-income ratio (the ratio of total monthly debt payments – not including utilities, cell phone or cable service – compared to gross monthly income), a conventional fixed-rate loan may be a good option for you.

A fixed-rate loan is a type of loan that comes with an interest rate that won't change for the life of the loan. Check out today’s rates for a conventional fixed-rate loan or compare mortgage rates for a variety of loan options. Connect with your mortgage loan officer to learn more about how fixed-rate loans work.

Monthly principal and interest payments on a conventional fixed-rate mortgage remain the same for the life of the loan, making it an attractive option for those who plan to stay in their home for several years. With an adjustable-rate mortgage (ARM) the interest rate may change periodically, based on a pre-determined index, for example the U.S. Treasury, and margin set by the bank. The initial interest rate is fixed for a set period, typically three to 10 years depending on the loan product, and then becomes variable. An increase or decrease depends on the market conditions at the time of the conversion to the variable rate and during the adjustment period thereafter. This may be a good option for those who plan on moving within a few years. Consider the benefits of each to determine which makes the most sense for your situation.

ARM loans

An adjustable-rate mortgage (ARM) is a home loan with an interest rate that adjusts throughout the life of the loan based on the market. The initial set rate period is typically three to 10 years. After the introductory rate term expires, the estimated payment and rate may change. An increase or decrease depends on the market conditions at the time of the conversion to the variable rate and during the adjustment period thereafter. An ARM loan could be a good option if you plan to sell within a few years.

With an adjustable-rate mortgage (ARM) loan the initial interest rate is fixed for a set period and then becomes variable, adjusting every year for the remaining life of the loan. For example, a 10/1 ARM has a fixed rate for the first 10 years and an adjustable rate for the remaining duration of the loan. To learn more about how ARM loans work, connect with your mortgage loan officer.

Yes, as with most any existing mortgage loans, an existing ARM loan can be refinanced upon credit approval. There are several potential benefits to refinancing a mortgage , such as changing terms, lowering monthly payments, getting access to cash for major purchases and reducing your interest rate. Your mortgage loan officer can help you find the right choice for your needs.

Jumbo loans

A jumbo loan is a non-conforming loan for single-family homes with loan amounts greater than $726,200. In certain high cost areas, such as Alaska and Hawaii, the conforming limit is up to $1,089,300. To qualify for a jumbo mortgage loan, you must meet the established guidelines for credit score, income and other personal financial information.

Jumbo loans are mortgages that exceed conforming loan limits. The limit on conforming loans is $726,200 in most areas of the country, but jumbo mortgages can exceed these limits. The limit can be as high as $1,089,300 in certain high cost areas, including Alaska and Hawaii.

A VA jumbo loan is a Veterans Affairs (VA) loan that exceeds the conforming loan limit of $726,200 and up to $1,089,300 in high-cost areas such as Alaska and Hawaii. If you’re an active-duty service member, veteran or eligible surviving spouse, and you meet the income and credit requirements, a VA jumbo loan could be an option for you.

Carolyn Langie

Mortgage Loan Officer

NMLS# 694715

310-205-7544

  • carolyn.langie@usbank.com

  • 310-205-7544

  • 310-753-3114

  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply
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Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all   states for all loan amounts. Interest rate and program terms are subject to change without notice. Mortgage, home   equity and credit products are offered through U.S. Bank National Association. Deposit products are offered through   U.S. Bank National Association. Member FDIC. Equal-Housing-Lender"   Equal Housing Lender

Calculators are provided by Leadfusion. This calculator is being provided for educational purposes only.  The results are estimates that are based on information you provided and may not reflect U.S. Bank product terms. The  information cannot be used by U.S. Bank to determine a customer's eligibility for a specific product or service. All  financial calculators are provided by the third-party Leadfusion and are not associated, controlled by or under the  control of U.S. Bank, its affiliates or subsidiaries. U.S. Bank is not responsible for the content, results, or the  accuracy of information.

1. The rates above assume you have a down payment, or equity, of at least 25% for  a conventional fixed-rate loan, an adjustable-rate mortgage (ARM) loan or a jumbo loan, at least 3.5% for an FHA loan  and 0% for a VA loan.

Conforming fixed-rate estimated monthly payment and APR example: A  $464,000 loan amount with a 30-year term at an interest rate of 6.500% with a down-payment, or borrower equity of 25%  and no discount points purchased would result in an estimated principal and interest monthly payment of $2,933 over  the full term of the loan with an Annual Percentage Rate (APR) of 6.667%.

Estimated monthly payment and APR calculation are based on a down-payment, or borrower equity of 25% and  borrower-paid finance charges of 0.862% of the base loan amount. If the down payment, or borrower equity is less than  20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Estimated monthly  payment does not include amounts for taxes and insurance premiums and the actual payment obligation will be greater.

ARM estimated monthly payment and APR example: A $464,000 loan  amount with a 30-year term at an interest rate of 5.5% with a down payment, or borrower equity of 25% and no discount  points purchased would result in an initial estimated monthly payment of $2,635 with an Annual Percentage Rate (APR)  of 6.345%.

Estimated monthly payment and APR calculation are based a fixed-rate period of 5 years that could change  in interest rate each subsequent year for the next 25 years of the loan term, a down-payment, or borrower equity of  25% and borrower-paid finance charges of 0.862% of the base loan amount, plus origination fees if applicable. After  the 5-year introductory period: the APR is variable and is based upon an index plus a margin. The APR will vary  with a predetermined index as published in the Wall Street Journal. If the down payment, or borrower equity is less  than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Estimated monthly  payment does not include amounts for taxes and insurance premiums. Adjustable-rate loans and rates are subject to  change during the loan term. That change can increase or decrease your monthly payment.

FHA estimated monthly payment and APR example: A $265,375 base loan amount with a  30-year term at an interest rate of 6.250% with a down payment, or borrower equity of 3.5% and no discount points  purchased would result in an estimated principal and interest monthly payment of $1,663 over the full term of the loan  with an Annual Percentage Rate (APR) of 7.478%.

Estimated monthly payment and APR calculation are based on a down payment, or borrower equity of 3.5%  and borrower-paid finance charges of 0.862% of the base loan amount. Estimated monthly payment and APR assumes that  the upfront mortgage insurance premium of $4,644 is financed into the loan amount. The estimated monthly payment shown  here does not include the FHA-required monthly mortgage insurance premium, taxes and insurance premiums, and the  actual payment obligation will be greater.

VA estimated monthly payment and APR example: A $264,000 base loan amount with a  30-year term at an interest rate of 6.250% with no down payment, or borrower equity and no discount points purchased  would result in an estimated monthly payment of $1,663 with an Annual Percentage Rate (APR) of 6.663%.

Estimated monthly payment and APR calculation are based on a down payment, or borrower equity of 0% and  borrower-paid finance charges of 0.862% of the base loan amount, plus origination fees if applicable. Estimated  monthly payment and APR assumes that the VA funding fee of $6,072 is financed into the loan amount. Estimated monthly  payment does not include amounts for taxes and insurance premiums, and the actual payment obligation will be greater.

Jumbo estimated monthly payment and APR example: A $940,000 loan amount with a 30-year  term at an interest rate of 5.625% with a down payment, or borrower equity of 25% and no discount points purchased  would result in an estimated monthly payment of $5,411 with an Annual Percentage Rate (APR) of 5.784%.

Estimated monthly payment and APR calculation are based on a down payment, or borrower equity of 25% and  borrower-paid finance charges of 0.862% of the base loan amount. If the down payment, or borrower equity is less than  20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Estimated monthly  payment does not include amounts for taxes and insurance premiums and the actual payment   obligation will be greater.

The rates shown above are the current rates for a single-family  primary residence based on a 45-day lock period. These rates are not guaranteed and are subject to change. This is not  a credit decision or a commitment to lend. Your final rate will depend on various factors including loan product, loan  size, credit profile, property value, geographic location, occupancy and other factors.

To lock a rate, you must submit an application to U.S. Bank  and receive confirmation from a mortgage loan officer that your rate is locked. Application can be made by  starting it online or by meeting with a mortgage loan officer.

Minnesota properties: To guarantee a rate, you must receive  written confirmation as required by Minnesota Statute 47.206. This statement of current loan terms and conditions is  not an offer to enter into an interest rate or discount point agreement. Any such offer may be made only pursuant to  subdivisions 3 and 4 of Minnesota Statutes Section 47.206.

Conforming Fixed-Rate Loans - APR calculation assumes a  $464,000 loan with a down payment, or borrower equity of 25% and borrower-paid finance charges of 0.862% of the  loan amount, plus origination fees if applicable. If the down payment, or borrower equity is less than 20%, mortgage  insurance may be required, which could increase the monthly payment and the APR. Conforming rates are for loan amounts  not exceeding $726,200 ($1,089,300 in AK and HI).

Conforming ARM loans - Adjustable-rate loans and rates are subject  to change during the loan term. That change can increase or decrease your monthly payment. APR calculation assumes a  $464,000 loan  with a 25% down payment and borrower-paid finance charges of 0.862% of the loan amount, plus  origination fees if applicable. If the down payment is less than 20%, mortgage insurance may be  required, which could increase the monthly payment and the APR. Conforming rates are for loan  amounts not exceeding $726,200 ($1,089,300 in AK and HI).

Non-conforming ARM Loans - Adjustable-rate loans and rates  are subject to  change during the loan term. That change can increase or decrease your monthly payment. APR calculation assumes a  $940,000 loan with a down payment, or borrower equity of 25% and borrower-paid finance charges of 0.862% of the loan  amount, plus origination fees if applicable. If the down payment, or borrower equity is less than 20%, mortgage  insurance may be required, which could increase the monthly payment and the APR. Non-conforming rates are for loan  amounts exceeding $726,200 ($1,089,300 in AK and HI).

Jumbo Loans - Annual Percentage Rate (APR) calculation assumes a  $940,000 loan with a 25% down payment or borrower equity and borrower-paid finance charges of 0.862% of the loan  amount, plus origination fees if applicable. If the down payment, borrower equity is less than 20%, mortgage insurance  may be required, which could increase the monthly payment and the APR. Jumbo rates are for loan amounts exceeding  $726,200 ($1,089,300 in Alaska and Hawaii).

FHA Loans - Annual Percentage Rate (APR) calculation assumes a  $270,019 loan ($265,375 base amount plus $4,644 upfront mortgage insurance premium) with a 3.5% down  payment, or borrower equity, monthly mortgage insurance premium of $176.30, and borrower-paid finance charges of  0.862% of the base loan amount, plus origination fees if applicable.

VA Loans - Annual Percentage Rate (APR) calculation assumes a  $270,072 loan ($264,000 base amount plus $6,072 VA Funding Fee for first time use) with no down payment, or borrower  equity and borrower-paid finance charges of 0.862% of the base loan amount, plus origination fees if applicable.

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