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Mortgage Loan Officer

Jason Conn

Mortgage Loan Officer

NMLS# 210515

404.267.7783

Reviews on Zillow

Connect with Jason

  • jason.conn@usbank.com
  • 404.267.7783
  • 404.210.6663

  • 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 Decatur, 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 Decatur 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 404.267.7783.

Certifications

  • Certified Construction Mortgage Loan Officer
  • Wealth Management Mortgage Banker

Service areas include

  • Decatur, GA
  • Atlanta, GA
  • Destin, FL
  • Greensboro, GA
  • Atlanta, GA

Primary location

U.S. Bank Area Served
Atlanta, GA 30033

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  • Emailjason.conn@usbank.com
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    404.210.6663

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

Ready to apply? Start your application.

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Jason Conn

Mortgage Loan Officer

NMLS# 210515

404.267.7783

  • jason.conn@usbank.com

  • 404.267.7783

  • 404.210.6663

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

Ready to apply? Start your application.

Apply

Reviews

Zillow

Jason Conn

Mortgage Loan Officer

NMLS# 210515

404.267.7783

  • jason.conn@usbank.com

  • 404.267.7783

  • 404.210.6663

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

Ready to apply? Start your application.

Apply

Mortgage FAQs

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

Physician loans

A physician loan is a mortgage designed for Doctors of Medicine (MD) and Doctors of Osteopathic Medicine (DO). They offer low down payment options and relaxed debt-to-income ratios. Another benefit is that they don’t require private mortgage insurance (PMI).

Physician loans are available to recent medical school graduates, new doctors or residents. They often have more flexible lending requirements regarding down payment, debt-to-income ratio and private mortgage insurance (PMI). To be eligible for a physician loan, the property must be your primary residence. Second homes and vacation homes do not qualify. To learn more about how physician loans work, connect with your mortgage loan officer.

No. Physician loans differ from conventional loans in several ways. Physician loans don’t require private mortgage insurance (PMI), they’re flexible with debt-to-income ratios and they typically will accept a signed contract as employment verification.

Construction loans

Construction loans are short-term, interim loans used for new home construction, including land, contractor labor, building materials, permits and more. With these loans, the contractor receives disbursements as work progresses. There are a number of construction loans designed to fit nearly every new home construction need. Some options include construction-only loans and construction-to- permanent loans, where the loan is used for the construction of the home and then converts into a permanent mortgage loan.

Construction loans are short-term loans that cover the cost of building a new home. These loans are usually shorter in duration and are paid directly to the contractor in installments, or “draws,” as building milestones are achieved. An inspection is typically required before each payment is released to the contractor. To learn more about how construction loans work, connect with your mortgage loan officer.

If you’re considering a construction loan, you should be prepared to meet a variety of qualifying factors that can include credit score, debt-to-income ratio and credit history. You can strengthen your ability to qualify by taking steps to build and maintain a solid credit history and score prior to applying for a loan. If you’re a current U.S. Bank customer, you can monitor your credit for free with our tool. Contact your mortgage loan officer to see if you qualify for a construction loan.

Self-employed borrowers

To qualify for a mortgage loan when self-employed, you’ll need to fill out the same application and meet the same requirements as regular salaried or hourly workers with a W-2 from their employer. The difference is that, you’ll also need to provide some additional documentation, which may include two years of employment verification and income documentation.

To calculate your monthly income, you’ll average your adjusted gross income (total income minus deductions) from the last two years of tax returns. Take your adjusted gross income from each form, add the two numbers together and divide by 24. While there are several factors that determine your eligibility, this simple equation will provide a rough estimate of the amount your mortgage lender will use for consideration of a mortgage loan.

To qualify for a mortgage loan when self-employed, you should be prepared to meet a variety of qualifying factors that can include credit score, down payment and debt-to-income ratio. You can strengthen your ability to qualify by taking steps to build and maintain a solid credit history and score prior to applying for a loan. If you’re a current U.S. Bank customer, you can monitor your credit for free with our tool. Getting a home loan when you’re self-employed is certainly possible, but you must be prepared for a slightly different mortgage process.

VA loans

A Veterans Affairs (VA) loan is a home mortgage that’s backed by the Department of Veterans Affairs. To be eligible for a VA loan, you must be an active-duty service member, veteran or eligible surviving spouse. A VA home loan requires little or no money down at closing, and even with no down payment, mortgage insurance is not required.

Veterans Affairs (VA) loans are available to active-duty service members, veterans and eligible surviving spouses. A Certificate of Eligibility from the VA is required to show whether you qualify based on your service history and duty status. Your mortgage loan officer will work with you to obtain the Certificate of Eligibility and can help you better understand how VA loans work.

Veterans Affairs (VA) loans are available to active-duty service members and veterans who have served at least 90 days of consecutive service during wartime or 181 days during peacetime. National Guard members and reservists are eligible for a VA loan after six years of service or 181 days of active-duty service. Eligible surviving spouses may also qualify. For more information on how to apply for a VA home loan, contact your mortgage loan officer.

There are several ways active-duty service members, veterans and eligible surviving spouses can take advantage of a Veterans Affairs (VA) loan more than once. Here are some ways you may be eligible for another VA loan:

  • Purchase a home with a VA loan and then sell it to buy another home with a new VA loan.
  • Refinance an existing VA loan into another.
  • Have two VA loans for two different homes at the same time.

For more information on VA loans, speak with your mortgage loan officer.

Jumbo loans

A jumbo loan is a non-conforming loan for single-family homes with loan amounts greater than $647,200. In certain high cost areas, such as Alaska and Hawaii, the conforming limit is up to $970,800. 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 $647,200 in most areas of the country, but jumbo mortgages can exceed these limits. The limit can be as high as $970,800 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 $647,200 and up to $970,800 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.

Jason Conn

Mortgage Loan Officer

NMLS# 210515

404.267.7783

  • jason.conn@usbank.com

  • 404.267.7783

  • 404.210.6663

  • 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

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.

Conforming fixed-rate estimated monthly payment and APR example: A $225,000 loan amount with a 30-year term at an interest rate of 3.875% with a down-payment of 20% would result in an estimated principal and interest monthly payment of $1,058.04 over the full term of the loan with an Annual Percentage Rate (APR) of 3.946%.

Estimated monthly payment and APR calculation are based on a down-payment of 20% and borrower-paid finance charges of 0.862% of the base loan amount. If the down payment 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.

Adjustable-rate mortgage (ARM) estimated monthly payment and APR example as of 2/17/2021: A $225,000 loan amount with a 30-year term at an initial interest rate of 3.625% for the first five years with a down-payment of 20% would result in an initial estimated principal and interest monthly payment of $1,026.12 for the first five years with an Annual Percentage Rate (APR) of 3.204%.

Estimated monthly payment and APR calculation are based on an initial 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 of 20% and borrower-paid finance charges of 0.862% of the base loan amount. After the 5-year introductory period: the APR is variable and is based upon the current U.S. Treasury bill index plus a margin set by the bank. The APR will vary with a predetermined U.S. Treasury index as published in the Wall Street Journal. Your interest rate will equal the index rate plus the bank’s margin, rounded to the nearest 1/8 percent, unless your interest rate "caps" limit the amount of change in the interest rate. If the down payment 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. Adjustable-rate loans and rates are subject to change during the loan term. That change can increase or decrease your monthly payment.

The rates shown above are the current rates for a single-family primary residence based on a 60-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 guaranteed rate will depend on various factors including loan product, loan size, credit profile, property value, geographic location, occupancy and other factors.

To guarantee 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 your application 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 - Conforming rates are for loan amounts not exceeding $647,200 ($970,800 in AK and HI). Annual Percentage Rate (APR) calculation is based on estimates included in the table above with borrower-paid finance charges of 0.862% of the base 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 ARM Loans - Conforming rates are for loan amounts not exceeding $647,200 ($970,800 in Alaska and Hawaii). Adjustable-rate (ARM) loans and rates are subject to change during the loan term. That change can increase or decrease your monthly payment. Annual Percentage Rate (APR) calculation is based on estimates included in the table above with borrower-paid finance charges of 0.862% of the base 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.

Jumbo Loans - Annual Percentage Rate (APR) calculation assumes a $600,000 loan with a 20% 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. Jumbo rates are for loan amounts exceeding $647,200 ($970,800 in Alaska and Hawaii).

FHA Loans - Annual Percentage Rate (APR) calculation assumes a $255,290 loan ($250,900 base amount plus $4,390 upfront mortgage insurance premium) with a 3.5% down payment, 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 $179,026 loan ($175,001 base amount plus $4,025 VA Funding Fee for first time use) with no down payment and borrower-paid finance charges of 0.862% of the base loan amount, plus origination fees if applicable.

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