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U.S. Bank Area ServedKnoxville, TN 37923
mike.robertson@usbank.com
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Primary location
U.S. Bank Area Served865-286-3106
503-894-4722
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The mortgage rates shown below assume a few basic things, including:
Rates are current as of .
See rates for other states.
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10-year fixed |
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7/6 mo |
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5/1 yr |
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30-year fixed - FHA |
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30-year fixed - VA |
Term | Rate | APR | Monthly Payment | Points |
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30-year fixed - jumbo | ||||
20-year fixed - jumbo | ||||
15-year fixed - jumbo |
Mortgage Loan Officer
NMLS# 238548
865-286-3106
865-286-3106
503-894-4722
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyThe mortgage rates shown below assume a few basic things, including:
Rates are current as of .
See rates for other states.
Term | Rate | APR | Monthly Payment | Points |
---|---|---|---|---|
30-year fixed | ||||
20-year fixed | ||||
15-year fixed | ||||
10-year fixed |
Term | Rate | APR | Monthly Payment | Points |
---|---|---|---|---|
10/6 mo | ||||
7/6 mo |
Term | Rate | APR | Monthly Payment | Points |
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10/1 Jumbo | ||||
7/1 Jumbo | ||||
5/1 Jumbo |
Term | Rate | APR | Monthly Payment | Points |
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30-year fixed - FHA |
Term | Rate | APR | Monthly Payment | Points |
---|---|---|---|---|
30-year fixed - VA |
Term | Rate | APR | Monthly Payment | Points |
---|---|---|---|---|
30-year fixed - jumbo | ||||
20-year fixed - jumbo | ||||
15-year fixed - jumbo |
Mortgage Loan Officer
NMLS# 238548
865-286-3106
865-286-3106
503-894-4722
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyUse our mortgage calculator to help you better understand your home financing options.
Mortgage Loan Officer
NMLS# 238548
865-286-3106
865-286-3106
503-894-4722
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyMortgage Loan Officer
NMLS# 238548
865-286-3106
865-286-3106
503-894-4722
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyGet answers to your questions regarding home financing, refinancing and more.
Depending on your home-ownership goals, there are several options for first-time home buyer loans. Some examples include Federal Housing Administration (FHA), Veterans Affairs (VA) and United States Department of Agriculture (USDA) loans, which allow for low to no-down payments for qualified buyers. Conventional loans are another option, and you could qualify with a credit score as low as 620 but you’ll need a more substantial down payment (up to 20% depending on your situation). It’s important to consider the benefits of different loan options before deciding which one is right for you.
To qualify for mortgage loans that are best suited for first-time home buyers, there are general requirements that can include:
Your mortgage loan officer can work with you to see if you qualify for any first-time home buyer loans.
If you have not owned a home in the last three years, you may be eligible to apply for a first-time home buyer loan and down payment assistance. The requirements for each loan type vary, but they typically are based on your credit score and down payment amount. Contact your mortgage loan officer to see if you qualify.
American Dream is a mortgage loan program only available through U.S. Bank. It’s designed to help low- to-moderate income borrowers get into their next home. Benefits of the American Dream loan include a low down payment option, mortgage insurance that's covered by U.S. Bank, and down payment assistance up to $5,500 or 3% of the purchase price up to $10,000 (whichever is greater), which may be used for repairs, down payment and/or closing costs.
United States Department of Agriculture (USDA) loans are mortgages guaranteed by the U. S. Department of Agriculture. A USDA loan can be a good option for buyers who meet certain income requirements in eligible rural areas. These zero down payment loans offer low interest rates, and they often have more flexible credit requirements than conventional mortgages. Contact your mortgage loan officer to see if you qualify for a USDA loan.
If you’re considering a United States Department of Agriculture (USDA) loan, you should be prepared to meet the established guidelines for credit score, income and debt-to-income ratio. Contact your mortgage loan officer to see if you qualify for a USDA loan.
United States Department of Agriculture (USDA) loans are available to qualified buyers who meet certain income requirements in eligible rural areas. To be eligible for a USDA loan, the home must meet certain requirements and it must be your primary residence in a rural community. Rental properties and vacation homes do not qualify. To learn more about how USDA loans work, connect with your mortgage loan officer.
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 several 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 proceeds 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, there are a variety of qualifying factors, including but not limited to, credit score, debt-to-income ratio and credit history. Contact your mortgage loan officer to see if you qualify for a construction loan.
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 meet the U.S. Bank credit score and debt-to-income ratio (the ratio of total monthly debt payments – not including utilities, cell phone or cable service – compared to gross monthly income) requirements, 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 of five, seven or 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.
Mortgage Loan Officer
NMLS# 238548
865-286-3106
865-286-3106
503-894-4722
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyBy selecting "Continue," you will leave U.S. Bank and enter a third party Web site. U.S. Bank is not responsible for the content of, or products and services provided by , nor does it guarantee the system availability or accuracy of information contained in the site. This Web site is not controlled by U.S. Bank. Please note that the third party site may have privacy and information security policies that differ from those of U.S. Bank.
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