Question about NO-Closing Costs?
Estimate your NO-Closing Costs with our table to help you better understand the fees. Learn more
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We will give you custom rates and pricing on mortgage in lessthan 10 minutes. Call us 1.888.360.8794
Why Choose Us?
- Fast closing
- Guaranteed lowest rates
- We're always available
- Instant Custom quote
- Simplified loan process
What's Your Goal?
Lower your mortgage rate
Lowering your monthly payments is the most common reason to refinance. We offer extremely low rates and no-cost loan options to save you money on your monthly payments and interest.
Convert an adjustable rate to a secure, fixed-rate
If you plan to stay in your home long-term, give yourself peace of mind by knowing that your payment and rate will stay the same over time.
Consolidate mortgages into a single, lower-rate mortgage
If you have multiple mortgages, you can consolidate to pay one lowered monthly payment.
Get cash for home improvements or other investments
Use the equity you've built in your home to improve it further by remodeling, landscaping or building an addition; or use it to make other investments.
Pay off credit card or other installment debts
Do you have credit card debt, student loans, car payments or other debt? Use your home's equity to consolidate and pay them off.
Find the Right Loan Program
US Wide Financial offers a wide array of loan programs to meet your mortgage needs. Please ask our experienced Mortgage Advisors for details of various home loan programs and our special needs loans. Contact us.
|Loan Types||This loan is best for...||Loan Features|
|Securing a Fixed Rate||Lowering Your Payment||Building Equity
||Pay Debt/ Get Cash
||Fixed Rate For...||Pre-Payment Penalty|
|Fixed Rate Mortgage Dependable and secure - our most popular loan. Learn more
||Life of Loan||None|
|Adjustable Rate Mortgage The name says it all - this is a great solution if you need more cash monthly.Learn more
||1,3,5,7 & 10 years||None|
|Interest Only Loans These mortgages require only interest payments for 10 years! Learn more||3 - 30 Years||None|
|Home Equity Loans These mortgages require only interest payments for 10 years! Learn more||3 - 30 Years||None|
|Jumbo Loans Larger loan amounts require special financing. Learn more||3 - 30 Years
NO-Closing Costs Question? Learn more
Browse our Rates
|4.25%||4.291%||0||No Closing Cost Loan!||Apply|
|4.00%||4.05%||0||You pay Third Party fees only!||Apply|
|3.875%||3.98%||1.00||You pay Third Party fees only!||Apply|
|3.75%||4.02%||1.50||You pay Third Party fees only!||Apply|
|4.00%||4.05%||0||We pay all Closing Cost!||Apply|
|3.75%||3.781%||0||You pay Third Party fees only!||Apply|
|3.625%||3.74%||.375||You pay Third Party fees only!||Apply|
|3.50%||3.68%||1.00||You pay Third Party fees only!||Apply|
|3.375%||3.381%||0||We pay all Closing Cost!||Apply|
|3.25%||3.28%||0||You pay Third Party fees only!||Apply|
|3.125%||3.21%||.50||You pay Third Party fees only!||Apply|
|3.00%||3.19%||1.00||You pay Third Party fees only!||Apply|
|3.25%||3.28%||0||We pay all Closing Cost!||Apply|
|3.00%||3.05%||0||You pay Third Party fees Only!||Apply|
|2.875%||2.99%||.375||You pay Third Party fees Only!||Apply|
|2.75%||2.86%||.50||You pay Third Party fees Only!||Apply|
|3.375%||3.381%||0||We pay all Closing Cost!||Apply|
|3.00%||3.05%||0||You pay Third Party fees only!||Apply|
|2.875%||2.94%||.25||You pay Third Party fees Only!||Apply|
|2.75%||2.89%||.50||You pay Third Party fees Only!||Apply|
|3.625%||3.661%||0||We pay all Closing Cost!||Apply|
|3.25%||3.28%||0||You pay Third Party fees Only!||Apply|
|3.125%||3.21%||.25||You pay Third Party fees Only!||Apply|
|3.00%||3.29%||.75||You pay Third Party fees only!||Apply|
|3.875%||3.89%||0||We pay all Closing Cost!||Apply|
|3.50%||3.505%||0||You pay Third Party fees Only!||Apply|
|3.375%||3.45%||.50||You pay Third Party fees Only!||Apply|
|3.25%||3.41%||1.00||You pay Third Party fees Only!||Apply|
|4.50%||4.55%||0||No Closing Cost Loan!||Apply|
|4.375%||4.381%||0||You pay Third Party fees only!||Apply|
|4.25%||4.31%||.50||You pay Third Party fees only!||Apply|
|4.125%||4.23%||1.00||You pay Third Party fees only!||Apply|
Choose the right calculator for your needs
Now that I'm in the process, what's next?
- 1 Initial Consultation - Day 1
Our initial counseling session is simple and typically takes about 10 - 15 minutes. During this step, we analyze your goals and make initial determinations as to what loan products might suit your needs the best. The overall objective of this process is to give you the necessary information pertaining to the loan programs, competitive rate offerings, lender fees & third party fees.
- 2 Application - Day 1
Purpose of loan application is for us to get the information required by federal law to obtain a residential mortgage loan. The application process is one of the most vital parts of the loan process since it is the basis on which the lender processes, underwrites, and ultimately funds the loan. Thus, the information provided in your loan application document must be thorough and precise.
- 3 Disclosure and Documentation - Day 1-3
Disclosures along with a Rate Lock Confirmation will be sent out via mail or electronically within three business days of your loan application. As a part of the process, a list of required supporting documentation is needed to process the loan. These documents typically include bank statements, W2 forms, and other income related materials. It is essential that this documentation, along with your signed disclosures be returned to your mortgage advisor within 48 hours of the request. Upon receipt of this documentation, the appraisal and title will be ordered by our staff on your behalf.
- 4 Loan Submission - Day 4-9
After the signed disclosures, required documents, and an appraisal have been received, the loan will be transferred to the underwriting department. The underwriting process involves detailed analysis and due diligence by the lender to ensure the authenticity of borrower's documentation and the appraisal. It also comprises of an appropriate review of the borrower's credit and financial standing with an objective of determining the borrowers credit worthiness pertaining to the desired mortgage loan.
- 5 Loan Approval - Day 10-17
Loan approval may be obtained in stages. Usually within one to three days, your mortgage advisor should have a pre-approval. Any further documentation required will be communicated to you in order to get the final loan approval. If further documentation is not received on time, it may cause unnecessary delays in loan closing.
- 6 Loan Closing and Scheduling Day 18-21
Upon final approval of underwriting, the loan documents will be ready to be signed. Please consult with your mortgage advisor to schedule the closing based upon your availability. Your loan documents will be prepared by the lender and they will work with your title company to prepare your HUD – 1 Settlement Statement. All information on this statement will be reviewed with you prior to closing.
- 7 Loan Funding and Deed Recording Day 22-25
The original signed documents are sent to the lender for the lender's final review to ensure all loan documents were signed and transmitted appropriately. When this is completed, we will "fund" your loan. ("Fund" means that the lender will wire the funds for the amount of the loan to the title company). After the loan has been funded, the title company will record the Deed of Trust with the county in which the property is located (usually by the next day). Upon receipt of confirmation of the deed being recorded, title or escrow will then disburse monies to the appropriate parties. At this time, your loan is considered complete.
- Loan Funding on a Purchase Transaction takes place the same business day.
- Loan Funding on a refinance transaction takes place three business days after signing including Saturday’s, which is required by the federal lending law.
Frequently Asked Questions
- What is an Appraisal?
A home appraisal is a survey of a home by a professional for their opinion of the property market value. In most cases an appraisal is done for a bank when a home is being approved for a loan for the home buyer. The home appraisal is a detailed report that looks at such items as the condition of the home, the neighborhood, what similar homes are selling for, and how quickly similar homes sell (to name a few). The appraisal may be a sales comparison or a cost/replacement opinion of value.
- What are closing cost?
Closing costs are the third party costs (appraisal fee, title fee, credit report fee, etc.), mortgage taxes and lender fees associated with refinance. Learn more.
Estimate your Closing Costs View closing cost table
Third Party Costs
A common fallacy about closing costs is that they all go to your lender’s pocket. In reality, many of the closing costs are third party fees such as appraisal fee, credit report, title company fee, closing fee, survey fee, homeowner's insurance, courier fee etc.
Lender fees include the fees payable to your lending company for their services.
Estimate your Closing Costs
US Wide Financial offers both low-cost and no-cost loan options. Talk to one of our specialists to determine what options are available to you.
- What is no cost or low cost loans?
No cost or low cost loans can help you secure low payments on your loan without putting down a large sum of money as down payment. These options are also available for refinancing. Call today and ask one of our representatives about the no cost and low cost programs that we can offer.
- What is an APR?
APR or annual percentage rate can be defined as the cost of the loan for one year expressed as a percentage. An APR is a comprehensive figure as compared to the interest rate because it generally includes other costs such as PMI, origination fee, pre-paid interest, and points etc. There is no uniform practice in place used to calculate the APR. Therefore, it is important to fully understand the components included in the calculation when comparing APR quotes provided by different lenders.
- What are Points?
Points are an easy way to lower your monthly payments by paying an upfront cost to decrease the interest rate on the mortgage. One point equals one percent of your loan amount. Purchasing points doesn't necessarily make sense in every scenario. Our experts can help you make the decision that will serve your best financial interest.
- What is Loan-to-Value?
Loan-to-Value is simply the loan amount expressed as a percentage of the current value of the property.
- What is Debt-To-Income Ratio?
A debt-to-income ratio (often abbreviated DTI) is the percentage of a consumer's monthly gross income that goes toward paying debts.
- What is PMI?
PMI or Private Mortgage Insurance is required by most lenders if the down payment is less than 20% of the purchase price, i.e. the loan value (borrowed amount) is more than 80% of the property value. The purpose of the PMI is to protect the lender as well as the borrower in the event that the borrower goes default. At the time of refinance, if the loan amount remains to be over 80% of the property's current value, the PMI must be maintained.
- What is an Escrow or Impound Account?
An escrow or impound account is put in place at the time of closing. The account collects a small amount from you every month which is then used to pay the property taxes, PMI premiums, homeowner's insurance premiums, etc. on your behalf. You may think of this as a free service offered by your lender. This protects you against incurring any late fees on these payments and from coming up with large, lump sum amounts of money at different points throughout the year.
- What loan programs are available?
We have a variety of loan programs available to fit the needs of our customers. The suitability of these programs depends on a lot of factors. Ask our friendly specialists about our available programs today.
- Difference between Fixed rate Vs. Adjustable rate Mortgage?
Fixed rate mortgages have a rate of interest that stays the same throughout the term of the loan as opposed to an adjustable rate mortgage with a rate that can keep changing. The changes can be upward or downward. Which is better can depend on a lot of factors. Let our specialists help inform you and make the decision easy.
I just refinanced in October with a different company and it took 2 months to do and was a pain. I had to think long and hard about refinancing again. I was highly impressed with Vibhu Grover. He was very attentive. He would answer questions when I emailed him at 2am. A couple minutes later, I would have an answer. He puts his customers first. I was highly impressed and would use Vibhu Grover again. I was very pleased and have recommended him to others already!— Terri | St. Peters, Missouri
Received a great rate on a 15 year fixed with the best closing costs I could find. Closing was quick and painless. Thanks!— Andi | St. Charles, Missouri
Always responded promptly when I had questions and kept me up to date on everything that was happening throughout the purchase transaction. Vibhu was at closing and made me feel at ease. He made sure that all my questions were answered. US Wide Financial is a great company. They care about the people and believe in the business. That's hard to find these days. Thanks for everything.— Diana | Chesterfield, Missouri
I just wanted to thank you again for all your help with my refinance. It was the smoothest loan process I have ever experienced and think you and your company will do awesome if everyone handles the process like you did.— Patti | Kansas City, Missouri