We help you by serving them.

Choosing the right bank to help your employees become homeowners is a big decision. Our dedicated team of business development and mortgage loan officers have an average of 20+ years of experience assisting corporate employees with their mortgages and relocations. We’re here to provide guidance and to help make their dreams a reality.

National coverage

We’re available in all 50 states, with programs customized to offset costs for your employees who relocate to high-cost areas. And we offer flexibility for your international employees who are relocating to the United States.

Dedicated team

Our dedicated team, backed by the financial strength and broad capabilities of U.S. Bank, will serve your employees with the highest level of care in both our national and international relocation services.

Ways to save

Your employees are eligible to take 0.25% of their new first mortgage loan amount and deduct it from their mortgage closing costs, up to a maximum of $1,000, with our Corporate Programs Customer Credit.1

Industry-leading technology

With our industry-leading technology, your employees can access their applications and engage mortgage loan officers for guidance and real-time status updates.

Mortgage solutions for any move

We provide loans in all 50 states and offer your employees a variety of options to choose from, including:

  • Conventional fixed-rate mortgages: Fixed interest rate loans for eligible buyers, keeping principal and interest payments consistent for the life of the loan.
  • Adjustable-rate mortgages (ARMs): Fixed rate for the first one to 10 years of the loan for eligible buyers. ARM loan rate and loan payments may change at the end of the fixed-rate period, and they are subject to change on an annual basis for the remaining duration of the loan.
  • Interest only: Fixed-rate and adjustable-rate options available with interest-only payments for the first 10 years.
  • Home Possible: Fixed interest loans for eligible first-time homebuyers at offers of $726,200 ($1,089,300 in AK and HI) or less, with fixed principal and interest payments for the life of the loan. Applicants must take a first-time homebuyer course.

  • FHA mortgages: Government-backed loans with flexible guidelines and low down payment options.
  • VA mortgages: Government-backed loans for active or retired members of the military or their spouses, with low or no down payment options.
  • Firstep option: Fixed-rate FHA and VA mortgages with interest rate buydown paid by U.S. Bank for the first year. Buyers can have low down payments and don’t need to be first-time homebuyers.2
  • American Dream: Proprietary U.S. Bank loan with low down payment options and down payment assistance up to $5,500, which can also be used for closing costs and required repairs.

  • Jumbo mortgages: Competitive rates for higher-valued properties that exceed conforming loan limits.

  • Construction loans: Flexible and convenient financing for new construction.
  • U.S. Bank builder lock: Provides buyers extended rate protection up to 360 days. A fee is collected upfront to secure the rate.
  • Lot loans: Financing options for single-family residential lots for a future home with as little as 20% down.

  • Non-permanent resident loans (International): Capabilities to assist your international transferees moving to the U.S. with the flexibility to receive key documents such as a Social Security number and work visa just prior to closing.

  • Doctor loans: Flexible financing options available to Doctors of Medicine (M.D.) and Doctors of Osteopathic Medicine (D.O.).
  • Portfolio loans: Allows added flexibility for loans that do not fit within Freddie and Fannie current guidelines. These loans are kept in the U.S. Bank portfolio.

Our approach to service sets us apart.

At U.S. Bank, our years of industry expertise and breadth of product solutions aren’t all we have to offer. Our focus on doing what’s right places us a step above the rest.

Dedication to ethics

You can bank on our ethics to do what’s right.

  • U.S. Bank has been named one of the World’s Most Ethical Companies® for the eighth consecutive year. – Ethisphere Institute, February 20223
  • Fortune named U.S. Bank one of the 2021 World’s Most Admired Companies.4
  • U.S. Bank was again named to DiversityInc’s Top 50 Companies for Diversity list.5

Mobility trends matter

When you’re looking for resources on home-buying and mobility trends that impact your employees, we have the information you seek.

Challenges of a lump sum relocation program

Read the white paper

U.S. housing market trends and relocation impact

Read the overview

Managing the impacts of appraisal gaps

Read the white paper
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Disclosures

  1. To be eligible for the U.S. Bank Corporate Programs client credit, you need to be employed by, a member of, or affiliated through a participating U.S. Bank Corporate Programs client. For purchase or refinance transactions, the maximum client credit is $1,000. Certain mortgages may not be eligible for stated credits. Offer may not be combined with any other mortgage offers and can only be applied once per property within a 12-month period. 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.

  2. Must qualify at note rate. Temporary interest rate reduction buydown feature will be reflected as a payment adjustment on the mortgage statement for the first 12 months. Temporary buydown available on 1-unit purchase transactions only. Receive an interest rate reduction for first 12 monthly principal and interest payments. Beginning with the 13th mortgage payment through the end of the loan term, the interest rate reverts to the original interest rate when the loan originally closed.

  3. U.S. Bank named one of the “World’s Most Ethical Companies®” Ethisphere Institute, February 2024 (also 2015–2023); for more information about the ‘World’s Most Ethical Company’ designation and scoring methodology, please visit www.worldsmostethicalcompanies.com.

  4. Industry executives, directors, and analysts from 660 companies in 29 countries, with revenues of $10 billion or more, were surveyed by Korn Ferry in collaboration with Fortune Magazine. Survey responders rated their industry peers who paid a fee to be considered on nine criteria: management quality, people management, use of corporate assets, financial soundness, investment value, social responsibility, innovation, quality of products/services, and global competitiveness. Rankings were determined by an aggregate of how peers ranked the company in each of the key attribute categories. Companies that scored in the top half of their industry were recognized. Get more detail about the selection methodology.

  5. On DiversityInc’s Top 50 Companies for Diversity list, U.S. Bank ranks No. 14 on the overall Top 50 list and is the No. 1 ranked bank on the list. The company also placed on several specialty lists, including Top Companies for Philanthropy, Top Companies for LGBTQ+ Employees and Top Companies for People with Disabilities (PwD).

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Visit usbank.com to learn more about U.S. Bank products and services.

Mortgage, home equity and credit products are offered by U.S. Bank National Association. Deposit products are offered by U.S. Bank National Association. Member FDIC.

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. Mortgage, home equity and credit products are offered by U.S. Bank National Association. Deposit products are offered by U.S. Bank National Association. Member FDIC.

“World’s Most Ethical Companies” and “Ethisphere” names and marks are registered trademarks of Ethisphere LLC.