Home Lending Center

Our People Make The Difference, Honestly

If you're ready to make a move, we're ready to help.

Have questions or need assistance? Contact Us

Welcome to the Home Lending Center

Our Team of licensed lending professionals are ready to assist you every step of the way with your financing needs, whether you’re a first time homebuyer or a seasoned homeowner. Our online tools and knowledgeable staff will help you find the mortgage or home equity product that best meets your budget.

We offer a wide range of products, whether you’re looking to:

  • Refinance your current home
  • Purchase a new home
  • Build Your dream home
  • Renovate your existing Home
  • Borrow against the equity you’ve built in your home

Ready to apply?

Apply Now!

Lending programs to meet every need

We partner with Fannie Mae to bring you Home Ready, which provides first time buyers with education and financing to set you up for success.

  • FREE home buyer education classes
  • Answers to frequently asked question
  • Calculators to help you determine your budget
  • Understanding how your credit profile impacts your financing

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Up to 97% financing for most properties and mortgage products Loans with less than 20% down payment, or refinanced loans with less than 20% equity in the property will require private mortgage insurance. May also be used to purchase and refinance primary and second homes. Borrowers may choose either a fixed or an adjustable rate loan with up to 30 years to repay.

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ARMs are great for homebuyers who plan to trade up in future years because interest rates generally begin lower than fixed rate mortgages.

An Adjustable Rate Mortgage (ARM) features a variable interest rate, which is periodically adjusted, based on the change in a financial index, plus a margin that is established at origination. Interest rate changes are limited or capped at each adjustment and for the life of the loan. ARMs may provide the security, flexibility and affordability prospective home buyers desire. 5 year, 7 year, and 10 year adjustable rate mortgages for conforming and jumbo loan amounts.

Each ARM product has their own index, margin, and caps.

The initial interest rate is fixed for a certain period.

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If you find yourself requiring financing greater than what a conventional loan can provide, we can help. Repayment options also vary, enabling you to select a mortgage that fits your budget.

Minimum down-payment or equity requirement as low as 20%.

Eligible Property Types: Owner Occupied 1-4 Unit Primary Residences and 1 Unit Second/Vacation Homes (Investor Properties and Coops are not eligible).

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Jumbo Specials

Up to 90% LTV without PMI

  • Min. FICO Score: 740
  • Min. Reserves: 9 Months of Housing Expenses (PITIA)
  • Add 0.75% to the interest rate


Up to 90% LTV with PMI

  • Min. FICO Score: as low as 700
  • Min. Reserves: as low as 6 Months of Housing Expenses (PITIA)
  • Add 0.125% to the interest rate


Jumbo Specials are offered to well-qualified borrowers.  Additional Terms and Conditions will apply.  Contact a Loan Officer to learn more: (800) 431-2754 x2320.

A HELOC can help finance life’s necessities and luxuries.

Flexible terms with competitive rates: Credit lines from $25,000 to $500,000.

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Your home can be the key to your next loan. Well qualified borrowers can borrow up to 90% of the value of your primary residence, using that home as collateral.

  • Borrow up to 90% of the value of your primary residence
  • Flexible terms with competitive rates
  • Potential tax deductions
  • Use your HELOC to cover any expense

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If you prefer the peace of mind of a fixed interest rate, our Home Equity Loan is the option for you.

  • Borrow up to 90% of the value of your primary residence
  • Flexible terms with competitive rates
  • Potential tax deductions
  • Use your Home Equity Loan to cover any expense


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What our members say...

We closed on our mortgage about two weeks back. Each step of the way from day 1, every member of the USALLIANCE mortgage group were extremely helpful, and were very patient with my wife and myself. Thanks again for all the help along the way.

- Maclucas, New York

Very professional and honest people that I dealt with from the customer service people to the underwriters very pleasant to deal with

- Kayman, Medford, MA

How can we help you?

Buying a home or borrowing on your equity is a major life decision. We’re sure you have questions. And our knowledgeable home lending specialists can help answer them. Please give us a call or schedule an appointment today.

Schedule an appointment
Email us to find a time that fits your schedule.

Schedule Appointment

Call us today
+1 (800) 431-2754 x2320
(M-F 9am-5pm)

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+1 (800) 431-2754 x2320
(M-F 9am-5pm)

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