mobile domain:mobile.usaa.com
Skip to Content

Home mortgages from a bank you trust

Looking for a real estate agent?

USAA Agent Connection,‍ ‍ See note 1 powered by HomeStory®, connects you with highly rated local agents to help you buy or sell a home.

Plus, you may be eligible to save up to $9,500 at closing.‍ ‍ See note 2

Explore USAA Agent Connection

card-pack-authored-content-1

Find the right loan for you.

Purchase a home

From conventional‍ ‍ See note 3 to VA loans,‍ ‍ See note 4 we have options.

Explore purchase loans, view home purchase loan options

Refinance a mortgage

You may be able to get cash out‍ ‍ See note 5 or lower your interest rate.

Explore refinancing options, view loan refinance options

Need help getting started? Join us for a homebuying webinar.

We’ll talk about things like types of mortgages, exclusive VA loan benefits, budgeting, and the process from start to finish.

Go to webinars

card-pack-authored-content-2

Homebuying resources

Mortgage payment calculator

Use our calculator to find a monthly payment that may work for you and your budget.

Go to mortgage calculator

Mortgage rates

Check out current interest rates for each type of mortgage we offer and lock yours in today.

Find mortgage rates, view our mortgage rates

Get prequalified for a home loan.

Make the buying process easier when you know what you can spend. It only takes a few minutes to get prequalified online.‍ ‍ See note 6

Start a loan prequalification online

Not a member? Join USAA

Another low down payment option

Owning a home could be within your reach. Learn how a HomeReady® loan through USAA Bank could turn your dream of buying a home into reality.‍ ‍ See note 7

Learn more about HomeReady loans

Why choose us

A top VA home loan lender‍ ‍ See note 8

USAA Bank is a top VA loan lender year after year.

20+ years of experience

USAA Bank has more than 20 years of experience with VA home loans.

Over a century of service

We’ve served the military since our founding in 1922.

Have questions?

For help, questions or to find out what you may qualify for, give us a call.

Call 800-531-0341

For TTY devices, dial 711

Hours of operation for USAA Bank loan officers

Monday to Friday
7 a.m. to 8 p.m. CT
Saturday and Sunday
Closed

Note: Days and times may vary

Related footnotes:

  1. USAA Federal Saving Bank (USAA Bank) is offering the service, USAA Agent Connection, with HomeStory Real Estate Services, Inc (HomeStory), a licensed real estate broker, to help members buy or sell a home.

    HomeStory is not affiliated with USAA Bank. USAA Bank is not responsible for the services or commission credit program provided by HomeStory. Obtaining a mortgage from USAA Bank is optional and not required to participate in the service offered by HomeStory. You may arrange for financing with any lender.

  2. To qualify for the commission credit, you must use a real estate agent who participates in HomeStory’s Real Estate Services Inc (HomeStory) broker-to-broker agreement to complete your real estate purchase and/or sale transaction. You have the right to negotiate the terms of your buyer and/or seller representation agreements. Once your transaction closes successfully, your real estate agent pays a referral fee to HomeStory. All participating agents have been vetted by HomeStory to ensure they meet specific performance expectations based on customer satisfaction ratings and prior experience.

    If you are already working with a real estate agent, please disregard this notice.

    Eligibility and Exclusions:

    To be eligible for the commission credit, your real estate transaction must be completed with a participating HomeStory agent. Short sales, employer-sponsored relocations or any transaction where the real estate agent does not receive a commission are excluded.

    State-Specific Commission Credit Information:

    Commission credit availability, type, and amount may vary based on state regulations. No commission credit is available in the states of Alaska, Iowa, Louisiana, Mississippi, Missouri, Oklahoma, Oregon, Kansas and Tennessee.
    A reduced agent commission may be available for sellers and should be discussed with the agent upon enrollment.
    Commission credit amounts are based on the price of the home purchased and/or sold and cannot exceed $9,500 per transaction.

    Commission Credit Issuance and Enrollment:

    Your enrollment is valid for 18 months from the date of enrollment. If 18 months pass without completing a transaction, you must re-enroll to remain eligible for any commission credits. Any commission credit that you earn does not expire.
    Commission credit eligibility, type, and amount is subject to change at any time, with or without prior notice. This includes, but is not limited to, changes required to comply with federal, state, or local laws and regulations. Any modifications to the service will apply to all enrollments and transactions that have not yet closed as of the effective date of the change. USAA Federal Savings Bank (USAA Bank) is not responsible for commission credit issuance.
    USAA Bank (Lender NMLS 401058) does not perform any activity that is or could be construed as unlicensed real estate activity, and USAA Bank is not licensed as a real estate broker. Employees of USAA Bank are not authorized to perform real estate activity.

  3. USAA Federal Savings Bank does not currently offer Conventional mortgage loans in the state of Hawaii.

  4. VA loans may include a funding fee, which may be financed up to the maximum allowed loan amount.

  5. USAA Federal Savings Bank does not offer a cash out refinance product in the state of Texas.

  6. Our prequalification is not a commitment to lend. Information used to issue the prequalification will require verification during the application process.

  7. HomeReady® is a registered trademark of Fannie Mae.

  8. In the last 10 years, USAA Federal Savings Bank has consistently originated in the top 14 lenders for total originated VA loans and VA loan volume. Source: Department of Veterans Affairs Lender Statistics(Opens new window).

Related footnotes:

  1. Tools and resources provided by USAA Federal Savings Bank should be considered general advice and for informational purposes only. All information is subject to change without notice and may not apply to all members. Products, services or features mentioned may not be offered by USAA Federal Savings Bank. The information contained is not intended to represent any endorsement, expressed or implied, by USAA Federal Savings Bank or any affiliates.

  2. Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change. To join USAA, separated military personnel must have received a discharge type of Honorable or General Under Honorable Conditions. Eligible family members may also join USAA.

  3. USAA Federal Savings Bank offers mortgage products to members where the property is located within the Continental United States, Alaska, Hawaii, and the District of Columbia. Excludes properties within U.S. Territories. In certain states, product restrictions may apply.

  4. A home loan refinance may be useful for many customers who want to lower their monthly debt payments. However, a refinance is secured by your home, has closing costs and may ultimately require paying more in interest over time.

  5. Members must meet all VA eligibility requirements when applying for a VA loan. Speak with a USAA Federal Savings Bank Loan Officer to review current VA eligibility requirements.

  6. The trademarks, logos and names of other companies, products and services are the property of their respective owners.

  7. Home loans subject to credit and property approval.

  8. "USAA Bank" means USAA Federal Savings Bank.

  9. Bank products offered by USAA Federal Savings Bank.

  10. USAA is an Equal Housing Lender

  11. USAA Federal Savings Bank NMLS 401058

6028864