Welcome to Legacy Lending by USA Mortgage, where your homeownership dreams become a reality. As a completely employee-owned company, we are passionate about simplifying the mortgage process and finding the right loan options with rates that work for you. Our commitment ensures that you receive the best loan experience possible, with a team that enjoys what they do and is dedicated to making your journey enjoyable as well. We're here for you 24/7 and guarantee to close your loan on time.
DISCOVER
At Legacy Lending, we offer a variety of loan programs tailored to meet your unique needs:
Ideal for borrowers with good credit seeking competitive rates.
Designed for rural property buyers who meet specific income requirements.
Perfect for first-time homebuyers or those with less-than-perfect credit.
Exclusive to veterans, active-duty service members, and eligible spouses, offering favorable terms.
Allows homeowners aged 62 or older to convert home equity into cash.
For properties exceeding conforming loan limits.
Finance both the purchase and renovation of a property.
Ideal for self-employed borrowers using bank statements to verify income.
For those looking to build their dream home.
Tailored for real estate investors aiming to generate income.
We believe in keeping things simple and transparent. Here's how our process works:
Begin by completing an application online or with the assistance of a loan officer. We'll help you determine the best program and guide you on the necessary documentation.
With pre-qualification in hand, you can confidently search for your perfect home, with the assistance of a real estate agent to secure the best terms and price.
Once you’re ready to move forward, we’ll send over our management agreement and provide a clear onboarding timeline, so you know exactly what to expect.
A thorough home inspection and appraisal ensure the property's value and condition meet necessary standards.
An underwriter reviews all documentation. If it meets the requirements, a "conditional approval" is issued.
After final sign-off, you're clear to close. We'll prepare the necessary paperwork, and funds will be transferred to the title company to complete your home purchase.
In just a few clicks, a new home or mortgage savings could be yours. Whether you're looking for a rate that works for you or searching for your local branch, there's no commitment. Get started today!
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