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Home mortgages from a bank you trust

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Find the right loan for you.

Purchase a home

From conventional‍ ‍ to VA loans,‍ ‍ we have options.

Explore purchase loans, view home purchase loan options

Refinance a mortgage

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

Explore refinancing options, view loan refinance options

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.‍ ‍

Start a loan prequalification online

Not a member? Join USAA

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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

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.‍ ‍

Learn more about HomeReady loans

Why choose us

Top VA home loan lender‍ ‍

USAA Bank ranks as one of the top VA mortgage lenders.

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

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

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

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

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

  6. In 2025, USAA Federal Savings Bank originated the 12th highest total of VA home loans and in the top 13 lenders for the highest amount of VA loan volume among more than 1,000 lenders. Source: Department of Veterans Affairs Lender Statistics(Opens new window).

Related footnotes:

  1. 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.

  2. 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.

  3. 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.

  4. 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.

  5. Home loans subject to credit and property approval.

  6. "USAA Bank" means USAA Federal Savings Bank.

  7. Bank products offered by USAA Federal Savings Bank.

  8. USAA is an Equal Housing Lender

  9. USAA FSB NMLS 401058

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