Financing Homes, Building Futures
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U.S. Mortgage Lending
NMLS #2364608
Whether you are a seasoned real estate investor or a first-time homebuyer, we know what it is like to apply for a mortgage and we strive hard never to forget that feeling. We’re excited for the opportunity to earn your trust by offering the right mortgage for your unique financial scenario, providing competitive & fair pricing, and by making sure you are properly communicated to so you have the information you need to know.
Why work with us?
At U.S. Mortgage Lending, we understand that choosing the right mortgage partner is one of the most important financial decisions you’ll ever make. With over 40 years of combined experience, our leadership team brings a proven track record of success and the expertise to guide you every step of the way. We provide unmatched value through sharp pricing, low fees, and a wide variety of loan programs tailored to meet your unique needs.
By leveraging cutting-edge technology, we make the mortgage process faster, easier, and more transparent. Most importantly, we operate with integrity, honesty, and a client-first approach—ensuring that your best interests are always our top priority. Whether you’re a first-time homebuyer or a seasoned investor, our mission is to exceed your expectations and build a lasting relationship you can count on.
Does renting or buying a home make more sense? Check out what is best for you by using our Rent vs Buy Calculator...
Our mortgage calculators are for demonstration purposes only and may not reflect actual numbers for your specific mortgage. Contact us and we will walk you through the best possible mortgage scenario for your specific needs!
Buying is cheaper than renting after
If you buy a house, after 3 years it will cost you $58 more per month and $5000 more in total than if you had rented.
But you will own in equity of your home with an appreciated value of .
If you buy a house, after 3 years you will have saved $58 per month and $5000 in total than if you had rented.
You will also own in equity of your home with an appreciated value of .
Buying will never be cheaper than renting
Home equity after
1 year
years
TOTAL COST
YEARS
Costs over
Monthly Cost (after )
Yearly Cost (after )
Total Cost (after )
Rent
Buy
Difference
$0
$0
$0
Rent
Buy
Difference
$3,019
$92,453
$89,434
Rent
Buy
Difference
$3,019
$92,453
$89,434
Estimated Costs
These costs are estimated based on the information under the advanced section. You may adjust these values to suit your particular situation in order to get a more accurate estimate.
Monthly mortgage payments
$
Homeowner's insurance
$
Private Mortgage Insurance
$
HOA dues
$
Property tax
$
Home repairs
$
Renovations
$
Closing costs
$
Yearly rent increase
%
Rental insurance
$
How We Calculate the Costs
Calculating the Cost of Renting
The cost of renting is relatively straightforward to calculate. It primarily includes your monthly rent payments and a few additional expenses:
- Monthly rent payments
- Security deposit (typically equal to one month's rent)
- Renters insurance (annual premium)
- Down payment
- Closing costs (typically 2-5% of the home's value)
- Monthly mortgage payments (principal and interest)
- Property taxes
- Homeowners insurance
- Private Mortgage Insurance (PMI) if applicable
- HOA fees (if applicable)
- Maintenance and repairs
- Home improvements and renovations
- Annual home appreciation rate: %
- Annual rent increase: %
- Renters insurance: $ per year
- Home maintenance and repairs: % of home value per year
- Home improvements and renovations: % of home value per year
- Selling costs when you sell the home: % of home value
Check out our other mortgage calculators
Access our top-rated mortgage calculators to expertly assess your financing options, compare various loan types, and make informed decisions for your home buying journey.
