US Lending is a mortgage lending company in Redding, CA that serves all of Northern California. We passionately support people in our region to achieve their home-ownership goals by creating pathways to success, and a plan for each person to reach their goals. Our team ensures that you receive more than a loan - we lend the confidence you need to get the most out of your home buying experience.
Family is deeply woven into our culture. We care deeply about people and always have your best interest in mind. At US Lending, you become family and instantly have a team of people to help you achieve your home ownership goals.
Having confidence in your lending company gives you the assurance you need throughout the entire home buying process. We pride ourselves in our knowledge of the industry and staying ahead of the curve.
Having your loan prepared locally and in person will give you the peace mind that somebody is there to support you. We live and work in Redding and are always available for a conversation to help you get on the path to the right loan.
The interest rate you’ll pay for the money you borrow will be determined, in large part, by this three-digit credit score that’s generated from the information in your credit report. Most mortgage lenders have corporate overlays that define which borrower obtain the best credit available, and those rules almost always place a major emphasis on the credit score.
It is important to work out the details of your home loan with your Loan Officer, who can review your situation and tailor a loan program and maximum purchase price at which you, the borrower are comfortable, and which the Loan Officer can obtain approval for on your behalf.
Which is the better mortgage option for you: fixed or adjustable? The low initial cost of adjustable-rate mortgages (ARMs) can be very tempting to home buyers, yet they carry a great deal of uncertainty. Fixed-rate mortgages offer rate and payment security, but they can be more expensive.