Our journey began in 2005, when our founder started working with Real Estate Investors across the U.S. -from the coasts of California to the neighborhoods of New York, now serving in 48 states across the U.S. 

After seeing the limitations of conventional lending, we knew the industry needed something better. USA United Home Loans was built with a single mission: to provide Real Estate Investors with Smarter, Faster, and more Flexible Financing Solutions.

Traditional Loans are not for all Investors.

Many real estate investors face the same challenge: low taxable income. It’s great for tax benefits, but not when it comes to getting approved for a conventional mortgage. Banks don’t see the full picture -they just see the tax returns. Our DSCR and Fix-n-Flip Bridge loans do NOT require tax returns and weigh more heavily on the income & ARV of the property.

What Makes Us Different

We’re not your typical lender — we’re Investor-Focused and Deal-Driven.

 Here’s what sets us apart:

• No Tax Returns Required
  We approve based on your project, not your paperwork.
  
  
• DSCR-Based Rental Loans
  Use your rental income to qualify, not your W-2.
  
  
• ARV-Based Fix & Flip Loans
  We fund based on a property’s After Repair Value, giving you room to scale.
  
  
• Fast Closings (as fast as 7 days)
  We know timing is everything — we move with speed and intention.
  
  
• Nationwide Lending in 45 States
  Wherever your next deal is, we’ve likely got you covered.
  
  
• Real People, Real Support
  Our team knows investing and speaks your language.