USAA Federal Savings Bank · Bank
USAA Federal Savings Bank
Review published mortgage options and requirements, then request a personalized quote from the lender.
Key borrower, credit, property-use and reserve requirements have not been verified for this selection.
Availability: 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. USAA Federal Savings Bank does not currently offer Conventional mortgage loans in the state of Hawaii.
Our take: Pros & Cons
What we like
- Conventional mortgage financing is listed by the provider.
- A mortgage professional can review available terms and required documents.
What to consider
- Confirm USAA membership and military or family eligibility requirements with USAA before applying.
- Visa, ITIN, SSN, foreign-credit and foreign-income acceptance need lender confirmation.
- Income, assets, credit, down payment, occupancy, property and geographic requirements depend on the specific program and full underwriting.
AI-generated lender-level assessment based on published information. Not a verified assessment of Home mortgages from a bank you trust; confirm program-specific conditions below.
Additional lender considerations
- Request current rates, APR, fees, mortgage insurance and a Loan Estimate. Approval is not guaranteed.
Newcomer requirements
Home mortgages from a bank you trust
Fit not assessed · Check fit
Verified published requirements for this program. Rate-example assumptions are separate and do not establish eligibility or approval.
- Property restrictions
- Excludes properties within U.S. Territories. In certain states, product restrictions may apply. USAA Federal Savings Bank does not currently offer Conventional mortgage loans in the state of Hawaii.
View full lender requirements
- Property restrictions
- Excludes properties within U.S. Territories. In certain states, product restrictions may apply. USAA Federal Savings Bank does not currently offer Conventional mortgage loans in the state of Hawaii.
Questions to confirm with the lender (16)
These requirements have not been verified for this program:
- SSN
- ITIN
- U.S. credit history
- Foreign credit history
- No credit history
- Residency / visa
- Minimum credit score
- Minimum down payment
- Income documentation
- Employment documentation
- Foreign income
- Foreign assets
- Reserves
- State restrictions
- Occupancy
- Other conditions
Requirements last reviewed: Oct 27, 2026 · Official requirements source
Rates and costs
Home mortgages from a bank you trust
Rates are available on request
No reviewed advertised rate example is linked to this program.
How to apply
Home mortgages from a bank you trust
Document requirements are not confirmed. Ask the lender for its program-specific checklist.
- Confirm the program's identity, residency, credit and property requirements with the lender.
- Use the official application channel to request pricing for your actual scenario.
- Review the lender's written Loan Estimate, including costs and cash to close.
Published eligibility and availability do not guarantee approval. Confirm membership, relationship, property and occupancy conditions with the lender.
Sources and methodology
About this lender
Conventional home financing from USAA Federal Savings Bank. Newcomers should confirm residency documents, identification, income, credit history and property requirements with a mortgage professional.
Legal lender: USAA Federal Savings Bank
Lending channel: Direct lending
Provider type: Bank
Lending channels: Direct lending. Origination status: Active.
NMLS identifier: 401058
More lender directory information
Direct application information ↗
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. USAA Federal Savings Bank does not currently offer Conventional mortgage loans in the state of Hawaii.
Directory verified: 2026-10-27 UTC · Official directory source ↗
Official mortgage terms · Profile reviewed: Oct 21, 2026
- Official lender source · Last checked Not confirmed
What do APR, points, LTV and reserves mean?
- APR
- An annualized borrowing-cost measure that includes interest and certain loan charges. Read it alongside the interest rate and fees.
- Discount points
- An upfront charge expressed as a percentage of the loan amount. Compare the quoted interest rate and the points together.
- LTV
- Loan-to-value: the loan amount relative to the property's value.
- Reserves
- Assets the lender may require you to retain after closing. Requirements differ by program.