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US Financial Mortgage

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US Financial Mortgage

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US Financial is a locally trusted mortgage broker in Reno NV, led by long time lender Mark Lamerdin.

Since 2001, Mark has helped Nevada buyers and homeowners secure the best possible rates on VA, FHA, Conventional, and Jumbo loans.

10/23/2026

Friday good news for anyone house hunting 🏡

Mortgage rates had their best week in about a month. Freddie Mac's weekly average for a 30-year fixed dipped to 7.32%, down from 7.40% last week, and the daily numbers fell to their lowest since late September (Mortgage News Daily). Rates can bounce around, especially with the Fed meeting next week, but it's a nice break.

Thinking about Carson City? It has its own loan limits, separate from Washoe and Douglas counties, and it's where US Financial restarted back in 2001. Our Carson City guide walks through the 2026 limits and what to watch for on older homes and flood zones: https://usfinancial.net/carson-city-nv-mortgage-broker.php

US Financial NMLS 372129 | Mark Lamerdin NMLS 308667 | NV MLD 171 | CA DFPI CFL License #195553 | Equal Housing Opportunity

Buying or refinancing in Carson City? Reno mortgage broker Mark Lamerdin compares conventional, FHA, VA, jumbo and refinance loans. (775) 829-7979.

10/22/2026

Thursday market check from the lake 🏔️

Bonds rallied this morning, pushing the 10-year Treasury to its lowest level in about a month. That's the number mortgage rates tend to follow, so it's a nice tailwind heading into next week's Fed meeting.

Up at Lake Tahoe and Truckee, things have calmed down too. The area is now a balanced market (Real Estate Tahoe), and more than a third of Truckee homes for sale have had a price cut (Altos Research). Less frenzy means more time to make a smart decision.

Thinking about Tahoe Donner, Northstar or a place near the lake? Our Truckee buying guide is a good place to start: https://www.usfinancial.net/truckee-home-buying-guide.php

US Financial NMLS 372129 | Mark Lamerdin NMLS 308667 | NV MLD 171 | CA DFPI CFL License #195553 | Equal Housing Opportunity

Buying in Truckee, CA? Tahoe Donner to Northstar, 2026 loan limits, second homes, snow load, wildfire and rental rules from a local mortgage broker.

10/21/2026

Midweek Reno market check 🏡

Rates dipped a little again this week, but here's the surprise: fewer people are applying for mortgages. Applications have dropped seven weeks in a row (MBA).

What does that mean around Reno? More sellers are adjusting. About half of single-family listings here have had a price cut (Altos Research), and homes are taking a bit longer to sell.

If you've been waiting for a calmer moment to shop, this could be it. Getting pre-approved first means you can negotiate with confidence. Questions? Call us at (775) 829-7979 or start here: https://www.usfinancial.net/get-pre-approved.php

US Financial NMLS 372129 | Mark Lamerdin NMLS 308667 | NV MLD 171 | CA DFPI CFL License #195553 | Equal Housing Opportunity

Local Reno mortgage broker. In business since 1999, in Reno since 2005. Start your pre-approval in about a minute.

10/20/2026

Quick Reno market update ☀️

Rates nudged up a little on Monday, but they're still close to their best levels in about a month. The Fed meets next week (Oct 27–28), and most of the market expects them to hold steady.

The real story here at home? Not many homes for sale. Washoe County had about 20% fewer active listings in September than a year ago, and only 2.5 months of supply (Sierra Nevada REALTORS). Good homes are going fast.

If you're hoping to buy this fall or winter, getting pre-approved now means you're ready when the right one pops up. Questions? Give us a call at (775) 829-7979 or start here: https://www.usfinancial.net/get-pre-approved.php 🏡

US Financial NMLS 372129 | Mark Lamerdin NMLS 308667 | NV MLD 171 | Equal Housing Opportunity

Local Reno mortgage broker for nearly 30 years. Start your pre-approval in about a minute.

10/19/2026

Buying a home in Reno in 2026? The new loan limits matter more than most buyers realize.

For 2026, the conforming loan limit in Washoe County is $832,750, and the FHA limit is $638,250. Those numbers decide whether you're looking at a conventional, FHA, or jumbo loan, and that can change your down payment, your rate options, and how you qualify. VA buyers with full entitlement have no county loan limit at all.

I've been helping Reno and Northern Nevada families with home loans for almost 30 years, and I wrote up a plain-English guide to what these limits mean for purchases and refinances:
https://www.usfinancial.net/mortgage-news/2026-reno-home-loan-limits-conventional-fha-va-jumbo.php

Have questions about which loan fits you? Call me at (775) 829-7979.

US Financial NMLS 372129 | Mark Lamerdin NMLS 308667 | NV MLD 171 | Equal Housing Opportunity

2026 Washoe County loan limits explained: conventional $832,750, FHA $638,250, how VA entitlement works, and when a Reno purchase becomes jumbo—from a local broker of almost 30 years.

10/09/2026

🏡 Friday Reno Mortgage Update — Some Good News Heading Into the Weekend!

After several challenging weeks for mortgage rates, we finally saw some welcome improvement Thursday!

The national 30-year fixed mortgage benchmark declined by approximately 0.09 percentage points.

That's encouraging, although the bond market remains volatile and another important inflation report is coming next week.

Thinking about looking at homes this weekend in Reno or Sparks?

Don't focus exclusively on the interest rate. There may be ways to improve your monthly payment through:

• Seller credits
• Temporary or permanent rate buydowns
• FHA vs. conventional financing
• VA loans for eligible veterans
• Different down-payment options

And if you were preapproved a few weeks ago, let's update your numbers before you write an offer.

See a home you like? Send me the listing and I'll run the payment scenarios for you!

Have a great weekend!

Mark Lamerdin
U.S. Financial LLC

Home of the Lowest Mortgage Rates in Reno, NV. Call us today to discuss your mortgage or home loan in Reno, NV

10/07/2026

🏡 RATES ARE UP — SO SHOULD YOU WAIT TO BUY?

Mortgage rates are under pressure again, with long-term Treasury yields reaching their highest levels in more than two decades.

It's understandable to look at today's rates and think, "I'll just wait until rates come down."

But there's another side to that decision.

If rates eventually fall, more buyers may jump back into the market — potentially increasing competition for homes. Instead of trying to predict the perfect interest rate, I like to look at the entire transaction:

✅ Purchase price
✅ Monthly payment
✅ Seller credits
✅ Rate-buydown options
✅ Loan program
✅ Your long-term plans

If the numbers make sense today, you can buy the home today. If rates improve down the road, refinancing may be an option.

I've been in the mortgage business for decades, and one thing hasn't changed: there's rarely a "perfect" market. There's simply a deal that either makes sense for you — or it doesn't.

Want me to run the numbers on a home you're considering?

Mark Lamerdin
US Financial LLC

Rates and terms are subject to change and borrower qualification.

Send a message to learn more

10/05/2026

🏡 Monday Reno Mortgage Update
Mortgage rates remain elevated after a pretty wild couple of weeks in the bond market.
There is a little good news today: Treasury yields and mortgage-backed securities are showing some stabilization, although we're definitely not out of the woods yet. Mortgage News Daily
If you're thinking about buying a home in Reno or Sparks, don't let today's headline mortgage rate be the end of the conversation.
There are several ways we can potentially improve the numbers:
• Seller credits
• Temporary or permanent rate buydowns
• FHA vs. conventional financing
• VA financing for eligible veterans
• Different down-payment and loan structures
Most importantly, if you were preapproved several weeks ago, let's update your payment and purchasing power before you write an offer.
See a home you like? Send me the listing and I'll run the numbers for you.
Mark Lamerdin | U.S. Financial LLC

Call now to connect with business.

10/02/2026

🏡 Friday Reno Mortgage Update — Heading Into the Weekend!

It's been quite a ride in the mortgage market lately!

Treasury yields have moved sharply higher, putting renewed pressure on mortgage rates.

If you're planning to look at homes in Reno or Sparks this weekend, here's one piece of advice:

Don't fall in love with a home based on a payment calculation from three weeks ago.

Let's update your numbers first.

And remember, the interest rate isn't the only tool we have. Seller credits, mortgage rate buydowns and choosing the right loan program can sometimes make a meaningful difference in affordability.

See a home you like this weekend?

Send me the listing and I'll run the numbers for you.

Have a great weekend!

Mark Lamerdin
U.S. Financial LLC

Home of the Lowest Mortgage Rates in Reno, NV. Call us today to discuss your mortgage or home loan in Reno, NV

Address

1325 Airmotive Way #175-D
Reno, NV
89502

Opening Hours

Monday	8am - 6pm
Tuesday	8am - 6pm
Wednesday	8am - 6pm
Thursday	8am - 6pm
Friday	8am - 6pm
Saturday	8am - 5pm

Telephone

+17758297979

Website

http://www.usfinancial.net/

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