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We are here to guide you every step of the way


Whether this is your first time buying a home, or you are looking to refinance at a great rate, we are here to guide you every step of the way. We offer a wide range of mortgage products and our friendly mortgage consultants will help you secure the perfect loan. We were named Costco Top Service provider for 2012 for our exceptional dedication to service.

Here is what sets Bank of Internet USA apart from the rest:

Our Products Include: Purchase Loans, Refinance Loans, Conventional Loans, FHA Loans, VA Loans, Jumbo LoansReverse Mortgages, Home Equity Loans, and Portfolio Loans

Industry Leading RatesOur unique branchless structure allows us to pass the savings on to our customers with exceptional rates

Quick CloseOur simple, streamlined process allows us to close your loan fast without the headaches of a drawn out process

Courteous Expert Mortgage ConsultantsOur skilled team offers world class customer service to guide you every step of the way

Exclusive Savings for Costco membersFind out how you can save even more on lender fees just for being a Costco member

Wide range of mortgage productsNo matter what your needs are, we probably have a loan for you

State of The Art TechnologyOur paperless and secure loan application and processing software ensures a convenient and efficient process


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Learning Center

Buying a Home

Buying a Home

Home buying isn't as hard as it may seem. We will walk you through the process every step of the way. Learn about the prequalification process, our close of escrow guarantee, and how to calculate your monthly payment.

Buying a Home


There are a variety of reasons you may want to refinance your home.  From paying off your mortgage faster to consolidating debt we have solutions for all of your needs.

Buying a Home

Home Equity

A Home Equity Loan allows you to tap into the value of your home.  The loan is secured by a subordinate mortgage on your principal residence. You will receive the loan amount in a lump sum payment at the time the loan closes.

Mortgage Calculators

Mortgage Calculators

These calculators can help you make important decisions regarding your new home purchase, refinance, or home equity loan. Answer common questions like "How much would my monthly payment be?" and "Can I save money by refinancing now?"

Conventional Loans

A Conventional (or conforming) mortgage loan is a mortgage that is not insured or guaranteed by a government agency and the underwriting criteria meets the terms and conditions of Fannie Mae...
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FHA Loans

An FHA loan is a mortgage insured by the Federal Housing Administration (FHA). FHA loans are also known as government mortgages since they are insured by the federal government. FHA loans are a popular option for first time home buyers...
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VA Loans

VA home loans are a great mortgage option for eligible service members. The loan is guaranteed by the Department of Veterans Affairs (VA) which allows lenders to provide favorable terms on these loans including:...
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Jumbo Loans

A Jumbo Loan, also known as a non-conforming loan, is a loan amount is outside of the conventional/conforming loan guidelines (loan amounts over $417,000 depending on your county). We offer fixed and adjustable rate options...
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Fixed Rate

In a fixed rate mortgage, your interest rate stays the same throughout the term of the mortgage. There are many factors to consider when deciding between a Fixed and Adjustable Rate Mortgage.
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Adjustable Rate

In an Adjustable-Rate Mortgage (ARM), the initial interest rate is lowered and fixed for a period, normally between one and five years. After that, the rate and payments adjust periodically based on an economic index.
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Bank products and services are offered by BofI Federal Bank. All deposit accounts through BofI Federal Bank brands are FDIC insured through BofI Federal Bank. All deposit accounts of the same ownership and / or vesting held at BofI Federal Bank are combined and insured under the same FDIC Certificate 35546. All deposit accounts through BofI Federal Bank brands are not separately insured by the FDIC from other deposit accounts held with the same ownership and / or vesting at BofI Federal Bank. For more information click here.