We Don’t Just get your loan
Approved, We Get it Closed

Your renovation loan Specialist

TOLL FREE 24/7 1.888.838.9330

Tampa Bay Area: 813.789.9660


In today’s lending environment, American Mortgage will literally hold your
hand through the entire loan process and our performance is 2nd to none!

At American Mortgage, we offer more loan programs with better rates and less restrictions than most banks and credit unions. We are here to answer your calls and questions 24/7. We promise to transact a purchase or refinance in 30 days or less. We close loans other lenders can’t. We don’t just get your loan approved, we get it closed!


We Offer More Loan Programs with Fewer Restrictions!

We don’t just get your loan approved, we get it closed!

TOLL FREE 24/7 1.888.838.9330

Tampa Bay Area: 813.789.9660

Renovation Programs

Renovation loans, whether purchasing or refinancing, are a lenders best kept secret. We are renovation loan specialists and have been providing these loans to our customers for years! Please call us anytime with questions.


  • Cost effective way to renovate/improve your new or existing home.
  • Increases property value.
  • Close on your purchase in “as-is condition.” The repairs are done after closing.

FHA 203-K

The FHA 203K can be used for the purchase of your new home or refinance of your current home and allows the borrower to include the costs of repairs and upgrades to the home. Only 3.5% down payment is required and the loan amount limits very from county to county. Primary Residence Only.

The Streamline 203-K

The Streamline 203-K is designed specifically for homes that do not have structural or foundation problems and can be repaired, remodeled or updated for less than $35,000.

The Full 203-K

The Full 203-K is designed for homes that are in of need repairs in excess of $35,000. The Full 203-K is also used for properties requiring structural or foundation repairs, including room additions. Because of the scope of work, these types of renovations require expertise in construction, architecture, building codes and more. The project must be supervised by an FHA 203-K consultant who will work with you and your lender.

Fannie-Mae Home-style Renovation Loan

The Homestyle Renovation loan permits borrowers to include financing for home improvements in a purchase, or, a refinance transaction of an existing home (including a new pool). The Home-style can be used for a primary residence, 2nd home, and investment property. Loan amounts up to $417,000.

Home Purchase Programs

For your first home, new home or dream home, we will find the ideal loan program right for you. Let us make the home buying process a pleasurable experience. Please call us today to find out how.


Conventional Loans are a great option typically used when the purchase price exceeds the FHA loan limits and the buyer has accessibility to a larger down payment. Conventional Financing can be obtained with as little as 5% down. The major advantage with the conventional loans, if you are able to put a 20% down, eliminates monthly mortgage insurance (PMI). Note, buyers with 10% down may qualify for what we call an 80 /10 /10. This is a conventional 1st mortgage at 80% LTV (Loan to Value) of the purchase price, a 10% HELOC (Home Equity Line of Credit), and 10% down payment. This is a great option to eliminate PMI. Conventional financing requires minimum credit score of 620.

FHA 203-B

An FHA loan is a great option for buyers. This program requires a minimum down payment (3.5% of the purchase price, which can be a gift) and allows the seller to contribute up to 6% of the purchase price towards the buyer’s closing costs and prepaid items. This enables you, as a buyer, to allot monies for other needs such as moving expenses and home repairs. This program also has favorable rates with fewer restrictions. Worried about your credit ? Don’t worry any longer, we help with credit repair. The FHA loan program allows for scores under 600 with compensating factors!


A USDA loan is one of the most aggressive mortgage options available for rural and suburban homebuyers. This loan program requires no down payment, competitive rates, flexible credit guidelines and no maximum purchase price. USDA will consider credit scores below 600 with compensating factors.


The VA program is an excellent mortgage program for our veterans, service members, military and their families. These flexible government- backed loans come with significant benefits that open the doors of homeownership to veterans who might otherwise struggle to obtain financing. Benefits to VA loans are, no down payment required, no monthly PMI (private mortgage insurance) and very attractive rates.


Jumbo loans are home loans that exceed $453,100.00( conforming loan limit ). These loans are a great product when purchasing or refinancing homes of higher market value. We have many lenders providing very competitive rates for Jumbo loan market. Ask about our Jumbo Arm rates!

Refinance Programs

If you are considering refinancing please call us to discuss! There so many options available and everyone’s scenario is different. Let us find the right option for you, call us today.


A conventional loan allows for a rate and term refinance (meaning no cash out) up to 95% LTV (Loan to Value). Cash Out is also available up to 85% LTV. This loan program is also available for 2nd home and investment properties.


An FHA loan allows a rate and term refinance up to 97% LTV. It also allows a cash out option, up to 85% LTV. Used for home improvements, consolidating bills and educational purposes.

FHA Streamline

A FHA streamline allows you to do a rate and term refinance without an appraisal and income documentation.


A VA refinance is commonly known as an IRRRL (interest rate reduction loan). The loan requires no appraisal or credit underwriting. With most IRRRL’s, there are usually no direct cost to the borrower. This is a great product for our veterans to take advantage of in good market conditions by lowering their interest rate and reducing their monthly expenditure.

Home Affordable Refinance Program (HARP)

The HARP program is designed for home owners who currently have a mortgage that was sold to Fannie Mae or Freddie Mac on or before May 31st 2009 and are currently upside down and would like to take advantage of today’s current market rates. You must be current on your mortgage and can income qualify.

Specialty Programs

We offer specialty loan programs customized for your specific needs. Call us today and we will match you with the loan program that fits you.

Self Employed

If you are self-employed, you already know the benefits that come with making your own decisions. However, there are some disadvantages to generating your own income when it comes to applying for a home loan. Many self-employed individuals report expenses on their taxes in order to reduce their tax liability, but this can backfire when they apply for a mortgage. Contact us today to find out if you qualify for the 12 or 24 month bank statement programs, or the stated income verified asset program all with a 20%-30% down payment requirement.

Reverse Mortgage

If you are 62 years old or older you may qualify for a reverse mortgage. A reverse mortgage is a loan against your home that you do not have to pay back for as long as you live there. It can be paid in one lump sum, as a regular monthly advance, or at times and in amounts that you choose. The money borrowed, plus interest, is paid back when the homeowner dies, sells their home, or permanently move out of their home. These loans are a great way to supplement a retirement income. Can be used for purchase or refinance.

Private Money

Private Money loans are designed for those in need of a mortgage but may not have the credit to obtain traditional financing. Borrowers must income qualify and the program requires a larger down payment.

Your Renovation Loan Specialist

TOLL FREE 24/7 1.888.838.9330

Tampa Bay Area: 813.789.9660

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