# American Mortgage Services – WeGetItClosed.com

> American Mortgage Services is a Tampa‑based independent mortgage broker offering customized home loan programs—including FHA, VA, USDA, Conventional, Jumbo, and renovation loans—with low fees and fast closings. We serve homebuyers across Florida with over 40 years of combined experience, competitive rates, and a commitment to closing your loan rather than just getting you approved.

> [site]
domain: wegetitclosed.com
company_name: American Mortgage Services
headquarters: Tampa, Florida, USA
service_area: Entire state of Florida
license_number: NMLS #296169
established: 2006
business_type: Independent Mortgage Broker
contact_page: https://wegetitclosed.com/contact/
phone_number: (813) 961-3900
email: info@wegetitclosed.com

[seo]
brand_keywords: American Mortgage Services, We Get It Closed, Florida mortgage broker, Tampa home loans
loan_keywords: FHA Loans Florida, VA Home Loans Tampa, USDA Loans FL, Conventional mortgage broker, Jumbo Loans Florida, Renovation Loans Tampa
local_keywords: Tampa mortgage lender, Florida home financing, Mortgage broker near me
meta_description: American Mortgage Services is a Florida-based mortgage broker helping homebuyers get FHA, VA, USDA, and Conventional loans closed quickly with low fees.
meta_keywords: mortgage broker Florida, Tampa home loans, low closing cost lender, get it closed fast

[ai_content_guidelines]
writing_style: Friendly, professional, easy to understand
tone: Supportive, expert, approachable
target_audience: First-time homebuyers, military families, rural homebuyers, refinancing homeowners
content_goals: 
  - Simplify complex mortgage topics
  - Generate trust and authority
  - Increase inquiries and pre-qualification form submissions
  - Support local SEO efforts across Florida
preferred_content_length: 600–1000 words (blog), 150–300 words (loan pages)
call_to_actions: 
  - 

---


## Pages

- [AMS Home](https://wegetitclosed.com/): American Mortgage Services We don’t just get you pre-approved, WE GET IT CLOSED. http://wegetitclosed. com/wp-content/uploads/Why-Choosee-Us. jpg Why Choose Us? At...
- [Programs](https://wegetitclosed.com/programs/): Loan ProgramsOffering Many Options to Suit Your Needs American Mortgage is Here to Help Finding the right type of loan...
- [About Us](https://wegetitclosed.com/about-us-2/): American Mortgage Services Let Us Help You Find Your Dream Home Who we are American Mortgage Services is an independent...
- [DSCR Loans](https://wegetitclosed.com/dscr-loans/): DSCR Loan Program Debt Service Coverage RatioWhat is a DSCR Loan? At American Mortgage we offer DSCR's. Understanding how Florida...
- [FHA](https://wegetitclosed.com/programs/fha/): (FHA) Federal Housing Administration Loans Optimal Choice for First Time Buyers. Federal Housing Administration http://wegetitclosed. com/wp-content/uploads/First-Time-Buyers-FHA. jpg American Mortgage Services...
- [Loan Officers](https://wegetitclosed.com/loan-officers/): How Can We Help? Please Choose A Loan Officer Below Our Loan Officers Are Ready To Help Clayton Heitler is...
- [Hometown Heroes](https://wegetitclosed.com/hometown-heroes/): Florida Hometown Heroes Home Loan ProgramImportant 2025 Update: New Requirements for Florida’s Hometown Heroes Program The Florida Hometown Heroes Loan...
- [DSCR](https://wegetitclosed.com/lp/dscr/): http://wegetitclosed. com/wp-content/uploads/AMS-Logo-White. png Contact American Mortgage Services For your DSCR Loans today! (888) 838-9330http://wegetitclosed. com/wp-content/uploads/AMS-Logo-White. pngCall Now 813-789-9660 Contact American...
- [Thank You DCSR Loans](https://wegetitclosed.com/lp/thank-you-dcsr-loans/): http://wegetitclosed. com/wp-content/uploads/AMS-Logo-White. pngCall Now 813-789-9660http://wegetitclosed. com/wp-content/uploads/AMS-Logo-White. pngContact American Mortgage Services For your DSCR today! (888) 838-9330 Thank you! Thank You!...
- [VA Calculator](https://wegetitclosed.com/mortgage-calculators/va-calculator/): VA Calculator American Mortgage wants everyone to be able to see how affordable a mortgage can be compared to renting....
- [Mortgage Calculators](https://wegetitclosed.com/mortgage-calculators/): Mortgage Calculators Refinance your home loan with American Mortgage Services and see how you can reduce your monthly expenses and...
- [Jumbo Loans Thank You](https://wegetitclosed.com/programs/jumbo-loans/jumbo-loans-thank-you/): Jumbo Loans Finding Your Dream Home Jumbo Home Loan Submission {Name (First):1. 3}, Thank you for submitting your information for...
- [Refinance](https://wegetitclosed.com/refinance/): Refinancing Done with Ease https://wegetitclosed. com/wp-content/uploads/Refinance-2. jpgRefinanceAt American Mortgage, we’re here to make the home refinance process easier, with tools...
- [Purchase Programs](https://wegetitclosed.com/purchase-programs/): Purchase Programs Find the right program for you Purchase Programs Finding the right type of program that meets your needs...
- [Renovation Programs](https://wegetitclosed.com/renovation-programs/): Renovation Programs Find the right program for you Renovation Programs Finding the right type of program that meets your needs...
- [ARM](https://wegetitclosed.com/programs/arm/): Adjustable Rate Mortgage (ARM) Ideal For Higher Value Homes What Is An Adjustable Rate Mortgage ARM loans typically feature lower...
- [USDA](https://wegetitclosed.com/programs/usda/): USDA Home Loans Live the country life with NO low-down-payment. What Is USDA Loan? http://wegetitclosed. com/wp-content/uploads/USDA. jpgAt American Mortgage Services,...
- [Contact Us](https://wegetitclosed.com/contact-us/): Contact Us American Mortgage Services We Get It Closed. contactus@amstampa. com 24/7: (888) 838-9330 1000 N Ashley Dr. #1020 Tampa,...
- [VA](https://wegetitclosed.com/programs/va/): (VA) Veterans Affairs Home Loans Optimal Choice for Active Duty or Veterans (VA) Veterans Affairs Loans VA home loans have...
- [Purchase](https://wegetitclosed.com/purchase/): Purchasing a Home http://wegetitclosed. com/wp-content/uploads/Refinance. jpgPurchase Loan Need financing options on a home, or other real estate? We're here to...
- [USDA Thank You](https://wegetitclosed.com/programs/usda/usda-thank-you/): USDA Home Loans Live the country life with a low-down-payment. USDA Home Loan Submission {Name (First):1. 3}, Thank you for...
- [Purchase Calculator](https://wegetitclosed.com/mortgage-calculators/purchase-calculator/): Purchase Calculator American Mortgage wants everyone to be able to see how affordable a mortgage can be compared to renting....
- [Conventional Loans](https://wegetitclosed.com/programs/conventional-loans/): Conventional Loans Loans To Fit Your Needs Interested In A Conventional Loan? What Are Conventional Loans? Conventional mortgages can be...
- [Jumbo Loans](https://wegetitclosed.com/programs/jumbo-loans/): Jumbo Loans Finding Your Dream Home What is a Jumbo Loan? http://wegetitclosed. com/wp-content/uploads/Jumbo-Loan. jpgConforming loans are mortgages with terms and...
- [VA Loans](https://wegetitclosed.com/lp/va-loans/): http://wegetitclosed. com/wp-content/uploads/AMS-Logo-White. png Contact American Mortgage Services For your VA Home Loans today! (888) 838-9330http://wegetitclosed. com/wp-content/uploads/AMS-Logo-White. pngCall Now 813-789-9660 Contact...
- [Important Disclosures](https://wegetitclosed.com/important-disclosures/): Important Disclosures AMERICAN MORTGAGE SERVICE, INC. CUSTOMER COMPLAINT POLICY It is the policy of our company to respond to customer...
- [Purchase](https://wegetitclosed.com/lp/purchase/): http://wegetitclosed. com/wp-content/uploads/AMS-Logo-White. png Contact American Mortgage Services For Your Home Purchase Loan Today! (888) 838-9330http://wegetitclosed. com/wp-content/uploads/AMS-Logo-White. pngCall Us! 813-578-4897 Contact...
- [Thank You VA Loans](https://wegetitclosed.com/lp/thank-you-va-loans/): http://wegetitclosed. com/wp-content/uploads/AMS-Logo-White. pngCall Now 813-789-9660http://wegetitclosed. com/wp-content/uploads/AMS-Logo-White. pngContact American Mortgage Services For your VA Home Loans today! (888) 838-9330 Thank you!...
- [Important Disclaimers](https://wegetitclosed.com/important-disclaimers/): Important Disclaimers • Not all borrowers will meet the requirements necessary to qualify. • As a result of refinancing, your...
- [Thank You Purchase](https://wegetitclosed.com/lp/thank-you-purchase/): http://wegetitclosed. com/wp-content/uploads/AMS-Logo-White. pngCall Us! 813-789-9660http://wegetitclosed. com/wp-content/uploads/AMS-Logo-White. pngContact American Mortgage Services For your Home Purchase Loan today! (888) 838-9330 Thank you!...
- [VA Refinance](https://wegetitclosed.com/lp/va-refinance/): http://wegetitclosed. com/wp-content/uploads/AMS-Logo-White. png Contact American Mortgage Services For your VA Home Refinance today! (888) 838-9330http://wegetitclosed. com/wp-content/uploads/AMS-Logo-White. pngCall Now 813-789-9660Contact American...
- [Thank You Refinance](https://wegetitclosed.com/lp/thank-you-refinance/): http://wegetitclosed. com/wp-content/uploads/AMS-Logo-White. pngCall Now 813-789-9660http://wegetitclosed. com/wp-content/uploads/AMS-Logo-White. pngContact American Mortgage Services For your Home Refinance today! (888) 838-9330 Thank you! Your...
- [Refinance](https://wegetitclosed.com/lp/refinance/): http://wegetitclosed. com/wp-content/uploads/AMS-Logo-White. pngContact American Mortgage Services For your Home Refinance today! (888) 838-9330http://wegetitclosed. com/wp-content/uploads/AMS-Logo-White. pngCall Us! 813-756-8845Contact American Mortgage Services...
- [Privacy Policy](https://wegetitclosed.com/privacy-policy/): Privacy Policy Financial Services Modernization Act of 1999 Updated May 15th, 2025 This privacy policy has been compiled to better...
- [FAQs](https://wegetitclosed.com/faqs/): Frequently Asked Questions (FAQ's) What is a mortgage? A mortgage is a type of loan used to finance the purchase...
- [Community Advantage](https://wegetitclosed.com/community-advantage/): Community Advantage Census Tract Specialty Loan Program Amazing Rates For Qualified Properties American Mortgage Services is proud to offer our...
- [FHA Calculator](https://wegetitclosed.com/mortgage-calculators/fha-calculator/): FHA Calculator American Mortgage wants everyone to be able to see how affordable a mortgage can be compared to renting....
- [FHA Thank You](https://wegetitclosed.com/programs/fha/fha-thank-you/): FHA LoansOptimal Choice for First Time Buyers. FHA Home Loan Submission {Name (First):1. 3}, Thank you for submitting your information...
- [The Team](https://wegetitclosed.com/the-team/): Meet The Team American Mortgage is Here to Helphttp://wegetitclosed. com/wp-content/uploads/About-American-Mortgage. jpghttp://wegetitclosed. com/wp-content/uploads/team-page-photo. jpg A Few Words About The Company American...
- [Conventional Loans Thank You](https://wegetitclosed.com/programs/conventional-loans/conventional-loans-thank-you/): Conventional Loans Flexible Loans To Fit Your Needs Conventional Loan Submission {Name (First):1. 3}, Thank you for submitting your information...
- [Refinance Calculator](https://wegetitclosed.com/mortgage-calculators/refinance-calculator/): Refinance Calculator Refinance your home loan with American Mortgage Services and see how you can reduce your monthly expenses and...
- [Affordability Calculator](https://wegetitclosed.com/mortgage-calculators/affordability-calculator/): Affordability Calculator Trying to see how much you can afford for your home? American Mortgage Services is here to help...
- [Thank You VA Refinance](https://wegetitclosed.com/lp/thank-you-va-refinance/): http://wegetitclosed. com/wp-content/uploads/AMS-Logo-White. pngCall Us! 813-696-6637http://wegetitclosed. com/wp-content/uploads/AMS-Logo-White. png Contact American Mortgage Services For your VA Home Refinance today! (888) 838-9330 Thank...
- [Self Employed Programs](https://wegetitclosed.com/self-employed-programs/): Self Employed Programs Find the right program for you Purchase Programs Finding the right type of program that meets your...
- [Specialty Programs](https://wegetitclosed.com/specialty-programs/): Specialty Programs Find the right program for you Specialty Programs Finding the right type of program that meets your needs...
- [Reverse Mortgages](https://wegetitclosed.com/reverse-mortgages/): Reverse Mortgages Here To Support Your Needs How a Reverse Mortgage Can Help You If you’re 62 or older, you...
- [Refinance Programs](https://wegetitclosed.com/refinance-programs/): Refinance Programs Find the right program for you Refinance ProgramsFinding the right type of program that meets your needs can...

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## Posts

- [How to Use DSCR Loans to Grow Your Rental Portfolio in Florida](https://wegetitclosed.com/how-to-use-dscr-loans-to-grow-your-rental-portfolio-in-florida/): How to Use DSCR Loans to Grow Your Rental Portfolio in Florida Expanding your rental portfolio requires strategy, smart financing,...
- [DSCR Loans vs Conventional Mortgages: Which One Fits Your](https://wegetitclosed.com/dscr-loans-vs-conventional-mortgages-which-one-fits-your/): DSCR Loans vs Conventional Mortgages: Which One Fits Your Investment Strategy? Choosing the right type of financing is one of...
- [How to Qualify for a DSCR Loan: Tips for Real Estate Investors](https://wegetitclosed.com/how-to-qualify-for-a-dscr-loan-tips-for-real-estate-investors/): How to Qualify for a DSCR Loan: Tips for Real Estate Investors When you are ready to grow your real...
- [What is a DSCR loan?](https://wegetitclosed.com/what-is-a-dscr-loan-2/): A Smarter Way to Finance Your Florida Investment Property When it comes to real estate investing, finding the right financing...

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# Detailed Content


## Pages

- Published: 2025-10-21
- Modified: 2025-10-30
- URL: https://wegetitclosed.com/

Loading... We Are Here To Help At American Mortgage At American Mortgage We Get It Closed. Let Us Help Your Dream Home Come True American Mortgage ServicesWe don’t just get you pre-approved, WE GET IT CLOSED. Why Choose Us? At American Mortgage Services Inc, we offer more loan programs with fewer restrictions than banks and credit unions. As a Wholesale Loan Origination Business (Mortgage Broker) we are able to secure lower interest rates and frequently at lower costs and lower fees for our clients. This is simply due to the fact that we have more options to select from. With a large book of lenders for us to choose from, we at American Mortgage Services, shop to find the loan that is right for your personal and often unique scenario to get the loan that is best suited to meet the needs of you and your family. Also, as a wholesale mortgage company we rarely charge origination, processing or other unnecessary fees that the most other companies charge on conventional and government loan programs. This means less cash to the closing table for our clients! American Mortgage Services has over 40 years of combined experience in the Wholesale lending industry and understand what is needed and expected to earn your business and continued loyalty for future business. So, whether you are a first-time buyer, buying a new residence (primary, 2nd home or investment) or a seasoned real estate professional, our experienced loan officers will provide quality and friendly service coupled with timely closings to make your experience with American Mortgage Services one that will make you a customer for life! ! Another advantage that we have as a Wholesale Mortgage company is that we have many programs that your typical lenders do not offer including renovation loans, specialty programs for self-employed borrowers (who do not qualify for standard Conventional and Government loans), low credit score borrowers and investors. Speak to one of our experienced Mortgage Loan Originators TODAY to find out which program or lender will best suit your personal needs! Contact A Loan Officer TodayView some of our loan programs:FHA LoansMortgage loans that are easier to qualify Click Here To See More VA LoansHome loans for active duty or veterans Click Here To See More Conventional Most Popular Home Loan 3% down minimum Click Here To See More USDA LoansTypically for buyers in rural areas Click Here To See...

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- Published: 2025-10-20
- Modified: 2025-10-30
- URL: https://wegetitclosed.com/programs/

Loan ProgramsOffering Many Options to Suit Your NeedsAmerican Mortgage is Here to HelpFinding the right type of loan that meets your needs can be overwhelming. There are different loan products, rates, down-payment requirements, and eligibility requirements to compare, so you can make an informed decision about a major purchase and in some cases, the biggest purchase of your life. American Mortgage Services makes things easier by providing key information on a variety of loan products you need up front. Whether you’re a first time homebuyer, real estate investor, or looking to buy a second home, choose from a variety of home loan products designed for your particular situation. At American Mortgage Services, we pride ourselves in closing loans on time and keeping our Realtors and buyers updated and well-informed throughout the closing process. We do not operate by banker's hours; we are here to answer our clients calls and questions 24/7. We don’t just get your loan approved, we get it closed! View Our Mortgage Calculators HereFHAVAReverseConventionalJumboUSDAOur Programs:Refinance Programs We also offer Streamline refi’s (FHA, VA, USDA) Rate / Term or Cash Out IRRRL’s (VA) for rate/ term We offer refinances for all the programs listed. Specialty Programs Reverse Mortgages Jumbo DSCR (Debt Service Credit Ratio)1099 Only Program Foreign Nationals Written Verification of Employment Only Program1 Year Tax Return Program Short term investment 84 Month Asset DepletionPurchase Programs Conventional, DSCR, FHA (203B), VA, USDA, Jumbo Freddie Mac Home Possible & HomeReady Self Employed ProgramsBank Statement (12 or 24 months) 1 Year Tax Return Program P&L Only ProgramRenovation Programs Fannie Mae Homestyle (all property types) VA Rehab (up to 35K of home improvements) USDA Renovation Loan FHA 203K Full (Primary Residence only, up to FHA Loan limits) FHA 203K Streamline (Primary Residence only, up to 35K ) Refinance Programs Click Here To See More Specialty Programs Click Here To View More Purchase Programs Click Here To See More Self Employed Programs Click Here To See More Renovation Programs Click Here To See More DSCR Click Here To See More Why Choose Us? Experience – We put our 40+ years of combined experience in the Mortgage industry to work for YOU! Loan Programs – We have more loan options available than banks, credit unions and most direct lenders. Low Rates – We shop our expansive book of lenders to find the best rate for your unique needs! Fees – As a wholesale...

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- Published: 2025-10-13
- Modified: 2025-10-30
- URL: https://wegetitclosed.com/about-us-2/

American Mortgage ServicesLet Us Help You Find Your Dream HomeWho we areAmerican Mortgage Services is an independent mortgage broker, offering more loan programs with fewer restrictions than banks and credit unions. We rarely charge lender fees on FHA, DSCR, VA, USDA, and Conventional loans. We specialize in renovation loans such as the FHA 203K and the Fannie Mae Homestyle. We close the loans that other lenders cannot, and we close the majority of our loans in less than 30 days. We pride ourselves in closing loans on time and keeping our realtors and buyers updated and well-informed throughout the closing process. We do not operate by banker's hours; we are here to answer our clients' calls and questions 24/7. We don’t just get your loan approved, We Get It Closed! What We Have To Offer Reverse mortgages First-time homebuyer programs Low down payment loans Loans for the self-employed Loans for buyers with damaged credit scores Rapid rescores to help buyers improve their credit Wholesale rates Questions? Contact Us! var gform;gform||(document. addEventListener("gform_main_scripts_loaded",function{gform. scriptsLoaded=! 0}),document. addEventListener("gform/theme/scripts_loaded",function{gform. themeScriptsLoaded=! 0}),window. addEventListener("DOMContentLoaded",function{gform. domLoaded=! 0}),gform={domLoaded:! 1,scriptsLoaded:! 1,themeScriptsLoaded:! 1,isFormEditor:=>"function"==typeof InitializeEditor,callIfLoaded:function(o){return! (! gform. domLoaded||! gform. scriptsLoaded||! gform. themeScriptsLoaded&&! gform. isFormEditor||(gform. isFormEditor&&console. warn("The use of gform. initializeOnLoaded is deprecated in the form editor context and will be removed in Gravity Forms 3. 1. "),o,0))},initializeOnLoaded:function(o){gform. callIfLoaded(o)||(document. addEventListener("gform_main_scripts_loaded",=>{gform. scriptsLoaded=! 0,gform. callIfLoaded(o)}),document. addEventListener("gform/theme/scripts_loaded",=>{gform. themeScriptsLoaded=! 0,gform. callIfLoaded(o)}),window. addEventListener("DOMContentLoaded",=>{gform. domLoaded=! 0,gform. callIfLoaded(o)}))},hooks:{action:{},filter:{}},addAction:function(o,r,e,t){gform. addHook("action",o,r,e,t)},addFilter:function(o,r,e,t){gform. addHook("filter",o,r,e,t)},doAction:function(o){gform. doHook("action",o,arguments)},applyFilters:function(o){return gform. doHook("filter",o,arguments)},removeAction:function(o,r){gform. removeHook("action",o,r)},removeFilter:function(o,r,e){gform. removeHook("filter",o,r,e)},addHook:function(o,r,e,t,n){null==gform. hooks&&(gform. hooks=);var d=gform. hooks;null==n&&(n=r+"_"+d. length),gform. hooks. push({tag:n,callable:e,priority:t=null==t? 10:t})},doHook:function(r,o,e){var t;if(e=Array. prototype. slice. call(e,1),null! =gform. hooks&&((o=gform. hooks). sort(function(o,r){return o. priority-r. priority}),o. forEach(function(o){"function"! =typeof(t=o. callable)&&(t=window),"action"==r? t. apply(null,e):e=t. apply(null,e)})),"filter"==r)return e},removeHook:function(o,r,t,n){var e;null! =gform. hooks&&(e=(e=gform. hooks). filter(function(o,r,e){return! ! (null! =n&&n! =o. tag||null! =t&&t! =o. priority)}),gform. hooks=e)}}); Step 1 of 2 50% Name(Required) First Last Email(Required) Phone(Required)How can we help you today? (Required) Name Verification Please provide your name a second time to reduce spam. Submission of your information provides consent to contact you. Name First Last gform. initializeOnLoaded( function {gformInitSpinner( 1, 'https://wegetitclosed. com/wp-content/plugins/gravityforms/images/spinner. svg', false );jQuery('#gform_ajax_frame_1'). on('load',function{var contents = jQuery(this). contents. find('*'). html;var is_postback = contents. indexOf('GF_AJAX_POSTBACK') >= 0;if(! is_postback){return;}var form_content = jQuery(this). contents. find('#gform_wrapper_1');var is_confirmation = jQuery(this). contents. find('#gform_confirmation_wrapper_1'). length > 0;var is_redirect = contents. indexOf('gformRedirect{') >= 0;var is_form = form_content. length > 0 && ! is_redirect && ! is_confirmation;var mt = parseInt(jQuery('html'). css('margin-top'), 10) + parseInt(jQuery('body'). css('margin-top'), 10) + 100;if(is_form){jQuery('#gform_wrapper_1'). html(form_content. html);if(form_content. hasClass('gform_validation_error')){jQuery('#gform_wrapper_1'). addClass('gform_validation_error');} else {jQuery('#gform_wrapper_1'). removeClass('gform_validation_error');}setTimeout( function { /* delay the scroll by 50 milliseconds to fix a...

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- Published: 2025-10-13
- Modified: 2025-10-30
- URL: https://wegetitclosed.com/dscr-loans/

DSCR Loan ProgramDebt Service Coverage RatioWhat is a DSCR Loan? At American Mortgage we offer DSCR's. Understanding how Florida DSCR loans work requires basic knowledge of the debt service coverage ratio (DSCR) itself. So, your debt service coverage ratio is the ratio of your cash flow to the amount of debt you should repay if you take out a loan. This refers to your annual rental income vs. your annual debt as a rental property investor. Debt service coverage ratio loans are non-QM loans, which means you won’t have to go through the traditional mortgage application procedure to get it. When applying for conventional Florida home loans, you typically need to get a credit report, disclose your assets, prove your income and employment, and jump through various additional symbolic hoops. Indeed, some non-QM loans are designed for typical homebuyers who do not qualify for a conventional mortgage, but DSCR loans are solely for property investors. The most significant advantage of Florida DSCR loans is that you may be eligible for one even if you are ineligible for a conventional loan in Florida. This allows more borrowers to get a loan and step into the world of real estate investing. You can receive the cash you need to invest in Florida rental homes if you have a good DSCR. If you’re considering investing in real estate property in Florida, a DSCR loan may be the right option for your needs. Looking for a DSCR Loan? Submit Your Information! var gform;gform||(document. addEventListener("gform_main_scripts_loaded",function{gform. scriptsLoaded=! 0}),document. addEventListener("gform/theme/scripts_loaded",function{gform. themeScriptsLoaded=! 0}),window. addEventListener("DOMContentLoaded",function{gform. domLoaded=! 0}),gform={domLoaded:! 1,scriptsLoaded:! 1,themeScriptsLoaded:! 1,isFormEditor:=>"function"==typeof InitializeEditor,callIfLoaded:function(o){return! (! gform. domLoaded||! gform. scriptsLoaded||! gform. themeScriptsLoaded&&! gform. isFormEditor||(gform. isFormEditor&&console. warn("The use of gform. initializeOnLoaded is deprecated in the form editor context and will be removed in Gravity Forms 3. 1. "),o,0))},initializeOnLoaded:function(o){gform. callIfLoaded(o)||(document. addEventListener("gform_main_scripts_loaded",=>{gform. scriptsLoaded=! 0,gform. callIfLoaded(o)}),document. addEventListener("gform/theme/scripts_loaded",=>{gform. themeScriptsLoaded=! 0,gform. callIfLoaded(o)}),window. addEventListener("DOMContentLoaded",=>{gform. domLoaded=! 0,gform. callIfLoaded(o)}))},hooks:{action:{},filter:{}},addAction:function(o,r,e,t){gform. addHook("action",o,r,e,t)},addFilter:function(o,r,e,t){gform. addHook("filter",o,r,e,t)},doAction:function(o){gform. doHook("action",o,arguments)},applyFilters:function(o){return gform. doHook("filter",o,arguments)},removeAction:function(o,r){gform. removeHook("action",o,r)},removeFilter:function(o,r,e){gform. removeHook("filter",o,r,e)},addHook:function(o,r,e,t,n){null==gform. hooks&&(gform. hooks=);var d=gform. hooks;null==n&&(n=r+"_"+d. length),gform. hooks. push({tag:n,callable:e,priority:t=null==t? 10:t})},doHook:function(r,o,e){var t;if(e=Array. prototype. slice. call(e,1),null! =gform. hooks&&((o=gform. hooks). sort(function(o,r){return o. priority-r. priority}),o. forEach(function(o){"function"! =typeof(t=o. callable)&&(t=window),"action"==r? t. apply(null,e):e=t. apply(null,e)})),"filter"==r)return e},removeHook:function(o,r,t,n){var e;null! =gform. hooks&&(e=(e=gform. hooks). filter(function(o,r,e){return! ! (null! =n&&n! =o. tag||null! =t&&t! =o. priority)}),gform. hooks=e)}}); Step 1 of 2 50% Name(Required) First Last Email(Required) Phone(Required)When do you plan to purchase? (Required)Signed A Purchase AgreementOffer PendingBuying in 30 DaysBuying in 2-3 MonthsResearching OptionsCredit Profile(Required) Excellent (720+) Good (660-719) Avg. (620-659) Below Avg. (580-519) Poor (= 0;if(! is_postback){return;}var form_content = jQuery(this). contents. find('#gform_wrapper_16');var...

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- Published: 2025-10-12
- Modified: 2025-10-30
- URL: https://wegetitclosed.com/programs/fha/

(FHA) Federal Housing Administration LoansOptimal Choice for First Time Buyers. Federal Housing AdministrationAmerican Mortgage Services offers an FHA loan option. This program is geared to assist consumers with a loan product that provides easier loan qualifications. Unlike conventional loans, FHA loans require a significantly lower down payment and have less stringent qualifiers. FHA loans are issued by a bank or a mortgage lender but are insured against loan default by the government (specifically, the Federal Housing Administration). Interest rates for FHA loans are based on the current real estate market and can be influenced by a borrower’s credit score and/or down payment. Click Here To View Our FHA CalculatorInterested In An FHA Loan? Submit Your Info! var gform;gform||(document. addEventListener("gform_main_scripts_loaded",function{gform. scriptsLoaded=! 0}),document. addEventListener("gform/theme/scripts_loaded",function{gform. themeScriptsLoaded=! 0}),window. addEventListener("DOMContentLoaded",function{gform. domLoaded=! 0}),gform={domLoaded:! 1,scriptsLoaded:! 1,themeScriptsLoaded:! 1,isFormEditor:=>"function"==typeof InitializeEditor,callIfLoaded:function(o){return! (! gform. domLoaded||! gform. scriptsLoaded||! gform. themeScriptsLoaded&&! gform. isFormEditor||(gform. isFormEditor&&console. warn("The use of gform. initializeOnLoaded is deprecated in the form editor context and will be removed in Gravity Forms 3. 1. "),o,0))},initializeOnLoaded:function(o){gform. callIfLoaded(o)||(document. addEventListener("gform_main_scripts_loaded",=>{gform. scriptsLoaded=! 0,gform. callIfLoaded(o)}),document. addEventListener("gform/theme/scripts_loaded",=>{gform. themeScriptsLoaded=! 0,gform. callIfLoaded(o)}),window. addEventListener("DOMContentLoaded",=>{gform. domLoaded=! 0,gform. callIfLoaded(o)}))},hooks:{action:{},filter:{}},addAction:function(o,r,e,t){gform. addHook("action",o,r,e,t)},addFilter:function(o,r,e,t){gform. addHook("filter",o,r,e,t)},doAction:function(o){gform. doHook("action",o,arguments)},applyFilters:function(o){return gform. doHook("filter",o,arguments)},removeAction:function(o,r){gform. removeHook("action",o,r)},removeFilter:function(o,r,e){gform. removeHook("filter",o,r,e)},addHook:function(o,r,e,t,n){null==gform. hooks&&(gform. hooks=);var d=gform. hooks;null==n&&(n=r+"_"+d. length),gform. hooks. push({tag:n,callable:e,priority:t=null==t? 10:t})},doHook:function(r,o,e){var t;if(e=Array. prototype. slice. call(e,1),null! =gform. hooks&&((o=gform. hooks). sort(function(o,r){return o. priority-r. priority}),o. forEach(function(o){"function"! =typeof(t=o. callable)&&(t=window),"action"==r? t. apply(null,e):e=t. apply(null,e)})),"filter"==r)return e},removeHook:function(o,r,t,n){var e;null! =gform. hooks&&(e=(e=gform. hooks). filter(function(o,r,e){return! ! (null! =n&&n! =o. tag||null! =t&&t! =o. priority)}),gform. hooks=e)}}); Step 1 of 2 50% Name(Required) First Last Email(Required) Phone(Required)What type of FHA Loan are you interested in? (Required) Purchase Refinance Is there something particular you would like to also tell us about your FHA Loan requirement? Name Verification Please provide your name a second time to reduce spam. Submission of your information provides consent to contact you. Name First Last gform. initializeOnLoaded( function {gformInitSpinner( 10, 'https://wegetitclosed. com/wp-content/plugins/gravityforms/images/spinner. svg', false );jQuery('#gform_ajax_frame_10'). on('load',function{var contents = jQuery(this). contents. find('*'). html;var is_postback = contents. indexOf('GF_AJAX_POSTBACK') >= 0;if(! is_postback){return;}var form_content = jQuery(this). contents. find('#gform_wrapper_10');var is_confirmation = jQuery(this). contents. find('#gform_confirmation_wrapper_10'). length > 0;var is_redirect = contents. indexOf('gformRedirect{') >= 0;var is_form = form_content. length > 0 && ! is_redirect && ! is_confirmation;var mt = parseInt(jQuery('html'). css('margin-top'), 10) + parseInt(jQuery('body'). css('margin-top'), 10) + 100;if(is_form){jQuery('#gform_wrapper_10'). html(form_content. html);if(form_content. hasClass('gform_validation_error')){jQuery('#gform_wrapper_10'). addClass('gform_validation_error');} else {jQuery('#gform_wrapper_10'). removeClass('gform_validation_error');}setTimeout( function { /* delay the scroll by 50 milliseconds to fix a bug in chrome */ jQuery(document). scrollTop(jQuery('#gform_wrapper_10'). offset. top - mt); }, 50 );if(window) {gformInitDatepicker;}if(window) {gformInitPriceFields;}var current_page = jQuery('#gform_source_page_number_10'). val;gformInitSpinner( 10, 'https://wegetitclosed. com/wp-content/plugins/gravityforms/images/spinner. svg', false );jQuery(document). trigger('gform_page_loaded', );window = false;}else if(! is_redirect){var...

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- Published: 2025-06-23
- Modified: 2025-12-04
- URL: https://wegetitclosed.com/loan-officers/

How Can We Help? Please Choose A Loan Officer BelowOur Loan Officers Are Ready To HelpClay HeitlerPresident / Loan OfficerClayton Heitler is the President and Founder of American Mortgage Services, Inc. Heitler has owned and operated Tampa-based Affordable Home Mortgage (now American Mortgage Services) since 1999. He has an extensive background in financial services and is the leading producer in the office! NMLS #372592 813. 789. 9660 Apply With ClaytonNick Aristizabal Loan Officer Contact Details NMLS #1966897 239. 734. 0900 nicolas@amstampa. com Apply With NickVasili Barlamas Loan Officer Contact Details NMLS #1935305 727. 218. 7244 vasili@amstampa. com Apply With VasiliMike Brindle Loan Officer Contact Details Michael Brindle NMLS #370123 813. 240. 5412 mike@amstampa. com Apply With MikeScott Fitzgerald Loan Officer Contact Details NMLS #386722 813. 294. 7595 scott@amstampa. com Apply With ScottConnie Fox Loan Officer Contact Details NMLS #2610481 352. 737. 0675 connie@amstampa. com Apply With ConnieAllison Gurganus Loan Officer Contact Details NMLS #2568158 813. 451. 6393 allison@amstampa. com Apply With AllisonLynn Harrison Loan Officer Contact Details NMLS #1410232 813. 892. 0536 lynn@amstampa. com Apply With LynnNicholas Humphrey Loan Officer Contact Details NMLS #2566754 614. 579. 0329 nicolash@amstampa. com Apply With NicholasChristina Keen Loan Officer Contact Details NMLS #2279593 407. 927. 5331 christina@amstampa. com Apply With ChristinaSergio Matos Loan Officer Contact Details NMLS #756425 813. 765. 1230 sergio@amstampa. com Apply With SergioKathy Paulsen Loan Officer Contact Details NMLS #1730929 727. 542. 0407 kathy@amstampa. com Apply With KathyBert Rich Loan Officer Contact Details NMLS #2563615 813. 431. 8341 bert@amstampa. com Apply With BertAlexander Rotz Loan Officer Contact Details NMLS #1555722 813. 831. 9330 alex@amstampa. com Apply With AlexScott Schell Loan Officer Contact Details Scott M Schell NMLS #2610921 813. 415. 9897 scott. s@amstampa. com Apply With ScottChris Sommer Loan Officer Contact Details Christopher Sommer NMLS #380111 813. 957. 4900 chris@amstampa. com Apply With ChrisIrisley Tejeda Loan Officer Contact Details Irisley Tejeda NMLS #2554864 813. 451. 6096 irisley@amstampa. com Apply With IrisleyRich Walsh Loan Officer Contact Details Richard Walsh NMLS #1849825 561. 889. 1246 Rich@amstampa. com Apply With RichGarrett Williams Loan Officer Contact Details NMLS #2045052 813. 309. 0188 garrett@amstampa. com Apply With GarrettRandal Jenkins Mortgage Loan Officer Contact Details Randal Jenkins NMLS #205-3417 813. 831. 9330 randal@amstampa. com Apply With RandalWhy Choose Us? Experience – We put our 40+ years of combined experience in the Mortgage industry to work for YOU! Loan Programs – We have more loan options available than...

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- Published: 2025-06-15
- Modified: 2025-08-06
- URL: https://wegetitclosed.com/hometown-heroes/

Florida Hometown Heroes Home Loan ProgramImportant 2025 Update: New Requirements for Florida’s Hometown Heroes ProgramThe Florida Hometown Heroes Loan Program is evolving in 2025. While $50 million in funding has been approved by the Legislature, the program is currently pending final approval from the Governor. Florida Housing will release new guidelines and occupation eligibility soon. Here’s what you need to know. What You Get with the Hometown Heroes ProgramBenefits listed below are subject to change. New lender guidelines and occupation eligibility are expected soon. 1. Low Monthly PaymentsGet a 30-year fixed-rate mortgage with a competitive interest rate. Choose from FHA, VA, USDA-RD, or conventional loan options. Enjoy peace of mind with stable monthly payments that won’t change. 2. Help with Down Payment & Closing CostsReceive up to 5% of your total loan amount, capped at $35,000, with a minimum of $10,000. This is a 0% interest loan — no payments until you sell, refinance, or move out. Keep more of your savings for moving expenses, furniture, and family needs. Who’s Eligible? To qualify under the proposed 2025 Hometown Heroes Program, at least one borrower must: Be employed full-time by a Florida-based employer, and work in one of the following rolesHealthcare workerSchool staff memberFirst responderPublic safety employeeCourt employeeChildcare workerActive-duty military or military reserves, Coast Guard, or Florida National GuardVeteran employed full-time by a Florida-based employerPlease note: Florida Housing will publish a finalized list and updated program guide soon. We will update this page as soon as the information is released. Veterans are still included in the 2025 program; however, they must be employed full-time by a Florida-based employer. The exemption for employer requirement no longer applies. 2025 Hometown Heroes Income LimitsThe Hometown Heroes Program for 2025 has specific income limits that borrowers need to meet based upon county. Please find your specific county for the applicable limits. Income Limits - TBAIncome Limits - BondWhy Choose American Mortgage Services? We’re not just another lender — we’re your partner in making homeownership a reality. Here’s what makes working with American Mortgage Services the smart choice: Personal guidanceWe walk you through every step of the process. Fast, easy applicationGet pre-qualified and on the path to homeownership quickly. No unnecessary feesNo broker fees or 1% origination charge like other programs. Trusted experienceWe specialize in helping Florida’s heroes get the financing they deserve. What You’ll Need to Apply Pending program updates, required documents may change. This...

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- Published: 2025-06-13
- Modified: 2025-10-30
- URL: https://wegetitclosed.com/lp/dscr/

Contact American Mortgage Services For your DSCR Loans today! (888) 838-9330Call Now 813-789-9660Contact American Mortgage Services For Your DSCR LoansNeed a DSCR Loan? We Get It Closed. Fast. Submit Your Info! Get Pre-Qualified for a DSCR Loan Today var gform;gform||(document. addEventListener("gform_main_scripts_loaded",function{gform. scriptsLoaded=! 0}),document. addEventListener("gform/theme/scripts_loaded",function{gform. themeScriptsLoaded=! 0}),window. addEventListener("DOMContentLoaded",function{gform. domLoaded=! 0}),gform={domLoaded:! 1,scriptsLoaded:! 1,themeScriptsLoaded:! 1,isFormEditor:=>"function"==typeof InitializeEditor,callIfLoaded:function(o){return! (! gform. domLoaded||! gform. scriptsLoaded||! gform. themeScriptsLoaded&&! gform. isFormEditor||(gform. isFormEditor&&console. warn("The use of gform. initializeOnLoaded is deprecated in the form editor context and will be removed in Gravity Forms 3. 1. 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- Published: 2025-06-13
- Modified: 2025-06-13
- URL: https://wegetitclosed.com/lp/thank-you-dcsr-loans/

Call Now 813-789-9660Contact American Mortgage Services For your DSCR today! (888) 838-9330Thank you! Thank You! We’ve Received Your DSCR Loan Request. {Name (First):1. 3}, One of our investment loan specialists is already reviewing your information and will contact you shortly to discuss your options. If you would like to also call us directly, please call (888) 838-9330 to speak with us. (888) 838-9330Thank you! We’ve Received Your DSCR Loan Request. {Name (First):1. 3}, One of our investment loan specialists is already reviewing your information and will contact you shortly to discuss your options. If you would like to also call us directly, please call 813-789-9660 to speak with us. Call Now 813-789-9660Do You Have Questions? Contact Us! Step 1 of 2 50% Name(Required) First Last Email(Required) Phone(Required)How can we help you today? (Required) Name Verification Please provide your name a second time to reduce spam. Submission of your information provides consent to contact you. Name First Last /* { mutations. forEach( ( mutation ) => { if ( mutation. type === 'attributes' && visibilityTestDiv. offsetParent ! == null ) { debouncedTriggerPostRender; observer. disconnect; } }); }); observer. observe( document. body, { attributes: true, childList: false, subtree: true, attributeFilter: , }); } else { triggerPostRender; } } );} ); /* ]]> */ The contents within the website are presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. American Mortgage Services, Inc. NMLS# 259805 NMLS Consumer Access American Mortgage Services, Inc. Licensed in AL, FL, GA, LA, MI, & TN The contents within the website are presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. American Mortgage Services, Inc. NMLS# 259805 NMLS Consumer Access American Mortgage Services, Inc. Licensed in AL, FL, GA, LA, MI, & TN © Copyright 2025 American Mortgage Services, Inc • All Rights Reserved • Site by CICOR Marketing

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- Published: 2025-06-09
- Modified: 2025-08-07
- URL: https://wegetitclosed.com/mortgage-calculators/va-calculator/

VA CalculatorAmerican Mortgage wants everyone to be able to see how affordable a mortgage can be compared to renting. Feel free to use our Mortgage Calculator to see what your potential payments could look like. First Time VA Loan? Yes No Mortgage Term 30 Years 25 Years 20 Years 15 Years 10 Years 5 Years Type of Service Regular Military Reserves/National Guard Purchase Price $ Down Payment ($) 0% Interest Rate ($) 5% Annual Taxes ($) 1% Annual Insurance ($) $ Monthly HOA $ Want a Copy of the Results? $1421 Monthly VA Payment Principal & Interest $1421 Monthly Taxes $1421 Monthly HOA $1421 Monthly Insurance $1421 Purchase Price $1421 VA Funding Fee $1421 Amount Financed $1421 This calculation is an estimate and your actual payments, rates and terms will vary. *Mortgage payment amounts are subject to credit approval and qualification please read the American Mortgage Services Disclaimer Statement for additional information. American Mortgage Services hopes this calculator helps you in your mortgage decision process. Click Here To View More Info On VA LoansWhy Choose Us? Experience – We put our 40+ years of combined experience in the Mortgage industry to work for YOU! Loan Programs – We have more loan options available than banks, credit unions and most direct lenders. Low Rates – We shop our expansive book of lenders to find the best rate for your unique needs! Fees – As a wholesale mortgage broker, we are able to charge less fees than most competitors. Communication – Our knowledgeable team members are easily accessible to answer your questions and to update you and your realtor throughout the process of your loan.

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- Published: 2025-06-05
- Modified: 2025-06-09
- URL: https://wegetitclosed.com/mortgage-calculators/

Mortgage CalculatorsRefinance your home loan with American Mortgage Services and see how you can reduce your monthly expenses and save money. Our Refinance Mortgage Calculator allows you to see what your potential payments could look like. Purchase CalculatorSee what you can afford todayGet the best rates available See the savings Refinance CalculatorSee how much you can saveGet The Best Rates Available See the savings Affordability CalculatorSee how much you can saveGet the best rates available See the savings VA CalculatorSee how much you can saveGet the best rates available See the savings FHA CalculatorSee how much you can saveGet the best rates available See the savings Why Choose Us? Experience – We put our 40+ years of combined experience in the Mortgage industry to work for YOU! Loan Programs – We have more loan options available than banks, credit unions and most direct lenders. Low Rates – We shop our expansive book of lenders to find the best rate for your unique needs! Fees – As a wholesale mortgage broker, we are able to charge less fees than most competitors. Communication – Our knowledgeable team members are easily accessible to answer your questions and to update you and your realtor throughout the process of your loan.

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- Published: 2025-06-04
- Modified: 2025-06-09
- URL: https://wegetitclosed.com/programs/jumbo-loans/jumbo-loans-thank-you/

Jumbo LoansFinding Your Dream HomeJumbo Home Loan Submission{Name (First):1. 3}, Thank you for submitting your information for a {VA_Loan_Type:10} mortgage option through our Jumbo home loan program. A member of the American Mortgage Services Staff will be in contact with you soon to discuss additional details. If you would like to also call us directly, please call (888) 838-9330 to speak with us. . Questions? Contact Us! Step 1 of 2 50% Name(Required) First Last Email(Required) Phone(Required)How can we help you today? (Required) Name Verification Please provide your name a second time to reduce spam. Submission of your information provides consent to contact you. Name First Last /* { mutations. forEach( ( mutation ) => { if ( mutation. type === 'attributes' && visibilityTestDiv. offsetParent ! == null ) { debouncedTriggerPostRender; observer. disconnect; } }); }); observer. observe( document. body, { attributes: true, childList: false, subtree: true, attributeFilter: , }); } else { triggerPostRender; } } );} ); /* ]]> */ Why Choose Us? Experience – We put our 40+ years of combined experience in the Mortgage industry to work for YOU! Loan Programs – We have more loan options available than banks, credit unions and most direct lenders. Low Rates – We shop our expansive book of lenders to find the best rate for your unique needs! Fees – As a wholesale mortgage broker, we are able to charge less fees than most competitors. Communication – Our knowledgeable team members are easily accessible to answer your questions and to update you and your realtor throughout the process of your loan.

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- Published: 2025-06-04
- Modified: 2025-06-09
- URL: https://wegetitclosed.com/refinance/

Refinancing Done with EaseRefinanceAt American Mortgage, we’re here to make the home refinance process easier, with tools and knowledge that will help guide you along the way, starting with a refinance analysis request. We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you. As a result of refinancing, finance charges may be higher over the life of the loan. Refinancing could save you a considerable amount of money over the life of your loan and potentially improve your overall financial outlook. Refinancing is the process of paying off your existing mortgage with a new mortgage. Total finance charges may be higher over the life of the loan. Reduction in payments may reflect longer loan terms and higher interest charges over the life of the loan. Applicant should not assume that any debt will be eliminated by refinancing since the debts are consolidated into a new loan. Questions? Contact Us! Step 1 of 2 50% Name(Required) First Last Email(Required) Phone(Required)How can we help you today? (Required) Name VerificationPlease provide your name a second time to reduce spam. Submission of your information provides consent to contact you. Name First Last /* { mutations. forEach( ( mutation ) => { if ( mutation. type === 'attributes' && visibilityTestDiv. offsetParent ! == null ) { debouncedTriggerPostRender; observer. disconnect; } }); }); observer. observe( document. body, { attributes: true, childList: false, subtree: true, attributeFilter: , }); } else { triggerPostRender; } } );} ); /* ]]> */ Why Choose Us? Experience – We put our 40+ years of combined experience in the Mortgage industry to work for YOU! Loan Programs – We have more loan options available than banks, credit unions and most direct lenders. Low Rates – We shop our expansive book of lenders to find the best rate for your unique needs! Fees – As a wholesale mortgage broker, we are able to charge less fees than most competitors. Communication – Our knowledgeable team members are easily accessible to answer your questions and to update you and your realtor throughout the process of your loan.

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- Published: 2025-06-03
- Modified: 2025-10-30
- URL: https://wegetitclosed.com/purchase-programs/

Purchase ProgramsFind the right program for youPurchase ProgramsFinding the right type of program that meets your needs can be overwhelming. You need to compare different loan products, rates, down-payment requirements, and eligibility requirements so you can make an informed decision about a major purchase. American Mortgage makes things easier by providing key information on a variety of loan products you need up front. Whether you're a first time homebuyer, real estate investor, or looking to buy a second home, choose from a variety of home loan products designed for your particular situation. At AMS, We pride ourselves keeping our Realtors and buyers updated and well-informed throughout the closing process. We do not operate by banker's hours; we are here to answer our clients calls and questions 24/7. We get it closed! What We Offer at American Mortgage ServicesConventional, DSCR, FHA (203B), VA, USDA, and JumboFreddie Mac Home Possible & HomeReadyWhy Choose Us? Experience – We put our 40+ years of combined experience in the Mortgage industry to work for YOU! Loan Programs – We have more loan options available than banks, credit unions and most direct lenders. Low Rates – We shop our expansive book of lenders to find the best rate for your unique needs! Fees – As a wholesale mortgage broker, we are able to charge less fees than most competitors. Communication – Our knowledgeable team members are easily accessible to answer your questions and to update you and your realtor throughout the process of your loan. American Mortgage Services, Inc. 4. 8Based on 105 reviewspowered by Googlereview us onJim Norris19:41 06 Mar 25Everyone we worked with was pleasant, concise, considerate, and efficient. It was a pleasure to work with American Mortgage Services. Jim Norris19:41 06 Mar 25Everyone we worked with was pleasant, concise, considerate, and efficient. It was a pleasure to work with American Mortgage Services. John Lewis20:34 12 Feb 25Mellissa, Alexis and everyone at American Mortgage Services was a great help through the whole process! John Lewis20:34 12 Feb 25Mellissa, Alexis and everyone at American Mortgage Services was a great help through the whole process! Diego Perilla18:38 09 Feb 25The superseded our expectations, very detailed oriented and quickly updating us on the application. Irisley Tejada and Dennis Gagnon were instrumental in the approval processDiego Perilla18:38 09 Feb 25The superseded our expectations, very detailed oriented and quickly updating us on the application. Irisley Tejada and Dennis Gagnon...

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- Published: 2025-05-21
- Modified: 2025-06-09
- URL: https://wegetitclosed.com/renovation-programs/

Renovation ProgramsFind the right program for youRenovation ProgramsFinding the right type of program that meets your needs can be overwhelming. You need to compare different loan products, rates, down-payment requirements, and eligibility requirements so you can make an informed decision about a major purchase. American Mortgage Services makes things easier by providing key information on a variety of loan products you need up front. Whether you’re a first time homebuyer, real estate investor, or looking to buy a second home, choose from a variety of home loan products designed for your particular situation. At American Mortgage Services, We pride ourselves keeping our Realtors and buyers updated and well-informed throughout the closing process. We do not operate by banker’s hours; we are here to answer our clients calls and questions 24/7. We get it closed! What We OfferFannie Mae Homestyle (all property types)VA Rehab (up to 35K of home improvements)USDA Renovation LoanFHA 203K Full (Primary Residence only, up to FHA Loan limits)FHA 203K Streamline (Primary Residence only, up to 35K )Why Choose American Mortgage Services? Experience – We put our 40+ years of combined experience in the Mortgage industry to work for YOU! Loan Programs – We have more loan options available than banks, credit unions and most direct lenders. Low Rates – We shop our expansive book of lenders to find the best rate for your unique needs! Fees – As a wholesale mortgage broker, we are able to charge less fees than most competitors. Communication – Our knowledgeable team members are easily accessible to answer your questions and to update you and your realtor throughout the process of your loan. American Mortgage Services, Inc. 4. 8Based on 105 reviewspowered by Googlereview us onJim Norris19:41 06 Mar 25Everyone we worked with was pleasant, concise, considerate, and efficient. It was a pleasure to work with American Mortgage Services. John Lewis20:34 12 Feb 25Mellissa, Alexis and everyone at American Mortgage Services was a great help through the whole process! Diego Perilla18:38 09 Feb 25The superseded our expectations, very detailed oriented and quickly updating us on the application. Irisley Tejada and Dennis Gagnon were instrumental in the approval processRoyce Stewart Images20:03 05 Feb 25American Mortgage Services was like dealing with family. They took the time to understand my situation which helped me get a much better rate. I Highly recommend giving them a call if you are in the South Florida Market. Marco...

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- Published: 2025-05-19
- Modified: 2025-06-09
- URL: https://wegetitclosed.com/programs/arm/

Adjustable Rate Mortgage (ARM)Ideal For Higher Value HomesWhat Is An Adjustable Rate MortgageARM loans typically feature lower rates and monthly payments than comparable fixed-rate loans during the initial rate period, but rates could increase or decrease once the initial rate expires. The interest rate then may change (adjust) each year thereafter once the initial fixed period ends. At American Mortgage we offer ARM Loans. An adjustable-rate mortgage (ARM) is a loan in which the interest rate may change periodically, usually based upon a pre-determined index. The ARM loan may include an initial fixed-rate period that is typically 5 to 10 years. ARMs come with the risk of higher payments in the future that you might not be able to predict. Qualifications for an ARM LoanLow monthly paymentsVery good creditAt least a 5% down paymentIdeal for higher-valued homesInterested In An ARM Loan? Submit Your Info! Step 1 of 2 50% Name(Required) First Last Email(Required) Phone(Required)What type of ARM Loan are you interested in? (Required) Purchase Refinance Is there something particular you would like to also tell us about your ARM Loan requirement? Name Verification Please provide your name a second time to reduce spam. Submission of your information provides consent to contact you. Name First Last /* { mutations. forEach( ( mutation ) => { if ( mutation. type === 'attributes' && visibilityTestDiv. offsetParent ! == null ) { debouncedTriggerPostRender; observer. disconnect; } }); }); observer. observe( document. body, { attributes: true, childList: false, subtree: true, attributeFilter: , }); } else { triggerPostRender; } } );} ); /* ]]> */ Why Choose Us? Experience – We put our 40+ years of combined experience in the Mortgage industry to work for YOU! Loan Programs – We have more loan options available than banks, credit unions and most direct lenders. Low Rates – We shop our expansive book of lenders to find the best rate for your unique needs! Fees – As a wholesale mortgage broker, we are able to charge less fees than most competitors. Communication – Our knowledgeable team members are easily accessible to answer your questions and to update you and your realtor throughout the process of your loan.

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- Published: 2025-05-15
- Modified: 2025-10-30
- URL: https://wegetitclosed.com/programs/usda/

USDA Home LoansLive the country life with NO low-down-payment. What Is USDA Loan? At American Mortgage Services, this program assists approved lenders in providing low- and moderate-income households the opportunity to own adequate, modest, decent, and safe dwellings as their primary residence in eligible rural areas. USDA home loans are typically for buyers in rural areas who might not qualify for other traditional loan products. A USDA home loan is a zero down payment mortgage for eligible rural homebuyers. USDA loans are issued through the USDA loan program, also known as the USDA Rural Development Guaranteed Housing Loan Program, by the United States Department of Agriculture. American Mortgage Services, Inc. is not affiliated or endorsed by the government or the U. S. Department of Agriculture (USDA). Interested In A USDA Loan? Submit Your Info! Step 1 of 2 50% Name(Required) First Last Email(Required) Phone(Required)What type of USDA Loan are you interested in? (Required) Purchase Refinance Is there something particular you would like to also tell us about your USDA Loan requirement? Name Verification Please provide your name a second time to reduce spam. Submission of your information provides consent to contact you. Name First Last gform. initializeOnLoaded( function {gformInitSpinner( 11, 'https://wegetitclosed. com/wp-content/plugins/gravityforms/images/spinner. svg', true );jQuery('#gform_ajax_frame_11'). on('load',function{var contents = jQuery(this). contents. find('*'). html;var is_postback = contents. indexOf('GF_AJAX_POSTBACK') >= 0;if(! is_postback){return;}var form_content = jQuery(this). contents. find('#gform_wrapper_11');var is_confirmation = jQuery(this). contents. find('#gform_confirmation_wrapper_11'). length > 0;var is_redirect = contents. indexOf('gformRedirect{') >= 0;var is_form = form_content. length > 0 && ! is_redirect && ! is_confirmation;var mt = parseInt(jQuery('html'). css('margin-top'), 10) + parseInt(jQuery('body'). css('margin-top'), 10) + 100;if(is_form){jQuery('#gform_wrapper_11'). html(form_content. html);if(form_content. hasClass('gform_validation_error')){jQuery('#gform_wrapper_11'). addClass('gform_validation_error');} else {jQuery('#gform_wrapper_11'). removeClass('gform_validation_error');}setTimeout( function { /* delay the scroll by 50 milliseconds to fix a bug in chrome */ jQuery(document). scrollTop(jQuery('#gform_wrapper_11'). offset. top - mt); }, 50 );if(window) {gformInitDatepicker;}if(window) {gformInitPriceFields;}var current_page = jQuery('#gform_source_page_number_11'). val;gformInitSpinner( 11, 'https://wegetitclosed. com/wp-content/plugins/gravityforms/images/spinner. svg', true );jQuery(document). trigger('gform_page_loaded', );window = false;}else if(! is_redirect){var confirmation_content = jQuery(this). contents. find('. GF_AJAX_POSTBACK'). html;if(! confirmation_content){confirmation_content = contents;}jQuery('#gform_wrapper_11'). replaceWith(confirmation_content);jQuery(document). scrollTop(jQuery('#gf_11'). offset. top - mt);jQuery(document). trigger('gform_confirmation_loaded', );window = false;wp. a11y. speak(jQuery('#gform_confirmation_message_11'). text);}else{jQuery('#gform_11'). append(contents);if(window) {gformRedirect;}}setTimeout( function {jQuery(document). trigger("gform_pre_post_render", ); if (event && event. defaultPrevented) { return; } const gformWrapperDiv = document. getElementById( "gform_wrapper_11" ); if ( gformWrapperDiv ) { const visibilitySpan = document. createElement( "span" ); visibilitySpan. id = "gform_visibility_test_11"; gformWrapperDiv. insertAdjacentElement( "afterend", visibilitySpan ); } const visibilityTestDiv = document. getElementById( "gform_visibility_test_11" ); let postRenderFired = false; function triggerPostRender { if ( postRenderFired ) { return; } postRenderFired =...

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- Published: 2025-05-13
- Modified: 2025-08-07
- URL: https://wegetitclosed.com/contact-us/

Contact UsAmerican Mortgage ServicesWe Get It Closed. contactus@amstampa. com 24/7: (888) 838-9330 1000 N Ashley Dr. #1020 Tampa, FL 33602 var gform;gform||(document. addEventListener("gform_main_scripts_loaded",function{gform. scriptsLoaded=! 0}),document. addEventListener("gform/theme/scripts_loaded",function{gform. themeScriptsLoaded=! 0}),window. addEventListener("DOMContentLoaded",function{gform. domLoaded=! 0}),gform={domLoaded:! 1,scriptsLoaded:! 1,themeScriptsLoaded:! 1,isFormEditor:=>"function"==typeof InitializeEditor,callIfLoaded:function(o){return! (! gform. domLoaded||! gform. scriptsLoaded||! gform. themeScriptsLoaded&&! gform. isFormEditor||(gform. isFormEditor&&console. warn("The use of gform. initializeOnLoaded is deprecated in the form editor context and will be removed in Gravity Forms 3. 1. 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(null! =n&&n! =o. tag||null! =t&&t! =o. priority)}),gform. hooks=e)}}); Step 1 of 2 50% Name(Required) First Last Email(Required) Phone(Required)How can we help you today? (Required) Name Verification Please provide your name a second time to reduce spam. Submission of your information provides consent to contact you. Name First Last gform. initializeOnLoaded( function {gformInitSpinner( 1, 'https://wegetitclosed. com/wp-content/plugins/gravityforms/images/spinner. svg', false );jQuery('#gform_ajax_frame_1'). on('load',function{var contents = jQuery(this). contents. find('*'). html;var is_postback = contents. indexOf('GF_AJAX_POSTBACK') >= 0;if(! is_postback){return;}var form_content = jQuery(this). contents. find('#gform_wrapper_1');var is_confirmation = jQuery(this). contents. find('#gform_confirmation_wrapper_1'). length > 0;var is_redirect = contents. indexOf('gformRedirect{') >= 0;var is_form = form_content. length > 0 && ! is_redirect && ! is_confirmation;var mt = parseInt(jQuery('html'). css('margin-top'), 10) + parseInt(jQuery('body'). css('margin-top'), 10) + 100;if(is_form){jQuery('#gform_wrapper_1'). html(form_content. html);if(form_content. hasClass('gform_validation_error')){jQuery('#gform_wrapper_1'). addClass('gform_validation_error');} else {jQuery('#gform_wrapper_1'). removeClass('gform_validation_error');}setTimeout( function { /* delay the scroll by 50 milliseconds to fix a bug in chrome */ jQuery(document). scrollTop(jQuery('#gform_wrapper_1'). offset. top - mt); }, 50 );if(window) {gformInitDatepicker;}if(window) {gformInitPriceFields;}var current_page = jQuery('#gform_source_page_number_1'). val;gformInitSpinner( 1, 'https://wegetitclosed. com/wp-content/plugins/gravityforms/images/spinner. svg', false );jQuery(document). trigger('gform_page_loaded', );window = false;}else if(! is_redirect){var confirmation_content = jQuery(this). contents. find('. GF_AJAX_POSTBACK'). html;if(! confirmation_content){confirmation_content = contents;}jQuery('#gform_wrapper_1'). replaceWith(confirmation_content);jQuery(document). scrollTop(jQuery('#gf_1'). offset. top - mt);jQuery(document). trigger('gform_confirmation_loaded', );window = false;wp. a11y. speak(jQuery('#gform_confirmation_message_1'). text);}else{jQuery('#gform_1'). append(contents);if(window) {gformRedirect;}}jQuery(document). trigger("gform_pre_post_render", ); if (event && event. defaultPrevented) { return; } const gformWrapperDiv = document. getElementById( "gform_wrapper_1" ); if ( gformWrapperDiv ) { const visibilitySpan = document. createElement( "span" ); visibilitySpan. id = "gform_visibility_test_1"; gformWrapperDiv. insertAdjacentElement( "afterend", visibilitySpan ); } const visibilityTestDiv = document. getElementById( "gform_visibility_test_1" ); let postRenderFired = false; function triggerPostRender { if ( postRenderFired ) { return; } postRenderFired = true; gform. core. triggerPostRenderEvents( 1, current_page ); if ( visibilityTestDiv ) { visibilityTestDiv. parentNode. removeChild( visibilityTestDiv ); } } function debounce( func, wait, immediate ) { var timeout; return function...

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- Published: 2025-05-12
- Modified: 2025-06-16
- URL: https://wegetitclosed.com/programs/va/

(VA) Veterans Affairs Home LoansOptimal Choice for Active Duty or Veterans(VA) Veterans Affairs LoansVA home loans have been around since 1944, but they’ve become increasingly popular in recent years and now account for about 8%* of home purchases. VA Loans were created to help qualified current members and Veterans of the United States Armed Forces purchase homes with special rates and often NO MONEY DOWN. Using the VA program, borrowers can also refinance their homes with a VA streamline or cash-out loan options. VA home loans also do not have monthly mortgage insurance. These very specific loans do differ in some key ways from traditional home loans. If you are on Active Duty or are a Veteran, a VA home loan can be a great way into homeownership. Contact your American Mortgage Service Representative TODAY to find out how and if YOU qualify. American Mortgage Services, Inc. is not affiliated or endorsed by the government or the U. S. Department of Veterans Affairs. Click Here To View Our VA CalculatorKnow The VA Loans rates Submit Your Info! Step 1 of 2 50% Name(Required) First Last Email(Required) Phone(Required)What type of VA Loan are you interested in? (Required) Purchase Refinance Is there something particular you would like to also tell us about your VA Loan requirement? Name Verification Please provide your name a second time to reduce spam. Submission of your information provides consent to contact you. Name First Last /* { mutations. forEach( ( mutation ) => { if ( mutation. type === 'attributes' && visibilityTestDiv. offsetParent ! == null ) { debouncedTriggerPostRender; observer. disconnect; } }); }); observer. observe( document. body, { attributes: true, childList: false, subtree: true, attributeFilter: , }); } else { triggerPostRender; } } );} ); /* ]]> */ Key Benefits of VA Loans No Down Payment Required Lower Rates / Easier Credit QualifyingHigher Debt to Income RatiosFunding Fee Can Be FinancedSame Day Pre-QualificationsJumbo Available with Down PaymentStreamline Refinance AvailableNo Monthly Mortgage InsuranceWhy Choose Us? Experience – We put our 40+ years of combined experience in the Mortgage industry to work for YOU! Loan Programs – We have more loan options available than banks, credit unions and most direct lenders. Low Rates – We shop our expansive book of lenders to find the best rate for your unique needs! Fees – As a wholesale mortgage broker, we are able to charge less fees than most competitors. Communication...

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- Published: 2025-05-10
- Modified: 2025-06-09
- URL: https://wegetitclosed.com/purchase/

Purchasing a HomePurchase LoanNeed financing options on a home, or other real estate? We're here to help at American Mortgage. Choosing a purchase loan product that matches your goals and making sure you get a favorable rate doesn’t have to be stressful. At American Mortgage, we’re here to make the home loan process easier, with tools and knowledge that will help guide you along the way. Lenders review your total monthly debt (proposed housing payment + regular monthly debt) as a percentage of your total gross monthly income. The acceptable percentage (DTI) will vary depending upon the specific loan program for which you apply. Questions? Contact Us! Step 1 of 2 50% Name(Required) First Last Phone(Required)Email(Required) Loan of Interest? (Required) FHA VA USDA Jumbo ARM Conventional Name Verification Please provide your name a second time to reduce spam. Submission of your information provides consent to contact you. Name First Last /* { mutations. forEach( ( mutation ) => { if ( mutation. type === 'attributes' && visibilityTestDiv. offsetParent ! == null ) { debouncedTriggerPostRender; observer. disconnect; } }); }); observer. observe( document. body, { attributes: true, childList: false, subtree: true, attributeFilter: , }); } else { triggerPostRender; } } );} ); /* ]]> */ Why Choose Us? Experience – We put our 40+ years of combined experience in the Mortgage industry to work for YOU! Loan Programs – We have more loan options available than banks, credit unions and most direct lenders. Low Rates – We shop our expansive book of lenders to find the best rate for your unique needs! Fees – As a wholesale mortgage broker, we are able to charge less fees than most competitors. Communication – Our knowledgeable team members are easily accessible to answer your questions and to update you and your realtor throughout the process of your loan.

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- Published: 2025-05-09
- Modified: 2025-06-09
- URL: https://wegetitclosed.com/programs/usda/usda-thank-you/

USDA Home LoansLive the country life with a low-down-payment. USDA Home Loan Submission{Name (First):1. 3}, Thank you for submitting your information for a {VA_Loan_Type:10} mortgage option through our USDA backed home loan program. A member of the American Mortgage Services Staff will be in contact with you soon to discuss additional details. If you would like to also call us directly, please call 813. 789. 9660 to speak with us. American Mortgage Services, Inc. is not affiliated or endorsed by the government or the U. S. Department of Agriculture (USDA). Questions? Contact Us! Step 1 of 2 50% Name(Required) First Last Email(Required) Phone(Required)How can we help you today? (Required) Name Verification Please provide your name a second time to reduce spam. Submission of your information provides consent to contact you. Name First Last /* { mutations. forEach( ( mutation ) => { if ( mutation. type === 'attributes' && visibilityTestDiv. offsetParent ! == null ) { debouncedTriggerPostRender; observer. disconnect; } }); }); observer. observe( document. body, { attributes: true, childList: false, subtree: true, attributeFilter: , }); } else { triggerPostRender; } } );} ); /* ]]> */ Key Benefits of USDA LoansAvailable for Purchase or RefinancesAvailable for eligible homebuyersZero down payment (or very low-down-payment)Competitive fixed ratesNo cash reserves requiredGuarantee fee can be financedClosing costs can be paid by SellerYou don’t have to be a farmerWhy Choose Us? Experience – We put our 40+ years of combined experience in the Mortgage industry to work for YOU! Loan Programs – We have more loan options available than banks, credit unions and most direct lenders. Low Rates – We shop our expansive book of lenders to find the best rate for your unique needs! Fees – As a wholesale mortgage broker, we are able to charge less fees than most competitors. Communication – Our knowledgeable team members are easily accessible to answer your questions and to update you and your realtor throughout the process of your loan.

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- Published: 2025-05-09
- Modified: 2025-08-08
- URL: https://wegetitclosed.com/mortgage-calculators/purchase-calculator/

Purchase CalculatorAmerican Mortgage wants everyone to be able to see how affordable a mortgage can be compared to renting. Feel free to use our Mortgage Calculator to see what your potential payments could look like. Purchase Price $ Mortgage Term 30 Years 25 Years 20 Years 15 Years 10 Years 5 Years Down Payment ($) 5% Annual Taxes ($) 1% Interest Rate (%) 3. 25% Mortgage Insurance Rate (%) 0% Mortgage Insurance Rate (%) Your LTV is less than 80%, so you will not need to pay PMI. Annual Insurance $ Monthly HOA $ Want a Copy of the Results? $1421 Monthly Payment Principal & Interest $1421 Monthly Taxes $1421 Monthly HOA $1421 Monthly Insurance $1421 Monthly PMI $0 This calculation is an estimate and your actual payments, rates and terms will vary. *Mortgage payment amounts are subject to credit approval and qualification please read the American Mortgage Services Disclaimer Statement for additional information. American Mortgage Services hopes this calculator helps you in your mortgage decision process. Why Choose Us? Experience – We put our 40+ years of combined experience in the Mortgage industry to work for YOU! Loan Programs – We have more loan options available than banks, credit unions and most direct lenders. Low Rates – We shop our expansive book of lenders to find the best rate for your unique needs! Fees – As a wholesale mortgage broker, we are able to charge less fees than most competitors. Communication – Our knowledgeable team members are easily accessible to answer your questions and to update you and your realtor throughout the process of your loan.

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- Published: 2025-03-18
- Modified: 2025-06-09
- URL: https://wegetitclosed.com/programs/conventional-loans/

Conventional LoansLoans To Fit Your NeedsInterested In A Conventional Loan? Step 1 of 2 50% Name(Required) First Last Email(Required) Phone(Required)What type of Conventional Loan are you interested in? (Required) Purchase Refinance Is there something particular you would like to also tell us about your Conventional Loan requirement? Name Verification Please provide your name a second time to reduce spam. Submission of your information provides consent to contact you. Name First Last /* { mutations. forEach( ( mutation ) => { if ( mutation. type === 'attributes' && visibilityTestDiv. offsetParent ! == null ) { debouncedTriggerPostRender; observer. disconnect; } }); }); observer. observe( document. body, { attributes: true, childList: false, subtree: true, attributeFilter: , }); } else { triggerPostRender; } } );} ); /* ]]> */ What Are Conventional Loans? Conventional mortgages can be used to finance the purchase of a home or to refinance a current mortgage under more favorable terms. They can be issued with a fixed or variable interest rate and vary in term length—typically in 15- or 30-year terms. Conventional mortgage loans differ from other mortgage loan options because they are not offered or backed by a government agency and are instead provided by private lenders, like banks and mortgage companies. The terms and guidelines of a conventional mortgage loan are set by two of the Sponsoring Government Enterprises (GSE)—the Federal National Mortgage Association (Fannie Mae), or the Federal Home Loan Mortgage Corporation (Freddie Mac). Most consumers buying for the first time are required to put a 5% down payment, but some may qualify for as little as 3% down. If a borrower makes a 20% down payment, their PMI is waived, which can save homebuyers a significant amount of money over the life of their loan. Reverse Mortgage Requirements A minimum FICO credit score of 620 is required. Minimum of 2 years of steady employment history. A debt-to-income ratio of 50% or better; however, some exceptions may be made. An escrow account is required when less than 20% down payment is made to ensure taxes and insurance are covered. American Mortgage Services, Inc. is not affiliated or endorsed by Fannie Mae or Freddie Mac. Why Choose Us? Experience – We put our 40+ years of combined experience in the Mortgage industry to work for YOU! Loan Programs – We have more loan options available than banks, credit unions and most direct lenders. Low Rates – We...

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- Published: 2025-03-15
- Modified: 2025-06-09
- URL: https://wegetitclosed.com/programs/jumbo-loans/

Jumbo LoansFinding Your Dream HomeWhat is a Jumbo Loan? Conforming loans are mortgages with terms and conditions that meet the funding criteria of GSEs like Fannie Mae and Freddie Mac. One such condition is the size of loan that is allowed to be granted—this is called the “conforming loan amount. ” This amount is set annually to account for fluctuations in the real estate market by the Federal Housing Finance Agency Most conventional loans, FHA loans, and other similar conforming loans adhere to this loan limit. Exceptions to the limit are made for areas in the country where cost of living is exponentially higher. These areas are able to grant up to 150% of the conforming loan limit. As of 2021, the limit was set at $548,250 (or $ 822,375 for high-cost markets), meaning any buy interested in a property with a market value over this limit will need to look into a non-conforming loan. Interested In A Jumbo Loan? Submit Your Info! Step 1 of 2 50% Name(Required) First Last Email(Required) Phone(Required)What type of Jumbo Loan are you interested in? (Required) Purchase Refinance Is there something particular you would like to also tell us about your Jumbo Loan requirement? Name Verification Please provide your name a second time to reduce spam. Submission of your information provides consent to contact you. Name First Last /* { mutations. forEach( ( mutation ) => { if ( mutation. type === 'attributes' && visibilityTestDiv. offsetParent ! == null ) { debouncedTriggerPostRender; observer. disconnect; } }); }); observer. observe( document. body, { attributes: true, childList: false, subtree: true, attributeFilter: , }); } else { triggerPostRender; } } );} ); /* ]]> */ What is the Purpose of a Jumbo Loan? Non-conforming loans are any loan that is granted above the limit. Jumbo loans are one such non-conforming loans. Jumbo loans are mortgages granted over the FHFA limit—which is a risk for lenders because these homes are not guaranteed by Freddie Mac or Fannie Mae. As a result, the terms and requirements can be more stringent than a traditional FHA or conventional mortgage. Jumbo loans are specifically designed to provide financing options for luxury properties, a common sight throughout Florida. Typically, these loans are amortized over 30 years and have a fixed interest rate but can have an ARM. They can also be used for the purchase of a primary residence, second home, or an...

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- Published: 2025-03-15
- Modified: 2025-08-07
- URL: https://wegetitclosed.com/lp/va-loans/

Contact American Mortgage Services For your VA Home Loans today! (888) 838-9330Call Now 813-789-9660Contact American Mortgage Services For Your VA Home LoansVeterans Affairs Home LoansSubmit Your Info! And start the process for your VA Home Loan var gform;gform||(document. addEventListener("gform_main_scripts_loaded",function{gform. scriptsLoaded=! 0}),document. addEventListener("gform/theme/scripts_loaded",function{gform. themeScriptsLoaded=! 0}),window. addEventListener("DOMContentLoaded",function{gform. domLoaded=! 0}),gform={domLoaded:! 1,scriptsLoaded:! 1,themeScriptsLoaded:! 1,isFormEditor:=>"function"==typeof InitializeEditor,callIfLoaded:function(o){return! (! gform. domLoaded||! gform. scriptsLoaded||! gform. themeScriptsLoaded&&! gform. isFormEditor||(gform. isFormEditor&&console. warn("The use of gform. initializeOnLoaded is deprecated in the form editor context and will be removed in Gravity Forms 3. 1. 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(null! =n&&n! =o. tag||null! =t&&t! =o. priority)}),gform. hooks=e)}}); Step 1 of 2 50% Name(Required) First Last Email(Required) Phone(Required)Is there something particular you would like to also tell us about your VA Loan requirement? Name Verification Please provide your name a second time to reduce spam. Submission of your information provides consent to contact you. 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GF_AJAX_POSTBACK'). html;if(! confirmation_content){confirmation_content = contents;}jQuery('#gform_wrapper_20'). replaceWith(confirmation_content);jQuery(document). scrollTop(jQuery('#gf_20'). offset. top - mt);jQuery(document). trigger('gform_confirmation_loaded', );window = false;wp. a11y. speak(jQuery('#gform_confirmation_message_20'). text);}else{jQuery('#gform_20'). append(contents);if(window) {gformRedirect;}}jQuery(document). trigger("gform_pre_post_render", ); if (event && event. defaultPrevented) { return; } const gformWrapperDiv = document. getElementById( "gform_wrapper_20" ); if ( gformWrapperDiv ) { const visibilitySpan = document. createElement( "span" ); visibilitySpan. id = "gform_visibility_test_20"; gformWrapperDiv. insertAdjacentElement( "afterend", visibilitySpan ); } const visibilityTestDiv = document. getElementById( "gform_visibility_test_20" ); let postRenderFired = false; function triggerPostRender { if ( postRenderFired ) { return; } postRenderFired = true; gform. core. triggerPostRenderEvents( 20,...

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- Published: 2025-03-14
- Modified: 2025-06-09
- URL: https://wegetitclosed.com/important-disclosures/

Important Disclosures AMERICAN MORTGAGE SERVICE, INC. CUSTOMER COMPLAINT POLICY It is the policy of our company to respond to customer complaints, disputes and issues immediately, to take each complaint seriously, to investigate each complaint however small it is - immediately and to take remedial actions swiftly. As soon as a complaint is received, it is documented and is logged into a special log. The complaint is sent directly to the Customer Complaint Officer or designate, in order to take action. Our Customer Complaint Officer is Shannon Robinson. All complaints and records of complaints are kept in a special complaints binder along with all the Customer Complaint Officer's Quality Control Files and other written policies so employees can easily access them and use them to provide better customer service. Reports on complaints are reviewed during the Customer Complaint Officer's meetings with our Board. We are focused on providing financial products and services to all customers in compliance with all Federal and State regulatory policies including but not limited to consumer protection, fair lending and civil rights laws. In the event a complaint needs to be filed with us the complaining entity or person may: Contact our Customer Complaint Officer at the number above. Notify our Customer Complaint Officer in writing via email. Write a traditional letter to us at the address below. The complaint should be encouraged to be submitted in writing, and should include the following information: The name, address, and telephone number of the complainant. A description of the act or practice that is thought to be unfair or deceptive, or in violating of existing law or regulation, including all relevant facts. Response to a complaint sent directly to us will typically be provided before the end of thirty (30) day period from the date that we received the complaint. In the event a complaint is not resolved to your satisfaction you may contact the Consumer Financial Protection Bureau at http://www. consumerfinance. gov/complaint Accepted for the Company: Clay H. Name 6/21/2022 Date Address for traditional letters: American Mortgage Services, Inc 1000 N, Ashley Drive, Ste 1020 Tampa, Florida 33602 Office: (813) 831-9330 www. wegetitclosed. com NMLS ID: 259805 Name Date Compliance Services USA (C) 2021 Book One Operating Policies and Procedures Licensed FOR WEB SITE It is the policy of our company to respond to customer complaints, disputes and issues immediately, to take each complaint seriously, to investigate each...

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- Published: 2025-03-14
- Modified: 2025-06-09
- URL: https://wegetitclosed.com/lp/purchase/

Contact American Mortgage Services For Your Home Purchase Loan Today! (888) 838-9330Call Us! 813-578-4897Contact American Mortgage Services For Your Home Purchase Loan Today! Home Purchase Mortgage LoanSubmit Your Info! And start the process for your Home Purchase Loan Step 1 of 2 50% Name(Required) First Last Email(Required) Phone(Required)What type of property are you looking to purchase? Single Family Home Condo Townhome Other Residential Property Are you a first time home buyer? (Required) Yes No Credit Profile(Required) Excellent (720+) Good (660-719) Avg. (620-659) Below Avg. (580-519) Poor ( { if ( mutation. type === 'attributes' && visibilityTestDiv. offsetParent ! == null ) { debouncedTriggerPostRender; observer. disconnect; } }); }); observer. observe( document. body, { attributes: true, childList: false, subtree: true, attributeFilter: , }); } else { triggerPostRender; } } );} ); /* ]]> */ Need financing options on a home, or other real estate? We’re here to help at American Mortgage. Choosing a purchase loan product that matches your goals and making sure you get a favorable rate doesn’t have to be stressful. At American Mortgage, we’re here to make the home loan process easier, with tools and knowledge that will help guide you along the way. What We Offer at American Mortgage ServicesConventional, FHA (203B), VA, USDA, and JumboFreddie Mac Home Possible & HomeReadyAre you ready to become a homeowner? Call Us! (888) 838-9330The contents within the website are presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. American Mortgage Services, Inc. NMLS# 259805 NMLS Consumer Access American Mortgage Services, Inc. Licensed in AL, FL, GA, LA, MI, & TN The contents within the website are presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. American Mortgage Services, Inc. NMLS# 259805 NMLS Consumer Access American Mortgage Services, Inc. Licensed in AL, FL, GA, LA, MI, & TN © Copyright 2025 American Mortgage Services, Inc • All Rights Reserved • Site by CICOR Marketing

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- Published: 2025-03-14
- Modified: 2025-05-08
- URL: https://wegetitclosed.com/lp/thank-you-va-loans/

Call Now 813-789-9660Contact American Mortgage Services For your VA Home Loans today! (888) 838-9330Thank you! Your information was submitted for a VA Home Loans with American Mortgage Services. {Name (First):1. 3}, A member of the American Mortgage Services Staff will be in contact with you soon to discuss additional details. If you would like to also call us directly, please call (888) 838-9330 to speak with us. (888) 838-9330Thank you! Your information was submitted for a VA Home Loans with American Mortgage Services. {Name (First):1. 3}, A member of the American Mortgage Services Staff will be in contact with you soon to discuss additional details. If you would like to also call us directly, please call 813-789-9660 to speak with us. Call Now 813-789-9660Do You Have Questions? Contact Us! Step 1 of 2 50% Name(Required) First Last Email(Required) Phone(Required)How can we help you today? (Required) Name Verification Please provide your name a second time to reduce spam. Submission of your information provides consent to contact you. Name First Last /* { mutations. forEach( ( mutation ) => { if ( mutation. type === 'attributes' && visibilityTestDiv. offsetParent ! == null ) { debouncedTriggerPostRender; observer. disconnect; } }); }); observer. observe( document. body, { attributes: true, childList: false, subtree: true, attributeFilter: , }); } else { triggerPostRender; } } );} ); /* ]]> */ The contents within the website are presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. American Mortgage Services, Inc. NMLS# 259805 NMLS Consumer Access American Mortgage Services, Inc. Licensed in AL, FL, GA, LA, MI, & TN The contents within the website are presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. American Mortgage Services, Inc. NMLS# 259805 NMLS Consumer Access American Mortgage Services, Inc. Licensed in AL, FL, GA, LA, MI, & TN © Copyright 2025 American Mortgage Services, Inc • All Rights Reserved • Site by CICOR Marketing

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- Published: 2025-03-14
- Modified: 2025-06-13
- URL: https://wegetitclosed.com/important-disclaimers/

Important Disclaimers• Not all borrowers will meet the requirements necessary to qualify. • As a result of refinancing, your total finance charges may be higher over the life of the loan. • The stated rate may change or not be available at the time of loan commitment. Lock-in is needed. • If including a monthly payment: Payments do not include taxes and insurance. Your payment obligation will be higher. • Mentioning savings by refinancing: As a result of refinancing, your total finance charges may be higher over the life of the loan. • Including closing costs or financing fees: Your total finance charges may be higher over the life of the loan. • Mentioning lower payment: Reduction in payments may reflect longer loan terms and higher interest charges over the life of the loan. • Mentioning consolidation: Applicant should not assume that any debt will be eliminated by refinancing since the debts are consolidated into a new loan. • Reference to “low doc/no doc”, “no income/no asset”, “stated income”, “stated asset”, “no ratio” or similar loan products: These products may have a higher interest rate, more points or more fees than other products requiring documentation. • If the loan is an FHA, VA, or RD loan or with MI any term insurance or guarantee used in the ad should clearly indicate the insurance or guarantee is for the lender and does not assist or insure the customer. • Do not imply or reference any offering, authority, collaboration or approval by Fannie Mae, Freddie Mac, FHA, VA, RD, Ginnie Mae, HUD or any other government agency to offer the program. If advertising such products: Broker Company name is not affiliated or endorsed by the government or the Dept. of Veterans Affairs. Government Disclaimers: American Mortgage Services, Inc. is not affiliated or endorsed by the government or the Federal Housing Administration (FHA), the U. S. Department of Veterans Affairs (VA), the U. S. Department of Agriculture (USDA), or by Fannie Mae or Freddie Mac.

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- Published: 2025-03-14
- Modified: 2025-06-09
- URL: https://wegetitclosed.com/lp/thank-you-purchase/

Call Us! 813-789-9660Contact American Mortgage Services For your Home Purchase Loan today! (888) 838-9330Thank you! Your information was submitted for a Home Purchase Mortgage Loan with American Mortgage Services. {Name (First):1. 3}, A member of the American Mortgage Services Staff will be in contact with you soon to discuss additional details. If you would like to also call us directly, please call (888) 838-9330 to speak with us. (888) 838-9330Thank you! Your information was submitted for a Home Purchase Mortgage Loan with American Mortgage Services. {Name (First):1. 3}, A member of the American Mortgage Services Staff will be in contact with you soon to discuss additional details. If you would like to also call us directly, please call 813-789-9660 to speak with us. Call Now tel 813-789-9660Do You Have Questions? Contact Us! Step 1 of 2 50% Name(Required) First Last Email(Required) Phone(Required)How can we help you today? (Required) Name Verification Please provide your name a second time to reduce spam. Submission of your information provides consent to contact you. Name First Last /* { mutations. forEach( ( mutation ) => { if ( mutation. type === 'attributes' && visibilityTestDiv. offsetParent ! == null ) { debouncedTriggerPostRender; observer. disconnect; } }); }); observer. observe( document. body, { attributes: true, childList: false, subtree: true, attributeFilter: , }); } else { triggerPostRender; } } );} ); /* ]]> */ The contents within the website are presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. American Mortgage Services, Inc. NMLS# 259805 NMLS Consumer Access American Mortgage Services, Inc. Licensed in AL, FL, GA, LA, MI, & TN The contents within the website are presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. American Mortgage Services, Inc. NMLS# 259805 NMLS Consumer Access American Mortgage Services, Inc. Licensed in AL, FL, GA, LA, MI, & TN © Copyright 2025 American Mortgage Services, Inc • All Rights Reserved • Site by CICOR Marketing

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- Published: 2025-03-14
- Modified: 2025-05-08
- URL: https://wegetitclosed.com/lp/va-refinance/

Contact American Mortgage Services For your VA Home Refinance today! (888) 838-9330Call Now 813-789-9660Contact American Mortgage Services For Your Veterans Affairs Refinance Home Loan Today! Veterans Affairs Home RefinanceSubmit Your Info! And start the process for your VA Home Refinance Step 1 of 2 50% Name(Required) First Last Email(Required) Phone(Required)Is there something particular you would like to also tell us about your VA Home Refinance requirement? Name VerificationPlease provide your name a second time to reduce spam. Submission of your information provides consent to contact you. Name First Last /* { mutations. forEach( ( mutation ) => { if ( mutation. type === 'attributes' && visibilityTestDiv. offsetParent ! == null ) { debouncedTriggerPostRender; observer. disconnect; } }); }); observer. observe( document. body, { attributes: true, childList: false, subtree: true, attributeFilter: , }); } else { triggerPostRender; } } );} ); /* ]]> */ If you are on Active Duty or are a Veteran, a VA Home Refinance can be a great way to get a new VA loan with a lower interest rate or convert a VA loan from an adjustable to fixed-rate. Using the VA program, borrowers can refinance their homes with a VA streamline or cash-out loan options. VA home loans refinance do not have monthly mortgage insurance. AMS VA Home Refinance BenefitIRRRL's (VA)A VA IRRRL is a mortgage refinance option for Veterans with an existing VA loan. The IRRRL allows homeowners to refinance an existing VA loan to a new VA loan with a lower interest rate or convert a VA loan from an adjustable to fixed-rate. It's often called a VA streamline because it generally requires less paperwork and is faster than a typical refinance. Are you ready to become a homeowner? Call Us! (888) 838-9330The contents within the website are presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. American Mortgage Services, Inc. NMLS# 259805 NMLS Consumer Access American Mortgage Services, Inc. Licensed in AL, FL, GA, LA, MI, & TN The contents within the website are presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. American Mortgage Services, Inc. NMLS# 259805 NMLS Consumer Access American Mortgage Services, Inc. Licensed in...

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- Published: 2025-03-14
- Modified: 2025-05-08
- URL: https://wegetitclosed.com/lp/thank-you-refinance/

Call Now 813-789-9660Contact American Mortgage Services For your Home Refinance today! (888) 838-9330Thank you! Your information was submitted for a Home Refinance with American Mortgage Services. {Name (First):1. 3}, A member of the American Mortgage Services Staff will be in contact with you soon to discuss additional details. If you would like to also call us directly, please call 813-756-8845 to speak with us. (888) 838-9330Thank you! Your information was submitted for a Home Refinance with American Mortgage Services. {Name (First):1. 3}, A member of the American Mortgage Services Staff will be in contact with you soon to discuss additional details. If you would like to also call us directly, please call 813-789-9660 to speak with us. Call Now 813-789-9660Do You Have Questions? Contact Us! Step 1 of 2 50% Name(Required) First Last Email(Required) Phone(Required)How can we help you today? (Required) Name Verification Please provide your name a second time to reduce spam. Submission of your information provides consent to contact you. Name First Last /* { mutations. forEach( ( mutation ) => { if ( mutation. type === 'attributes' && visibilityTestDiv. offsetParent ! == null ) { debouncedTriggerPostRender; observer. disconnect; } }); }); observer. observe( document. body, { attributes: true, childList: false, subtree: true, attributeFilter: , }); } else { triggerPostRender; } } );} ); /* ]]> */ The contents within the website are presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. American Mortgage Services, Inc. NMLS# 259805 NMLS Consumer Access American Mortgage Services, Inc. Licensed in AL, FL, GA, LA, MI, & TN The contents within the website are presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. American Mortgage Services, Inc. NMLS# 259805 NMLS Consumer Access American Mortgage Services, Inc. Licensed in AL, FL, GA, LA, MI, & TN © Copyright 2025 American Mortgage Services, Inc • All Rights Reserved • Site by CICOR Marketing

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- Published: 2025-03-14
- Modified: 2025-09-02
- URL: https://wegetitclosed.com/lp/refinance/

Contact American Mortgage Services For your Home Refinance today! (888) 838-9330Call Us! 813-756-8845Contact American Mortgage Services For Your Home Refinance Loan Today! Home Refinance Mortgage LoanSubmit Your Info! And start the process for your Home Refinance Step 1 of 2 50% Name(Required) First Last Email(Required) Phone(Required)Is there something particular you would like to also tell us about your Home Refinance requirement? Name VerificationPlease provide your name a second time to reduce spam. Submission of your information provides consent to contact you. Name First Last gform. initializeOnLoaded( function {gformInitSpinner( 22, 'https://wegetitclosed. com/wp-content/plugins/gravityforms/images/spinner. svg', true );jQuery('#gform_ajax_frame_22'). on('load',function{var contents = jQuery(this). contents. find('*'). html;var is_postback = contents. indexOf('GF_AJAX_POSTBACK') >= 0;if(! is_postback){return;}var form_content = jQuery(this). contents. find('#gform_wrapper_22');var is_confirmation = jQuery(this). contents. find('#gform_confirmation_wrapper_22'). length > 0;var is_redirect = contents. indexOf('gformRedirect{') >= 0;var is_form = form_content. length > 0 && ! is_redirect && ! is_confirmation;var mt = parseInt(jQuery('html'). css('margin-top'), 10) + parseInt(jQuery('body'). css('margin-top'), 10) + 100;if(is_form){jQuery('#gform_wrapper_22'). html(form_content. html);if(form_content. hasClass('gform_validation_error')){jQuery('#gform_wrapper_22'). addClass('gform_validation_error');} else {jQuery('#gform_wrapper_22'). removeClass('gform_validation_error');}setTimeout( function { /* delay the scroll by 50 milliseconds to fix a bug in chrome */ jQuery(document). scrollTop(jQuery('#gform_wrapper_22'). offset. top - mt); }, 50 );if(window) {gformInitDatepicker;}if(window) {gformInitPriceFields;}var current_page = jQuery('#gform_source_page_number_22'). val;gformInitSpinner( 22, 'https://wegetitclosed. com/wp-content/plugins/gravityforms/images/spinner. svg', true );jQuery(document). trigger('gform_page_loaded', );window = false;}else if(! is_redirect){var confirmation_content = jQuery(this). contents. find('. GF_AJAX_POSTBACK'). html;if(! confirmation_content){confirmation_content = contents;}jQuery('#gform_wrapper_22'). replaceWith(confirmation_content);jQuery(document). scrollTop(jQuery('#gf_22'). offset. top - mt);jQuery(document). trigger('gform_confirmation_loaded', );window = false;wp. a11y. speak(jQuery('#gform_confirmation_message_22'). text);}else{jQuery('#gform_22'). append(contents);if(window) {gformRedirect;}}setTimeout( function {jQuery(document). trigger("gform_pre_post_render", ); if (event && event. defaultPrevented) { return; } const gformWrapperDiv = document. getElementById( "gform_wrapper_22" ); if ( gformWrapperDiv ) { const visibilitySpan = document. createElement( "span" ); visibilitySpan. id = "gform_visibility_test_22"; gformWrapperDiv. insertAdjacentElement( "afterend", visibilitySpan ); } const visibilityTestDiv = document. getElementById( "gform_visibility_test_22" ); let postRenderFired = false; function triggerPostRender { if ( postRenderFired ) { return; } postRenderFired = true; gform. core. triggerPostRenderEvents( 22, current_page ); if ( visibilityTestDiv ) { visibilityTestDiv. parentNode. removeChild( visibilityTestDiv ); } } function debounce( func, wait, immediate ) { var timeout; return function { var context = this, args = arguments; var later = function { timeout = null; if ( ! immediate ) func. apply( context, args ); }; var callNow = immediate && ! timeout; clearTimeout( timeout ); timeout = setTimeout( later, wait ); if ( callNow ) func. apply( context, args ); }; } const debouncedTriggerPostRender = debounce( function { triggerPostRender; }, 200 ); if ( visibilityTestDiv && visibilityTestDiv. offsetParent === null ) { const observer = new MutationObserver( ( mutations...

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- Published: 2025-03-13
- Modified: 2025-06-09
- URL: https://wegetitclosed.com/privacy-policy/

Privacy PolicyFinancial Services Modernization Act of 1999 Updated May 15th, 2025 This privacy policy has been compiled to better serve those who are concerned with how their 'Personally identifiable information' (PII) is being used online. PII, as used in US privacy law and information security,is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context. Please read our privacy policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your Personally Identifiable Information in accordance with our website. Our Privacy Officer is Shannon Robinson. What personal information do we collect from the people that visit our blog, website or app? When ordering or registering on our site, as appropriate, you may be asked to enter your name, email address, mailing address, phone number, social security number or other details to help you with your experience. When do we collect information? We collect information from you when you place an order, subscribe to a newsletter, respond to a survey, fill out a form at application or enter information on our site. How do we use your information? We may use the information we collect from you when you register, make a purchase, sign up for our newsletter, respond to a survey or marketing communication, surf the website, or use certain other site features in the following ways: To personalize user's experience and to allow us to deliver the type of content and product offerings which you are most interested. To allow us to better service you in responding to your customer service requests. To quickly process your transactions. To send periodic emails regarding your order or other products and services. How do we protect visitor information? Our website is scanned on a regular basis for security holes and known vulnerabilities in order to make your visit to our site as safe as possible. Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology. Compliance Services USA (C) 2021 Book One Operating Policies and Procedures We implement a variety of security measures when a user places an order enters, submits,...

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- Published: 2025-03-13
- Modified: 2025-06-09
- URL: https://wegetitclosed.com/faqs/

Frequently Asked Questions (FAQ's)What is a mortgage? A mortgage is a type of loan used to finance the purchase of a property, typically a home or a piece of real estate. In a mortgage, the borrower (i. e. , the person or entity buying the property) receives a lump sum of money from a lender (such as a bank or other financial institution) in exchange for a promise to repay the loan over a set period of time, usually with interest. What is a FHA loan? An FHA loan is a mortgage that is insured by the FHA and is designed to help homebuyers who may not qualify for a conventional loan. FHA loans have several benefits, including lower down payment requirements and more flexible credit score requirements. They are popular among first-time homebuyers, as well as those who have less-than-perfect credit or limited funds for a down payment. Find Out More What is a Reverse Mortgage Loan? A reverse mortgage loan is a type of home loan that allows homeowners who are aged 62 or older to convert a portion of their home's equity into cash. Unlike traditional mortgages, where the homeowner makes monthly payments to the lender, with a reverse mortgage, the lender pays the borrower. Find Out More What is a Jumbo Loan? A Jumbo loan is a type of mortgage loan that exceeds the limits set by Fannie Mae and Freddie Mac. These loan limits vary by county and are adjusted annually to account for changes in home prices. In 2022, the limit for most counties is $647,200 for a single-family home. Jumbo loans are generally used to purchase high-priced homes, such as luxury properties or homes in expensive neighborhoods, and typically have higher interest rates and stricter underwriting requirements than conforming loans. Find Out More What is a VA Home Loan? A VA Home Loan is a mortgage loan program offered by the United States Department of Veterans Affairs (VA) to help active-duty military personnel, veterans, and eligible surviving spouses purchase or refinance a home. o be eligible for a VA home loan, you must have served at least 90 consecutive days of active duty during wartime or 181 days of active duty during peacetime, or have served at least six years in the National Guard or Reserves. Find Out More What is a DSCR loan? DSCR stands for Debt Service Coverage Ratio, which is...

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- Published: 2025-03-13
- Modified: 2025-06-09
- URL: https://wegetitclosed.com/community-advantage/

Community AdvantageCensus Tract Specialty Loan ProgramAmazing Rates For Qualified PropertiesAmerican Mortgage Services is proud to offer our Community Advantage Loan program. This unique program allows home buyers and owners the ability to secure a home loan (purchase or refinance) with some excellent features and simple qualifications for loan amounts up to $647,200. 00. Loan Features No Money Down No Mortgage Insurance (PMI) No Points No Origination Fee Requirements 1 Unit Single Family Home Primary Residence 640 Credit Score Majority Minority Census Track Find Out More Regarding The Community Advantage Program! Be sure to select your region you are interested in! Step 1 of 2 50% Name(Required) First Last Email(Required) Phone(Required)What region are you interested in? (Required)Select Your AreaTampaTallahasseeJacksonvilleWhat type loan are you interested in? (Required) Purchase Refinance Is there something particular you would like to also tell us about your loan requirement? Name Verification Please provide your name a second time to reduce spam. Submission of your information provides consent to contact you. Name First Last /* { mutations. forEach( ( mutation ) => { if ( mutation. type === 'attributes' && visibilityTestDiv. offsetParent ! == null ) { debouncedTriggerPostRender; observer. disconnect; } }); }); observer. observe( document. body, { attributes: true, childList: false, subtree: true, attributeFilter: , }); } else { triggerPostRender; } } );} ); /* ]]> */ Property Location QualificationsAmerican Mortgage Services can offer this amazing program to specific zip code locations throughout Florida. Due to the exclusivity of the Community Advantage Program it is available to the Jacksonville, Tallahassee, and Tampa Bay areas. Jacksonville AreaDuval County Clay County Tallahassee AreaJefferson County Leon County Wakulla County Gadsden County Tampa AreaHillsborough County Pinellas County Pasco County Why Choose Us? Experience – We put our 40+ years of combined experience in the Mortgage industry to work for YOU! Loan Programs – We have more loan options available than banks, credit unions and most direct lenders. Low Rates – We shop our expansive book of lenders to find the best rate for your unique needs! Fees – As a wholesale mortgage broker, we are able to charge less fees than most competitors. Communication – Our knowledgeable team members are easily accessible to answer your questions and to update you and your realtor throughout the process of your loan.

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- Published: 2025-03-09
- Modified: 2025-08-07
- URL: https://wegetitclosed.com/mortgage-calculators/fha-calculator/

FHA CalculatorAmerican Mortgage wants everyone to be able to see how affordable a mortgage can be compared to renting. Feel free to use our Mortgage Calculator to see what your potential payments could look like. Purchase Price $ Mortgage Term 30 Years 25 Years 20 Years 15 Years 10 Years 5 Years Down Payment ($) 5% Annual Taxes ($) 1% Interest Rate (%) 5% Annual Insurance $ Monthly HOA $ Want a Copy of the Results? $1421 Monthly FHA Payment Principal & Interest $1421 Monthly Taxes $1421 Monthly HOA $1421 Monthly Insurance $1421 Up-Front MIP (1. 75%)$0 Monthly Mortgage Insurance $0 This calculation is an estimate and your actual payments, rates and terms will vary. *Mortgage payment amounts are subject to credit approval and qualification please read the American Mortgage Services Disclaimer Statement for additional information. American Mortgage Services hopes this calculator helps you in your mortgage decision process. Click Here To View More FHA InfoWhy Choose Us? Experience – We put our 40+ years of combined experience in the Mortgage industry to work for YOU! Loan Programs – We have more loan options available than banks, credit unions and most direct lenders. Low Rates – We shop our expansive book of lenders to find the best rate for your unique needs! Fees – As a wholesale mortgage broker, we are able to charge less fees than most competitors. Communication – Our knowledgeable team members are easily accessible to answer your questions and to update you and your realtor throughout the process of your loan.

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- Published: 2025-03-09
- Modified: 2025-06-09
- URL: https://wegetitclosed.com/programs/fha/fha-thank-you/

FHA LoansOptimal Choice for First Time Buyers. FHA Home Loan Submission{Name (First):1. 3}, Thank you for submitting your information for a {VA_Loan_Type:10} mortgage option through our FHA backed home loan program. A member of the American Mortgage Services Staff will be in contact with you soon to discuss additional details. If you would like to also call us directly, please call (888) 838-9330 to speak with us. American Mortgage Services, Inc. is not affiliated or endorsed by the government or the Federal Housing Administration (FHA). Questions? Contact Us! Step 1 of 2 50% Name(Required) First Last Email(Required) Phone(Required)How can we help you today? (Required) Name Verification Please provide your name a second time to reduce spam. Submission of your information provides consent to contact you. Name First Last /* { mutations. forEach( ( mutation ) => { if ( mutation. type === 'attributes' && visibilityTestDiv. offsetParent ! == null ) { debouncedTriggerPostRender; observer. disconnect; } }); }); observer. observe( document. body, { attributes: true, childList: false, subtree: true, attributeFilter: , }); } else { triggerPostRender; } } );} ); /* ]]> */ Is It Right For You? FHA loans are partially insured by the government, which reduces a lender’s risk and makes qualifying for the loan simpler. That means you may be able to make that purchase investment much sooner than you hoped. We’re here to make the FHA home loan process easier, with tools and knowledge that will help guide you along the way. Low Credit Scores OkayCo-Borrowers AllowedHigher Debt to Income AllowedDown Payment AssistanceWhy Choose AMS? Experience – We put our 40+ years of combined experience in the Mortgage industry to work for YOU! Loan Programs – We have more loan options available than banks, credit unions and most direct lenders. Low Rates – We shop our expansive book of lenders to find the best rate for your unique needs! Fees – As a wholesale mortgage broker, we are able to charge less fees than most competitors. Communication – Our knowledgeable team members are easily accessible to answer your questions and to update you and your realtor throughout the process of your loan.

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- Published: 2025-03-08
- Modified: 2025-08-01
- URL: https://wegetitclosed.com/the-team/

Meet The TeamAmerican Mortgage is Here to HelpA Few Words About The CompanyAmerican Mortgage Services is an independent mortgage broker, offering more loan programs with fewer restrictions than banks and credit unions. We rarely charge lender fees on FHA, VA, USDA, and Conventional loans. We specialize in renovation loans such as the FHA 203K and the Fannie Mae Homestyle. We close the loans that other lenders cannot, and we close the majority of our loans in less than 30 days. We pride ourselves in closing loans on time and keeping our realtors and buyers updated and well-informed throughout the closing process. We do not operate by banker's hours; we are here to answer our clients' calls and questions 24/7. We don’t just get your loan approved, we get it closed! Clayton HeitlerOwnerClay Heitler (NMLS #372592) is the President and Founder of American Mortgage Services, Inc. Clay Heitler has owned and operated Tampa-based Affordable Home Mortgage (now American Mortgage Services) since 1999. Clay was born and raised in Baton Rouge, LA, and relocated to Florida in the early 90’s. Clay graduated from University of South Florida in 1993 and is still an avid Bulls fan! Clay is an active member of Tampa Bay society and is the friendliest person you will ever meet! 813. 789. 9660 Shannon RobinsonOperations ManagerShannon is a returning employee that moved back to Tampa in the beginning of 2021. She brings 15 years of management experience to the team and loves her job! Shannon holds a degree in Business Administration, Summa Cum Laude, and currently lives in the north Tampa with her husband and two children. JoAnne PattonProcessor / NMLS #342684JoAnne has been serving mortgage needs in the Tampa Bay area for the past 30 years. With her knowledge and experience, she is committed to providing excellent service from application to closing. In her free time, she loves spending time with her husband and two boys, RV’ing and playing tennis. Lindsey RandallProcessorLindsey Randall has been serving as a Loan Processor since March 2021. Lindsey processed loans right out of college in 2003 and rejoined the AMS team in 2021. She has a background in finance and working closely with Real Estate Agents. She loves helping borrower’s get to the closing table. Lindsey graduated from the University of Mississippi in Finance and Management. Outside of processing, you can find Lindsey enjoying time with her family. She loves God,...

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- Published: 2025-03-06
- Modified: 2025-06-09
- URL: https://wegetitclosed.com/programs/conventional-loans/conventional-loans-thank-you/

Conventional LoansFlexible Loans To Fit Your NeedsConventional Loan Submission{Name (First):1. 3}, Thank you for submitting your information for a {Conv_Loan_Type:10} mortgage option through our Conventional home loan program. A member of the American Mortgage Services Staff will be in contact with you soon to discuss additional details. If you would like to also call us directly, please call (888) 838-9330 to speak with us. Questions? Contact Us! Step 1 of 2 50% Name(Required) First Last Email(Required) Phone(Required)How can we help you today? (Required) Name Verification Please provide your name a second time to reduce spam. Submission of your information provides consent to contact you. Name First Last /* { mutations. forEach( ( mutation ) => { if ( mutation. type === 'attributes' && visibilityTestDiv. offsetParent ! == null ) { debouncedTriggerPostRender; observer. disconnect; } }); }); observer. observe( document. body, { attributes: true, childList: false, subtree: true, attributeFilter: , }); } else { triggerPostRender; } } );} ); /* ]]> */ Why Choose AMS? Experience – We put our 40+ years of combined experience in the Mortgage industry to work for YOU! Loan Programs – We have more loan options available than banks, credit unions and most direct lenders. Low Rates – We shop our expansive book of lenders to find the best rate for your unique needs! Fees – As a wholesale mortgage broker, we are able to charge less fees than most competitors. Communication – Our knowledgeable team members are easily accessible to answer your questions and to update you and your realtor throughout the process of your loan.

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- Published: 2025-03-05
- Modified: 2025-06-09
- URL: https://wegetitclosed.com/mortgage-calculators/refinance-calculator/

Refinance CalculatorRefinance your home loan with American Mortgage Services and see how you can reduce your monthly expenses and save money. Our Refinance Mortgage Calculator allows you to see what your potential payments could look like. Current Loan Amount $ Interest Rate % Current Term months Origination Year New Loan Amount $ New Interest Rate % New Loan Term months Refinance Fees $ Want a Copy of the Results? Refinancing could save you $/month New monthly payment $ Refinance fees $ Lifetime Savings $ This calculation is an estimate and your actual payments, rates and terms will vary. *Mortgage payment amounts are subject to credit approval and qualification please read the American Mortgage Services Disclaimer Statement for additional information. American Mortgage Services hopes this calculator helps you in your mortgage decision process. Why Choose Us? Experience – We put our 40+ years of combined experience in the Mortgage industry to work for YOU! Loan Programs – We have more loan options available than banks, credit unions and most direct lenders. Low Rates – We shop our expansive book of lenders to find the best rate for your unique needs! Fees – As a wholesale mortgage broker, we are able to charge less fees than most competitors. Communication – Our knowledgeable team members are easily accessible to answer your questions and to update you and your realtor throughout the process of your loan.

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- Published: 2025-03-05
- Modified: 2025-06-09
- URL: https://wegetitclosed.com/mortgage-calculators/affordability-calculator/

Affordability CalculatorTrying to see how much you can afford for your home? American Mortgage Services is here to help you see just how affordable home ownership can be. Use our Affordability Calculator to see what your potential payments could look like. Annual Income $ Monthly Debts $ Estimated annual property taxes $ Estimated Annual Home Insurance $ Down Payment $ Interest Rate % Loan Term 30 year fixed 15 year fixed Want a Copy of the Results? You can afford up to $ Monthly Payment $ Principal & Interest $ Tax $ Insurance $ This calculation is an estimate and your actual payments, rates and terms will vary. *Mortgage payment amounts are subject to credit approval and qualification please read the American Mortgage Services Disclaimer Statement for additional information. American Mortgage Services hopes this calculator helps you in your mortgage decision process. Why Choose Us? Experience – We put our 40+ years of combined experience in the Mortgage industry to work for YOU! Loan Programs – We have more loan options available than banks, credit unions and most direct lenders. Low Rates – We shop our expansive book of lenders to find the best rate for your unique needs! Fees – As a wholesale mortgage broker, we are able to charge less fees than most competitors. Communication – Our knowledgeable team members are easily accessible to answer your questions and to update you and your realtor throughout the process of your loan.

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- Published: 2024-08-14
- Modified: 2025-05-08
- URL: https://wegetitclosed.com/lp/thank-you-va-refinance/

Call Us! 813-696-6637Contact American Mortgage Services For your VA Home Refinance today! (888) 838-9330Thank you! Your information was submitted for a VA Home Refinance with American Mortgage Services. {Name (First):1. 3}, A member of the American Mortgage Services Staff will be in contact with you soon to discuss additional details. If you would like to also call us directly, please call (888) 838-9330 to speak with us. (888) 838-9330Thank you! Your information was submitted for a VA Home Refinance with American Mortgage Services. {Name (First):1. 3}, A member of the American Mortgage Services Staff will be in contact with you soon to discuss additional details. If you would like to also call us directly, please call 813-696-6637 to speak with us. Call Now 813-696-6637Do You Have Questions? Contact Us! Step 1 of 2 50% Name(Required) First Last Email(Required) Phone(Required)How can we help you today? (Required) Name Verification Please provide your name a second time to reduce spam. Submission of your information provides consent to contact you. Name First Last /* { mutations. forEach( ( mutation ) => { if ( mutation. type === 'attributes' && visibilityTestDiv. offsetParent ! == null ) { debouncedTriggerPostRender; observer. disconnect; } }); }); observer. observe( document. body, { attributes: true, childList: false, subtree: true, attributeFilter: , }); } else { triggerPostRender; } } );} ); /* ]]> */ The contents within the website are presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. American Mortgage Services, Inc. NMLS# 259805 NMLS Consumer Access American Mortgage Services, Inc. Licensed in AL, FL, GA, LA, MI, & TN The contents within the website are presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. American Mortgage Services, Inc. NMLS# 259805 NMLS Consumer Access American Mortgage Services, Inc. Licensed in AL, FL, GA, LA, MI, & TN © Copyright 2025 American Mortgage Services, Inc • All Rights Reserved • Site by CICOR Marketing

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- Published: 2023-05-21
- Modified: 2025-10-30
- URL: https://wegetitclosed.com/self-employed-programs/

Self Employed ProgramsFind the right program for youPurchase ProgramsFinding the right type of program that meets your needs can be overwhelming. You need to compare different loan products, rates, down-payment requirements, and eligibility requirements so you can make an informed decision about a major purchase. American Mortgage Services makes things easier by providing key information on a variety of loan products you need up front. Whether you're a first time homebuyer, real estate investor, or looking to buy a second home, choose from a variety of home loan products designed for your particular situation. At American Mortgage Services, We pride ourselves keeping our Realtors and buyers updated and well-informed throughout the closing process. We do not operate by banker's hours; we are here to answer our clients calls and questions 24/7. We get it closed! What We OfferBank Statement (12 or 24 months) P&L Only Program 1 Year Tax Return ProgramWhy Choose Us? Experience – We put our 40+ years of combined experience in the Mortgage industry to work for YOU! Loan Programs – We have more loan options available than banks, credit unions and most direct lenders. Low Rates – We shop our expansive book of lenders to find the best rate for your unique needs! Fees – As a wholesale mortgage broker, we are able to charge less fees than most competitors. Communication – Our knowledgeable team members are easily accessible to answer your questions and to update you and your realtor throughout the process of your loan. American Mortgage Services, Inc. 4. 8Based on 105 reviewspowered by Googlereview us onJim Norris19:41 06 Mar 25Everyone we worked with was pleasant, concise, considerate, and efficient. It was a pleasure to work with American Mortgage Services. Jim Norris19:41 06 Mar 25Everyone we worked with was pleasant, concise, considerate, and efficient. It was a pleasure to work with American Mortgage Services. John Lewis20:34 12 Feb 25Mellissa, Alexis and everyone at American Mortgage Services was a great help through the whole process! John Lewis20:34 12 Feb 25Mellissa, Alexis and everyone at American Mortgage Services was a great help through the whole process! Diego Perilla18:38 09 Feb 25The superseded our expectations, very detailed oriented and quickly updating us on the application. Irisley Tejada and Dennis Gagnon were instrumental in the approval processDiego Perilla18:38 09 Feb 25The superseded our expectations, very detailed oriented and quickly updating us on the application. Irisley Tejada and Dennis...

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- Published: 2023-05-20
- Modified: 2025-10-30
- URL: https://wegetitclosed.com/specialty-programs/

Specialty ProgramsFind the right program for youSpecialty ProgramsFinding the right type of program that meets your needs can be overwhelming. You need to compare different loan products, rates, down-payment requirements, and eligibility requirements so you can make an informed decision about a major purchase. American Mortgage makes things easier by providing key information on a variety of loan products you need up front. Whether you're a first time homebuyer, real estate investor, or looking to buy a second home, choose from a variety of home loan products designed for your particular situation. At AMS, We pride ourselves keeping our Realtors and buyers updated and well-informed throughout the closing process. We do not operate by banker's hours; we are here to answer our clients calls and questions 24/7. We get it closed! *These products may have a higher interest rate, more points or more fees than other products requiring documentation. What We Offer at AMSReverse MortgagesJumbo1099 Only Program Foreign Nationals Written Verification of Employment Only Program 1 Year Tax Return ProgramShort term investment 84 Month Asset Depletion Why Choose Us? Experience – We put our 40+ years of combined experience in the Mortgage industry to work for YOU! Loan Programs – We have more loan options available than banks, credit unions and most direct lenders. Low Rates – We shop our expansive book of lenders to find the best rate for your unique needs! Fees – As a wholesale mortgage broker, we are able to charge less fees than most competitors. Communication – Our knowledgeable team members are easily accessible to answer your questions and to update you and your realtor throughout the process of your loan. American Mortgage Services, Inc. 4. 8Based on 105 reviewspowered by Googlereview us onJim Norris19:41 06 Mar 25Everyone we worked with was pleasant, concise, considerate, and efficient. It was a pleasure to work with American Mortgage Services. Jim Norris19:41 06 Mar 25Everyone we worked with was pleasant, concise, considerate, and efficient. It was a pleasure to work with American Mortgage Services. John Lewis20:34 12 Feb 25Mellissa, Alexis and everyone at American Mortgage Services was a great help through the whole process! John Lewis20:34 12 Feb 25Mellissa, Alexis and everyone at American Mortgage Services was a great help through the whole process! Diego Perilla18:38 09 Feb 25The superseded our expectations, very detailed oriented and quickly updating us on the application. Irisley Tejada and Dennis Gagnon were...

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- Published: 2023-05-19
- Modified: 2025-06-13
- URL: https://wegetitclosed.com/reverse-mortgages/

Reverse MortgagesHere To Support Your NeedsHow a Reverse Mortgage Can Help YouIf you’re 62 or older, you may consider a reverse mortgage for your home. It allows you to convert part of the equity in your home into cash without having to sell your home or pay additional monthly bills. If you do decide to look for a reverse mortgage option, review the different types of reverse mortgages and comparison shop before you decide on a particular company. There are three kinds of reverse mortgages: Single purpose reverse mortgages – offered by some state and local government agencies, as well as non-profits Proprietary reverse mortgages – private loans Federally insured reverse mortgages, also known as Home Equity Conversion Mortgages (HECMs). Read on to learn more about how reverse mortgages work, qualifying for a reverse mortgage, getting the best deal for you, and how to report any fraud you might see. Do You Want To know Reverse Mortgage Requirements? Find Out More Today! Step 1 of 2 50% Name(Required) First Last Email(Required) Phone(Required)How can we help you today? (Required) Name VerificationPlease provide your name a second time to reduce spam. Submission of your information provides consent to contact you. Name First Last /* { mutations. forEach( ( mutation ) => { if ( mutation. type === 'attributes' && visibilityTestDiv. offsetParent ! == null ) { debouncedTriggerPostRender; observer. disconnect; } }); }); observer. observe( document. body, { attributes: true, childList: false, subtree: true, attributeFilter: , }); } else { triggerPostRender; } } );} ); /* ]]> */ How do Reverse Mortgages Work? When you have a regular mortgage, you pay the lender every month to buy your home over time. In a reverse mortgage, you get a loan in which the lender pays you. Reverse mortgages take a portion of the equity in your home and convert it into payments to you – a kind of advance payment on your home equity. The money you get usually is tax-free. Generally, you don’t have to pay back the money for as long as you live in your home. When you die, sell your home, or move out, then you, your spouse, or your estate would repay the loan. Sometimes that means selling the home to get money to repay the loan. The money you get usually is not taxable, and it generally won’t affect your Social Security or Medicare benefits. When the last...

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- Published: 2023-05-17
- Modified: 2025-08-07
- URL: https://wegetitclosed.com/refinance-programs/

Refinance ProgramsFind the right program for youRefinance ProgramsFinding the right type of program that meets your needs can be overwhelming. You need to compare different loan products, rates, down-payment requirements, and eligibility requirements so you can make an informed decision about a major purchase. American Mortgage makes things easier by providing key information on a variety of loan products you need up front. Whether you’re a first time homebuyer, real estate investor, or looking to buy a second home, choose from a variety of home loan products designed for your particular situation. At AMS, We pride ourselves keeping our Realtors and buyers updated and well-informed throughout the closing process. We do not operate by banker’s hours; we are here to answer our clients calls and questions 24/7. We get it closed! What We Offer at AMS We offer Streamline refi’s (FHA, VA, USDA) Rate / Term or Cash Out IRRRL’s (VA) for rate / term We offer refinances for all the programs listedStreamline RefinancesAt AMS a streamline refinance is available to homeowners who already have insured mortgages. To qualify for a streamline refinance the borrower must show there will be a net tangible benefit to doing so. The program offers a lower-hassle way to refinance the mortgage, including not requiring an appraisal. The borrower cannot be delinquent on their current mortgage and no more than $500 can be taken out of the refinance mortgage. Rate / Term RefinanceA rate and term refinance is a type of refinancing that allows you to change the terms of your current loan and replace them with terms that are more favorable for you. You get a new loan, pay off your old mortgage and then make payments toward your new loan when you refinance. A rate and term refinance can give you more or less time to pay off your loan, a lower interest rate or a different monthly payment. Some lenders refer to rate and term refinances as regular refinances. Cash Out RefinanceCash-out refinancing replaces your current home loan with a bigger mortgage, allowing you to take advantage of the equity you’ve built up in your home and access the difference between the two mortgages (your current one and the new one) in cash. The cash can go toward virtually any purpose, such as home remodeling, consolidating high-interest debt or other financial goals. IRRRL's (VA)A VA IRRRL is a mortgage refinance option for...

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## Posts

- Published: 2025-11-07
- Modified: 2025-10-31
- URL: https://wegetitclosed.com/how-to-use-dscr-loans-to-grow-your-rental-portfolio-in-florida/
- Categories: DSCR Loans, Uncategorized

How to Use DSCR Loans to Grow Your Rental Portfolio in Florida Expanding your rental portfolio requires strategy, smart financing, and an understanding of how to maximize property cash flow. Florida investors can leverage DSCR loans to acquire multiple properties, refinance existing investments, and increase rental income efficiently. At American Mortgage Services, we guide investors through strategies that make each property acquisition work harder and accelerate long-term portfolio growth. Identify High-Potential Properties Portfolio growth starts with identifying properties that align with your investment goals. Consider: High-demand rental areas with strong occupancy rates Properties that allow flexible rental strategies such as Airbnb or short-term leases Multi-unit properties or duplexes to maximize rental income per acquisition Locations with consistent market appreciation potential Focusing on properties that generate strong cash flow ensures each new acquisition supports further portfolio expansion. Leverage Existing Properties for Expansion Investors can use DSCR loans to unlock the equity of current rental properties. Strategies include: Refinancing existing properties for cash-out to fund new acquisitions Reinvesting rental income to support additional loans without relying on personal income Structuring financing under LLCs or corporations to streamline multiple property management This approach allows you to scale more quickly while keeping debt manageable and tied to property performance. Optimize Portfolio Cash Flow Strong cash flow across your properties improves borrowing capacity and long-term returns. Key tactics include: Reviewing rental rates regularly to ensure competitiveness Minimizing operating expenses without compromising tenant satisfaction Implementing short-term rental strategies where permitted to increase revenue Maintaining proactive property management to reduce vacancies and turnover costs Healthy cash flow supports higher DSCR ratios, enabling faster approvals for additional investment financing. Plan Multi-Property Acquisitions Strategically When growing a portfolio, timing and sequence of acquisitions matter: Prioritize properties that complement existing assets in terms of location, tenant profile, or rental strategy Consider financing multiple properties simultaneously if cash flow projections support it Use refinances strategically to free capital for higher-value or higher-yield investments Build a diversified portfolio to mitigate market fluctuations and seasonal occupancy changes Strategic planning ensures that each new acquisition strengthens the overall portfolio rather than increasing risk. Maintain Flexibility for Scaling DSCR loans provide flexibility for investors looking to scale quickly. To maximize growth potential: Keep an organized financial overview of all properties for quick decision-making Monitor DSCR ratios regularly to identify when new acquisitions are feasible Work with a lending partner familiar with investor-focused financing to identify...

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- Published: 2025-11-05
- Modified: 2025-10-31
- URL: https://wegetitclosed.com/dscr-loans-vs-conventional-mortgages-which-one-fits-your/
- Categories: DSCR Loans, Standard Home Loans, Uncategorized

DSCR Loans vs Conventional Mortgages: Which One Fits Your Investment Strategy? Choosing the right type of financing is one of the most important decisions for any real estate investor. The loan you select can impact your cash flow, approval timeline, and long-term investment growth. Two of the most common options are DSCR loans and conventional mortgages. While both can help you acquire property, they are designed for very different purposes. Understanding how each works will help you decide which one best supports your investment goals. At American Mortgage Services, we specialize in helping investors choose smart financing solutions that align with their strategies. Understanding DSCR Loans A DSCR loan (Debt Service Coverage Ratio loan) is designed specifically for real estate investors. Instead of relying on your personal income or employment verification, this loan focuses on your property’s ability to generate income. Key Benefits of DSCR Loans DSCR loans offer flexibility and speed that many investors value. When you apply through American Mortgage Services, you gain advantages such as: No income or job history required Qualification based on property cash flow only Down payments starting at twenty percent Loan amounts up to five million dollars Short term rental income such as Airbnb allowed Interest only payment options available Unlimited cash out refinancing Non warrantable condo investments accepted Close under an LLC or corporation Credit scores starting at six hundred forty For investors who own multiple properties or prefer less documentation, a DSCR loan provides a faster, simpler path to financing. Understanding Conventional Mortgages A conventional mortgage is the traditional form of home financing that most borrowers use to purchase a primary residence or second home. These loans are typically backed by Fannie Mae or Freddie Mac and have strict qualification guidelines. To qualify for a conventional mortgage, borrowers must verify: Personal income through pay stubs or tax returns Stable employment history Good credit score, typically six hundred eighty or higher Low debt to income ratio (DTI) Assets and reserves for down payment and closing costs These loans work well for homebuyers with consistent income and credit profiles but can be restrictive for investors or self-employed professionals. Key Benefits of Conventional Mortgages Lower interest rates compared to non-QM loans Ideal for primary or second homes Longer repayment terms and fixed-rate stability Accessible to borrowers with strong W-2 income However, conventional mortgages often limit the number of properties you can finance and require...

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- Published: 2025-11-03
- Modified: 2025-10-31
- URL: https://wegetitclosed.com/how-to-qualify-for-a-dscr-loan-tips-for-real-estate-investors/
- Categories: DSCR Loans, Uncategorized

How to Qualify for a DSCR Loan: Tips for Real Estate Investors When you are ready to grow your real estate portfolio, access to smart financing can make all the difference. Traditional mortgage loans require extensive documentation, income verification, and lengthy approval times. For real estate investors, this process can be limiting. That is where a DSCR loan comes in. At American Mortgage Services, we specialize in Florida DSCR loans that make real estate investing more accessible, flexible, and efficient. Instead of qualifying based on personal income, you qualify based on your property’s income potential. Why Real Estate Investors Choose DSCR Loans DSCR loans are designed with investors in mind. They remove the hurdles of conventional financing and focus entirely on property performance. When you apply through American Mortgage Services, you can take advantage of benefits such as: No income or job history required Qualification based on property cash flow only Loan amounts up to five million dollars Down payments starting at twenty percent Short term rental income such as Airbnb allowed Interest only payment options available Close under an LLC or corporation Unlimited cash out refinancing Credit scores starting at six hundred forty This makes DSCR loans one of the most accessible and flexible financing tools for real estate investors in Florida. Step One: Understand Your DSCR Ratio Your DSCR ratio determines whether you qualify for a loan and what terms you may receive. The higher the ratio, the stronger your property’s financial performance. A DSCR of one means your property earns just enough to cover the loan payment. Most lenders prefer a DSCR between one point one and one point two five for better stability. If your DSCR is below one, it means your property does not fully cover its debt payments, but there are strategies to improve it before applying. Example of a DSCR Calculation Suppose your rental property earns thirty six thousand dollars per year and your annual loan payments total thirty thousand. Your DSCR would be thirty six thousand divided by thirty thousand, which equals one point two. That means your property produces twenty percent more income than needed to pay the loan. This is typically considered a healthy DSCR for approval. Step Two: Improve Your DSCR Before Applying A strong DSCR helps you qualify for better terms. Here are a few ways to improve your ratio before applying: Increase rental income: Adjust rent or...

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- Published: 2025-10-31
- Modified: 2025-10-31
- URL: https://wegetitclosed.com/what-is-a-dscr-loan-2/
- Categories: DSCR Loans, Uncategorized

A Smarter Way to Finance Your Florida Investment Property When it comes to real estate investing, finding the right financing can make all the difference. Traditional mortgages often involve strict income verification, tax documentation, and a long approval process. But what if you could qualify for a loan based on your property’s income potential instead of your personal income? That is exactly what a DSCR loan offers. At American Mortgage Services, we specialize in Florida DSCR loans designed for investors who want flexibility, faster approvals, and a simpler way to expand their rental portfolios. Understanding the DSCR Concept DSCR stands for Debt Service Coverage Ratio, a financial metric that measures how well your rental income covers your loan payments. The formula is simple: DSCR equals Net Operating Income divided by Total Debt Payments. If your DSCR is one or higher, your property generates enough income to cover its mortgage payments. The higher the ratio, the stronger your cash flow and the better your financing options. Unlike conventional mortgages that focus on your job history, income, or tax returns, a DSCR loan focuses on the property’s income performance. This makes it ideal for investors, self-employed professionals, and entrepreneurs whose financial situations do not fit traditional mortgage requirements. How a Florida DSCR Loan Works A Florida DSCR loan allows you to qualify based entirely on the income potential of your investment property. Here is how it generally works: The lender reviews the property’s actual or projected rental income. Operating expenses such as maintenance, insurance, and taxes are subtracted to determine the net operating income. The net operating income is divided by your total annual loan payments to calculate your DSCR. If the ratio meets or exceeds the lender’s minimum requirement, typically between one and one point two five, you may qualify for the loan. This streamlined process eliminates the need for employment verification, tax returns, or income documentation. You can find more information on our Florida DSCR Loan page. DSCR Loans Compared to Conventional Mortgages The difference between a DSCR loan and a conventional mortgage is simple. A DSCR loan focuses on property income, while a conventional mortgage focuses on personal income. With a DSCR loan, there is no employment verification, no tax return requirement, and no personal income calculation. You can close in the name of an LLC or corporation and use the property’s cash flow to qualify. Conventional loans, on...

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> [end]
version: 1.0
last_updated: 2025-08-05
created_by: CICOR Marketing GPT
usage: This LLMS.txt file provides AI content generation guidelines and SEO structure for American Mortgage Services. It is intended for use with AI writing tools, CMS content templates, SEO platforms, and internal marketing teams. 

notes: Ensure all content remains compliant with NMLS guidelines and Equal Housing regulations. Content should emphasize trust, speed, clarity, and support for Florida homebuyers. 

compatible_tools: ChatGPT, Jasper, Surfer SEO, Frase, WordPress AI plugins, Notion AI

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