Loan Programs

Offering Many Options to Suit Your Needs

American Mortgage is Here to Help

Finding 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 Here
Loan Options

Our 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

Purchase Programs

Self Employed Programs

  • Bank Statement (12 or 24 months)
  • 1 Year Tax Return Program

  • P&L Only Program

Renovation 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

Specialty Programs

Purchase Programs

Self Employed Programs

Renovation Programs

American Mortgage Loans

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.
Tyler HaldaneTyler Haldane
23:11 22 Jun 22
Highly recommend American Mortgage Services!! Clay and his team are the best. Extremely prompt response time and by far the best rate we were offered.
John SchmidtJohn Schmidt
21:05 20 Jun 22
What an amazing experience I had with the loan process! I just closed on a beach condo and they made it happen in only 20 business days! If you know anything about loans and investment properties, especially condos, you know it can be a long and tough process, but they got it done! Will definitely use them for my next investment property and any future real estate purchases.
Nicole ReedNicole Reed
02:09 14 Jun 22
Lindsey was absolutely phenomenal! She & the AMS team definitely know how to get a deal closed & closed quickly! Very happy with our experience with AMS. Highly recommend!
Paul BilyeuPaul Bilyeu
14:41 13 Jun 22
The whole team at American Mortgage Services in Tampa was fantastic. They were always available to answer questions and always willing to hand-hold during the anxious times. A great experience all-around.
alice monteleonealice monteleone
12:19 09 Jun 22
JB and his whole team were so great!! Everything from the beginning to the end went smoothly!! The whole team was always on top of all conversations and any issues that came up were fixed immediately! We actually closed 4 days sooner then expected! I would 10000 percent recommend!!
Shawn RigneyShawn Rigney
21:37 08 Feb 22
I'm a realtor and I work with Shaun Mathena regularly. He is hands down one of the most attentive and involved mortgage professionals to date.Overhwlming amount of success with his programs and his communication is well above his competitors in the field.Thanks for being an amazing partner and even more importantly, thanks for ensuring the client is taken care of in all aspects of service.Shawn Rigney
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