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!
Our Programs:
Refinance Programs
Rate / Term or Cash Out
IRRRL’s (VA) for rate/ term
We offer refinances for all the programs listed.
Specialty Programs
- 1099 Only Program
Foreign Nationals
- Written Verification of Employment Only Program
- 1 Year Tax Return Program
Short term investment
- 84 Month Asset Depletion
Purchase Programs
Conventional, FHA (203B), VA, USDA, and Jumbo
Freddie Mac Home Possible & HomeReady
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
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.