American Mortgage Services

Conventional financing starting at 3% down for qualified buyers. Ideal if you have solid credit and want to keep more cash in your pocket after closing.

Government-backed financing with flexible credit guidelines and low down payment requirements. Many buyers with less-than-perfect credit may qualify. Talk with a loan officer about your situation.

Down payment assistance programs and first-time buyer loan options may be available depending on your state, income, and purchase price. Subject to program availability, income limits, and lender guidelines.

Eligible veterans and active-duty service members may qualify for zero-down home financing with no private mortgage insurance. Talk with a loan officer about your VA benefit entitlement.

USDA rural housing programs offer zero-down financing in eligible areas outside major metro zones. Property and income eligibility requirements apply. Ask us if your target area qualifies.

Financing for high-value properties that exceed conventional loan limits. Ideal for buyers in premium markets. Subject to credit, income, and reserve requirements.

Financing strategies for investors acquiring single-family rentals, duplexes, and small multifamily properties. Talk with a loan officer about leverage options based on your portfolio and goals.

Investor loan programs that use the property's rental income to qualify, not your personal tax returns. Subject to DSCR minimums, property type, and lender program guidelines.

Bank statement programs let self-employed borrowers qualify using 12-24 months of business or personal deposits instead of tax returns. Subject to credit and lender program guidelines.

Construction loan programs that fund your custom build in stages as the work progresses. Talk with a loan officer about lot ownership, builder approval, and draw schedules that fit your project.

Renovation loan programs combine the home purchase price and estimated repair costs into a single loan. Depending on your scenario, this may allow you to buy and improve a property with one closing.

Eligible veterans may be able to combine VA benefits with new construction financing. Subject to builder approval, VA entitlement, and lender program availability. Speak with a loan officer about your options.

Rate-and-term refinancing may reduce your monthly payment or change your loan structure. Savings depend on your current rate, remaining balance, and closing costs. Compare scenarios with a loan officer.

Cash-out refinancing and home equity programs may allow you to access accumulated equity in your property. Subject to available equity, credit, income, and lender guidelines.

The VA streamline refinance (IRRRL) is a simplified path for eligible veterans to reduce their existing VA loan rate with minimal documentation. Subject to VA program eligibility and lender guidelines.