Mortgage Options Built Around Your Situation
American Mortgage Services helps borrowers compare loan options for buying, building, refinancing, investing, and using VA benefits.
Popular options include: VA, FHA, USDA, Conventional, Jumbo, Construction, DSCR, Bank Statement, and Refinance loans.
Home Purchase Programs
Most buyers start here. These programs cover the most common purchase situations regardless of where you're buying. Depending on your scenario, you may qualify for more than one option.
Start Your Application Buy With Low Money Down 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.
Explore This Option → Credit Challenges: You May Still Qualify 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.
Explore This Option → First-Time Buyer Programs 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.
Explore This Option → Military and VA Loans
We specialize in zero-down options for those who have served, along with rural financing and jumbo programs for larger purchases. Talk with a loan officer about your benefit entitlement and eligibility.
Start Your Application Veterans: Zero Down 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.
Explore VA Benefits → Zero Down in Rural Areas 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.
Check Eligibility → Buying Above the Conforming Limit Financing for high-value properties that exceed conventional loan limits. Ideal for buyers in premium markets. Subject to credit, income, and reserve requirements.
Explore Jumbo Options → Investment and Self-Employed Mortgages
Non-traditional income shouldn't stop you from buying. We work with investors, entrepreneurs, and self-employed borrowers who need flexible qualification paths.
Start Your Application Build Your Rental Portfolio 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.
Explore Investor Options → Qualify on Cash Flow, Not Income 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.
Explore Cash Flow Loans → Self-Employed? Use Your Deposits 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.
Explore Bank Statement Loans → The American Mortgage Services Difference
Licensed across six states and serving borrowers since our founding. NMLS #259805. We deliver wholesale mortgage rates with the personal service of a local team: faster closings, lower costs, and a loan officer who answers the phone.
Construction and Renovation Loans
Building new or buying a fixer-upper? We have programs that finance the construction or renovation alongside the purchase, depending on your scenario and the property type.
Start Your Application Finance Your Custom Build 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.
Talk to a Loan Officer → Buy a Fixer-Upper, Finance the Repairs 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.
Explore Renovation Loans → Build New With Zero Down 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.
Explore VA Construction → Refinance and Equity
Already own a home? You may be able to lower your payment, change your term, or access your equity depending on your current loan balance, rate, and property value.
Start Your Application Lower Your Monthly Payment 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.
Explore Refinance Options → Tap the Equity in Your Home 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.
Explore Equity Options → Lower Your VA Rate Fast 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.
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