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Mortgage Loan Programs
Compare mortgage programs across purchase, refinance, and specialty categories. As a wholesale mortgage broker, American Mortgage Services can access programs with more flexibility than many banks.
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.
Ask A QuestionConventional 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.
VA, USDA, and Jumbo Loans
We specialize in zero-down options for those who have served, along with rural financing and jumbo programs for larger purchases.
Ask A QuestionEligible veterans and active-duty service members may qualify for zero-down home financing with no private mortgage insurance.
USDA rural housing programs offer zero-down financing in eligible areas outside major metro zones. Property and income eligibility requirements apply.
Financing for high-value properties that exceed conventional loan limits. Subject to credit, income, and reserve requirements.
Investment and Self-Employed Mortgages
Non-traditional income should not stop you from buying. We work with investors, entrepreneurs, and self-employed borrowers who need flexible qualification paths.
Ask A QuestionFinancing strategies for investors acquiring single-family rentals, duplexes, and small multifamily properties.
Investor loan programs that use the property's rental income to qualify, not your personal tax returns.
Bank statement programs let self-employed borrowers qualify using 12-24 months of deposits instead of tax returns.
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.
Ask A QuestionRate-and-term refinancing may reduce your monthly payment or change your loan structure. Compare scenarios with a loan officer.
Cash-out refinancing and home equity programs may allow you to access accumulated equity in your property.
The VA streamline refinance (IRRRL) is a simplified path for eligible veterans to reduce their existing VA loan rate.
Not sure which program fits your scenario?
Talk with a loan officer. We'll help you compare your options based on your credit, income, property, and goals.
American Mortgage Services — Licensed Mortgage Broker in AL, FL, GA, LA, MI & TN — Equal Housing Lender