Tailored Financing Programs | American Bancshares Loan Options

MORTGAGE LOAN OPTIONS

Check out our loan programs and connect with us to discuss your financing options.

Conventional Loan:

For borrowers with excellent credit, conforming loans are advantageous due to their low interest rates. We offer a variety of conforming mortgage loan products.

Highlights:

No upfront mortgage insurance
No mortgage insurance with 20% down payment or lender paid mortgage insurance
Competitive interest rates
Minimum credit score of 620
Primary, secondary or investment properties
National loan limit of $766,550

Get Pre-Approved

FHA Loan:

FHA is a government agency that was created in 1934 to help facilitate growth in loan opportunities, by allowing an alternative to purchase a home with as little as 3.5% down payment and less than perfect credit.

Highlights:

As little as 3.5% down payment- funds can be a gift from a family member
Less than perfect credit score
Flexible debt to income ratios
Seller contribution to closing cost is allowed

We are an FHA approved lender! Contact us to discuss the details of your financing requirements.

Get Pre-Approved

Jumbo Loan:

Our Jumbo loan products are designed for loan amounts up to 2MM.

Highlights:

Maximum Loan Amount: $2MM
Maximum Loan-to-Value (LTV): 80%
Minimum Fico Score: 680
Investment Properties and Second Home are eligible
15, 20, and 30 year Fixed Rate options
Underwritten in-house
Lock Periods up to 60 days

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VA Loan:

In 1944 the US government created a military loan guarantee program to help qualified service member’s purchase a home.

Highlights:

Zero down payment
No mortgage insurance
Competitive interest rates
Easy qualification criteria

We are a qualified VA Lender. Contact us to discuss the details of your financing requirements.

Get Pre-Approved

USDA Loan:

USDA loans provide low to moderate-income borrowers affordable housing options, must meet certain eligibility guidelines.

Highlights:

Zero down payment
No cash reserves
Finance closing cost
Geared towards Rural Area

We are a USDA guaranteed approved lender. Contact us to discuss the details of your financing requirements.

Get Pre-Approved

Reverse Loan:

Reverse Mortgages works like an annuity and can help you tap into the equity and enjoy a better quality of life through retirement.

Highlights:

Take out your equity now
Eliminate mortgage payments
62 years or older

We offer reverse mortgages to those that are 62 or older. Contact us to discuss the details of your financing requirements.

Get Pre-Approved

About Refinancing Conventional Loan:

Ready to lower your rate? Reduce your term? Or simply take out some cash? We offer conventional rate-term refinance and cash-out refinance.

Highlights:

Maximum loan amount $647,200
LTV restrictions depending on type of refinance
Eliminate PMI if your home has appreciated in value
Cash-out of the property if you have enough equity
Lower your rate
Lower your term
Closing costs can be included into your loan

Get Pre-Approved

About FHA Refinance:

Interested in reducing your rate and term? We offer FHA rate and term refinance as well as streamline refinancing.

Highlights:

Rate term refinance available up to 96.50%
Streamline refinance does not require an appraisal
Cash-out available depending on type of refinance
Closing cost can be included in your loan

American Bancshares Mortgage is an FHA approved direct endorsed mortgage lender. Contact us to discuss the details of your FHA refinance.

Get Pre-Approved

About VA Refinance:

Ready to reduce your rate or loan term? We offer Interest rate reduction loans known as IRRL and cash-out loans as well.

Highlights:

100% cash-out available to qualified borrowers
Interest rate reduction loan options
No cash-out
Limited amount documentation required
Closing cost can be included into the loan

Get Pre-Approved

Our passion for growing communities

We have bridged the gap between technology and years of industry expertise to deliver a simple home financing process to our clients nationwide.

Servicing the community is driven by our core values of commitment, integrity, and transparency. Many of us sat in every chair of the mortgage industry, allowing us to fully understand the business from all aspects. This in-depth knowledge is what enables us to efficiently adapt to industry change, while consistently providing our clients with a first-in-class customer service and a stellar mortgage experience.

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