Home Purchase Programs

If you’re like most people, purchasing a home is probably one of the biggest investments you’ll make in your lifetime.  As experienced loan officers we have the knowledge and expertise you need to explore the many mortgage options available and we are committed to ensuring that you make the best choice for you and your families unique needs.

Click on each loan product to learn additional information on the different mortgage loan products available for home buyers.

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Jumbo Home Loans

Jumbo loans, as indicated by their name, are larger than conventional mortgages and classified as non-conforming.

Jumbo loans are designed for borrowers looking to purchase a home over $417,000 with a low down payment and flexible loan terms.

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WHEDA Home Loans

WHEDA loans provide low-cost, fixed rate mortgages to individuals and families to purchase a home.

Paired with down payment and closing cost assistance, WHEDA offers more advantages than any other loan program.

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Conventional Home Loans

Today, about 35-50% of all mortgages, depending on market conditions and consumer trends.

Conventional loans are a premier program for well qualified borrowers to purchase a home with as little as 5% down and no monthly mortgage insurance!

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FHA Home Loans

A mortgage issued by federally qualified lenders and insured by the Federal Housing Administration (FHA).

FHA loans are designed for low to moderate income borrowers who are unable to make a large down payment, or borrowers with less-than-perfect credit.

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VA Home Loans

A mortgage loan program established by the U.S. Department of Veterans Affairs to help veterans and their families obtain home financing.

VA loans allow qualified borrowers the ability to purchase a home with 0% down, no monthly mortgage insurance and potentially no out-of-picket costs!

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USDA Home Loans

A mortgage loan program established by the U.S. Department of Agriculture to assists low- and moderate-income rural Americans in achieving home ownership.

USDA mortgages stand alone as the only zero money down program available to borrowers that have not served in the military.

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Construction Loans

Construction loans are loans borrowed to finance the construction of a home and typically only interest is paid during the construction period.

As a premier lender, American Mortgage & Equity Consultants, Inc. is able to offer construction loans starting a 5% down!

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Considering Buying a Home?

See how easy home ownership can be with my fast and easy pre-approval process!

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Home Refinance Programs

So you’re interested in finding out what all this talk is about low interest rates? Could I lower my monthly payment? Could it be worth it?  There are many different reasons why people decide to refinance their existing mortgage.

Refinancing your mortgage is a way to potentially lower your interest rate and monthly mortgage payment, switch to a fixed-rate loan or use a portion of the available equity in your home to finance major expenses.

Click on each loan product to learn additional information on the different mortgage loan products available for existing home owners looking to refinance.

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Home Affordable Refinance Program

If you’re not behind on your mortgage payments but have been unable to get traditional refinancing because the value of your home has declined, you may be eligible to refinance through the Home Affordable Refinance Program (HARP).

HARP is designed to help you get a new, more affordable, more stable mortgage.

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FHA Streamline Refinance

The FHA Streamline Refinance program is a specialized mortgage program for existing FHA mortgages.

The term “streamline” in regards to FHA refinance mortgages refers to the ability to reduce your interest rate on your current home, oftentimes without an appraisal and reduced paperwork required by the lender.

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VA Interest Rate Reduction Refinance Loan

The U.S. Department of Veterans Affairs’ Interest Rate Reduction Refinance Loan (IRRRL) helps homeowners refinance their existing VA loans to a lower interest rate loan or to a fixed-rate loan (from an adjustable-rate loan).

The goal of the program is to help lower homeowners’ monthly payments or make payments more predictable by fixing the interest rate.

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USDA Refinance

The USDA initiative lets borrowers refinance at a lower interest rate so that they can lower their monthly mortgage payments to more manageable levels.

Those looking to refinance through the USDA — sometimes even if they are underwater on their homes — may be eligible for any one of the three USDA refinance programs available.

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Cash-Out Refinance

Need to pay for college tuition? Want to renovate your home?

Our cash-out refinance program allows you to access the equity in your home and get cash that you can use to meet all kinds of financial goals.

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Debt Consolidation Program

Need to pay off your high-interest credit cards, or consolidate existing debt?

Our debt consolidation program allows you to access the equity in your home to consolidate all your debt into one affordable monthly payment.

Request Review

Considering Refinancing?

Request a complimentary mortgage review today to review your options.

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