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Loan Options in Florida

Buying a home in North Palm Beach, West Palm Beach or throughout the state of Florida is an investment in your future. To maximize the return on that investment, you are going to need to find a mortgage that features competitive rates and flexible terms.

America’s Mortgage Solutions offers a broad spectrum of lending products for homebuyers and homeowners throughout Florida.

Our knowledgeable team of loan experts can help you determine the type of home loan that will be ideal for helping you achieve your financial goals.

Types of Florida Home Loans We Offer


A home loan that does not feature backing from a government agency is a conventional mortgage. Those that fit within the Fannie Mae and Freddie Mac conforming loan limits are conforming conventional loans.


If you are a veteran, active-duty service member, or eligible surviving spouse, you can apply for a mortgage backed by the Department of Veterans Affairs. You can buy a home with zero down using a VA mortgage, without PMI. Easy credit qualifications and affordable rates are more great reasons to apply for a VA loan.


Another option for buying a home with competitive rates and a low down payment is an FHA mortgage backed by the Federal Housing Administration. Flexible credit qualification requirements add to the features that make this an attractive option for first time and repeat homebuyers.


When you need a way to borrow more money than is possible with a conforming mortgage, you can apply for a jumbo loan.

Reverse Mortgage

Senior homeowners who are looking for an affordable loan product to boost retirement income can apply for a reverse mortgage in FL.

FHA 203K

Buy a fixer-upper in Florida with this type of mortgage that allows you to roll the cost of purchasing the home together with the cost of repairing it.


The USDA loan program is an income-based opportunity to buy a home in rural parts of Florida with no down payment and easy credit qualifications. It is backed by The US Department of Agriculture.

First Time Home Buyers

We help first time homebuyers with diverse situations to buy homes successfully. When you contact us, we can help you determine what loan options might be ideal for helping you buy your first home.

Non QM

You can purchase a home with a non-qualified mortgage (non-QM loan) through AMS.

Foreign National

If you are living in Florida as a foreign national, we can help you to successfully purchase a home.

Bank Statement Loans

Our bank statement loan process offers you an alternative to submitting full documentation to verify your income when applying for a mortgage.

Let Us Help You Find the Right Loan

America’s Mortgage Solutions is based in North Palm Beach and West Palm Beach, and works with customers throughout Florida. If you are ready to buy a home or refinance now, please call (561) 316-6800 to schedule your consultation. We look forward to connecting you with the mortgage product that will help you achieve your financial goals.

See What Our Clients Are Saying About Us

Brian Sharkey
Brian Sharkey
14:35 22 Sep 21
When you need a local lender as the customer it is important to look for someone who can be organized and prepared for any local issues that can ruin a deal, know the community and how to get you funded on time. Meet Marni from Christian Penner Group for an amazing experience. I recommend you contact her she will call you back shortly.
Jeffrey Zananiri
Jeffrey Zananiri
12:55 14 May 21
Christian and his team provided a stress free, white glove service. Highly recommend.
Jack Dixon
Jack Dixon
18:06 01 Apr 21
Working with Chris + team was incredible! They reduced our anxiety and stress levels, were tolerant and patient throughout the entire process, and got the deal done in breakneck speed. We're extremely happy in our new home. Highly recommended!
Kathy Letourneau
Kathy Letourneau
22:42 14 Feb 21
Beverly Boyett was my representative and she went above and beyond in assisting me with my Refi. She DID what she said she would do... and MORE! Can't express how kind, efficient and knowledge she was. I will definately go back to Hamilton in the future with any home financing needs.
Anthony Messina
Anthony Messina
22:25 12 Feb 21
Americas mortgage solutions does such an amazing job . Christian and his staff make refinancing about as seamless as it can be . They stay in contact with you if you need a question answered a fast reply is always there. Submitting all the forms was very easy also. They do whatever it takes to make sure your needs and concerns are met. Your name is always mentioned when I hear people talk about a mortgage .so thanks Christian, Becky , Kirstin and Diana sorry if I missed anyone ! for all your help in addressing my concerns AWESOME TEAM !!!
Jordan Volgs And More
Jordan Volgs And More
15:00 03 Feb 21
If you are having difficulty getting a good deal on a mortgage, I would highly suggest that you contact ‘Christian and his amazing team. They will simply get things done that other companies cannot. And to top it off, his team makes it an absolute priority to get the deal done on time. Do not hesitate to contact Christian.