Loan Options in Florida

Buy a Home Refinance

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

Conventional

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.

VA

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.

FHA

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.

Jumbo

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.

USDA

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.

Buy a Home Refinance

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