AMS Mortgage Services

    All Loan Programs

    Explore our comprehensive range of mortgage solutions designed to meet every unique financial situation and homeownership goal.

    Conventional Loans

    Traditional mortgage options with competitive rates for qualified buyers with good credit and stable income.

    • 3-20% down payment
    • Fixed or adjustable rates
    • Conforming loan limits
    • PMI may be required

    FHA Loans

    Government-backed loans with lower down payment requirements, perfect for first-time homebuyers.

    • 3.5% down payment
    • Flexible credit requirements
    • Mortgage insurance required
    • Ideal for first-time buyers

    VA Loans

    No down payment loans exclusively for veterans, active military, and eligible spouses.

    • 0% down payment
    • No PMI required
    • Competitive rates
    • VA funding fee applies

    USDA Loans

    Zero down payment loans for eligible rural and suburban homebuyers with income restrictions.

    • 0% down payment
    • Lower mortgage insurance
    • Income limits apply
    • Property location requirements

    Jumbo Loans

    High-value mortgages that exceed conforming loan limits for luxury and high-priced properties.

    • Loan amounts above $766,550
    • Competitive rates
    • Strong credit required
    • Larger down payments

    Construction Loans

    Financing to build your dream home from the ground up with flexible options.

    • Construction-to-permanent loans
    • Interest-only during building
    • Custom home financing
    • Land purchase options

    Home Equity Lines of Credit (HELOCs)

    Tap into your home's equity with flexible borrowing for renovations, debt consolidation, or major expenses.

    • Revolving credit line
    • Interest-only payments
    • Competitive rates
    • Flexible draw periods

    Down Payment Assistance Programs

    Programs that help reduce upfront costs through grants, loans, and special assistance options.

    • State & local grants
    • FHA down payment assistance
    • First-time buyer programs
    • Employer assistance programs

    Alternative Lending

    Flexible financing solutions for self-employed borrowers, investors, and unique financial situations.

    • Bank Statement loans
    • DSCR loans
    • Non-QM programs
    • Asset-based lending

    Refinancing

    Lower your rate, reduce payments, or access equity through cash-out refinancing options.

    • Rate & term refinance
    • Cash-out refinance
    • Streamline refinance
    • No closing cost options

    Ready to Get Started?

    Our experienced loan officers are here to help you find the perfect mortgage solution for your needs.