Ask Us About Our 1% Down Program

Lower your monthly mortgage payment and enjoy no closing costs (for real)! We can help with refinance your home from start to finish with competitive low rates, quick closing, and no closing costs. Feel like a winner knowing you’ve got the best deal possible.

LOAN COMPARISON

Fixed Rate Loans
  • 30-, 25-, 20-, 15- and 10-year terms are all available with fixed rate.
  • Buy a home with as little as 3% down (primary home).
  • Refinance up to 95% of your primary home's value.
  • Monthly payments remain the same for the entire loan term.
Adjustable Rate Loans
  • 3/1, 5/1, and 7/1 ARM's.
  • ​Monthly payments based on a 30 year repayment schedule.
  • ​The rate stays fixed for the first 3, 5, or 7 years (depending on chosen term), and then adjusting annually thereafter.
FHA Loans
  • 3.50% minimum down payment required on purchase.
  • Minimum credit score usually 580.
  • Post-bankruptcy qualifying - 2 years after.
  • ​Post-foreclosure qualifying - 3 years after.
VA Loans
  • Competitive interest rates that are routinely lower than conventional rates.
  • Sellers can pay up to 6 percent of closing costs and concessions.
  • Higher allowable debt-to-income ratios than for many other loans.
  • ​Down payment as low as 0%.
Jumbo Loans
  • Large down payment of  20% or higher.
  • Minimum credit score usually 680 and above.
  • Requires large cash reserves and low debt to income ratio.
  • Higher interest rates than conforming loans.
Hard Money Loans
  • A short-term loan secured by real estate.
  • Funded by private investors.
  • 12-month loan terms, but can be extended to 2- and 5-year terms.
  • Ideal for real estate investors.
EMAIL:
Kristine Britton | Mortgage Loan Originator
kristine@ams-lending.com
PHONE:
o. 321.426.7336
c. 321.863.6336
LICENSE:
NMLS ID # 1882618