Loan Options

Loan Programs


SAVE BIG WITH LOW 15-YEAR FIXED RATES The security of a consistent rate and payment and the ability pay off your mortgage as quickly as possible. A 15-year fixed-rate mortgage allows you to pay less interest over the course of your loan. Lower rates and a shorter term makes this loan a great choice for the financially savvy customer.

Payments/How it Works

  • Monthly payments based on interest rate, principal loan amount, and amortized interest over 15 years
  • Your payment will not change throughout the life of the loan
  • Pay your mortgage at any time without pre-payment penalties

Qualification Requirements

  • Refinance up to 95% of your primary home’s value
  • Buy a home with as little as 5% down (primary home)
Got questions? Give us a call! One of our mortgage specialists would be happy to answer all of your questions and get you started with a great low rate today!

Working with America’s Mortgage Lender

  • We put YOU first.
  • America’s Mortgage Lender offers some of the most competitive rates in the Nation!
  • Fast and efficient, we close most of our loans in 30 days or less.
  • We offer a variety of loans. America’s Mortgage Lender will find you the loan that is right for you!!!
Start An Application

If you plan to stay in your home for the long term, sleep tight knowing you will have the stability of a consistent payment that never changes. Plan your budget with a consistent mortgage payment at a low rate that will stay the same through the life of your loan.

How it Works

  • Monthly payments based on interest rate, principal loan amount, and amortized interest over 30 years
  • Your payment will not change throughout the life of the loan
  • Your actual payment will vary based on your situation and the current interest rates when you apply
  • Pay your mortgage off at any time without pre-payment penalties

Qualification Requirements

  • Refinance up to 95% of your primary home’s value
  • Buy a home with as little as 5% down (primary home)
  • Loan amounts from $25,000 to $2,000,000
  • Got questions? Give us a call! One of our mortgage specialists would be happy to answer all of your questions and get you started with a great low rate today!

Working with America’s Mortgage Lender

  • We put YOU first.
  • America’s Mortgage Lender offers some of the most competitive rates in the Nation!
  • Fast and efficient, we close most of our loans in 30 days or less.
  • We offer a variety of loans. America’s Mortgage Lender will find you the loan that is right for you!!!
Start An Application

FHA loans are a great option for borrowers in need of a low down payment option or flexible credit score requirements to purchase or refinance a home. Home Point Financial offers a variety of FHA options, including the FHA Streamline program, which requires reduced documentation and underwriting compared to switching programs.

ADVANTAGES
  • Down payment as low as 3.5%
  • Fixed-Rate Mortgage options available with 10- to 30- year terms
  • Adjustable Rate Mortgages (ARMs) available
  • High Balance available in certain counties
  • Minimum credit score of 580
Start An Application

Veterans and active duty service members can make home ownership a reality through the VA Loan Program. This program has low down payment options for purchase, competitive rates and a streamlined refinance option that reduces documentation needed to close – the VA Interest Rate Reduction Refinance Loan (IRRRL). The IRRRL is a longstanding program to honor veterans; this offering allows for qualifying flexibilities and other options not offered in any other loan program.

ADVANTAGES
  • No down payment
  • No private mortgage insurance
  • Fixed-Rate Mortgage options available with 15- to 30- year terms
  • Adjustable Rate Mortgages (ARMs) available
  • Refinance with the VA IRRRL
  • Minimum credit score of 580
Start An Application

The Jumbo Loan Programs are geared toward borrowers looking to finance a loan above the Conventional County Loan Limits – currently $453,100. The Jumbo Suite is a combination of three offerings that have more flexibility than High Balance loans, including an option with no mortgage insurance, more fixed-rate options and financing up to $2.5 million. Jumbo loans can be used for a first-time homebuyer, an investment property or to refinance an existing property.

ADVANTAGES
  • Ability to exceed county loan limits
  • Finance up to $2.5 million
  • Fixed Rate Mortgage options available with 10- to 30-year terms
  • Adjust Rate Mortgages (ARMs) available
  • No mortgage insurance required if your loan-to-value ratio is greater than 80%
  • Minimum credit score of 661
Start An Application

A 203K Rehab Loan helps you finance the two most important items for your home; the cost of the home and all necessary repairs and renovations.

ADVANTAGES
  • Down payment as low as 3.5%
  • Fixed-Rate Mortgage options available
  • High Balance available in certain counties
  • Minimum credit score of 620
Start An Application

Standard Conventional Loans are great for any borrower! Whether you're a first-time homebuyer, looking to purchase a second home, interested in purchasing an investment property or looking to refinance your current mortgage; Home Point Financial offers a variety of conventional loan options to fit your needs.

ADVANTAGES
  • Purchase programs with as little as 3% down (owner-occupied)
  • Fixed-Rate Mortgage options available with 10- to 30-year terms
  • Adjustable Rate Mortgages (ARMs) available with low interest rate and adjusted payment over time
  • Possibility of eliminating mortgage insurance
  • Minimum Credit Score of 620
Start An Application

If you're always constantly moving, then having an Adjustable Rate Mortgage is the right option for you. This home loan option has an interest rate that changes periodically, meaning that your monthly payments either increase or decrease. Generally, with this option, the interest rate decreases most of the time, so after your fixed period rate, you'll the safety and confidence knowing that your payments will not cause a financial burden.

ADVANTAGES
  • Low Starting Rates
  • Adjustable Rate Mortgage Options Available: 5/1, 7/1, 10/1 Terms
  • Fixed Rate Payments That Are Flexible
  • Minimum Credit Score of 740
Start An Application

The Home Affordable Refinance Program (HARP) allows borrowers who are current on their mortgage to refinance their home, even if they are underwater due to falling property values. This is a limited time program offered through the Federal government to help homeowners save on their monthly mortgage by refinancing without an appraisal.

ADVANTAGES
  • Fixed-Rate mortgage options available with 10- to 30-year terms
  • Adjustable Rate Mortgages (ARMs) available
  • No minimum credit score
Start An Application

Contact Us

Licensed Mortgage Banker, New Jersey » Licensed Mortgage Banker-NYS Department of Financial Services; License Number 107974 » Connecticut Licensed Correspondent, Connecticut » Licensed Mortgage Lender, Pennsylvania Florida Mortgage Lender MLD688 » NMLS #214882 » Vermont Mortgage Lender 6349 » New Hampshire Mortgage Banker License #17009-MB » Rhode Island Lender License 20122836LL TEXAS LOAN DISCOSURE 1) Per Texas Administrative Code, the website is required to prominently display the Texas Recovery Fund Notice (copied in subsection (a) below) and the contact information for the Texas Department of Savings and Mortgage Lending. This also appears on Customized Mortgage Solutions main website: a. AMERICAS MORTGAGE LENDER IS Licensed UNDER THE LAWS OF THE STATE OF TEXAS AND BY STATE LAW IS SUBJECT TO REGULATORY OVERSIGHT BY THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING. ANY CONSUMER WISHING TO FILE A COMPLAINT AGAINST AMERICAS MORTGAGE LENDER SHOULD COMPLETE, SIGN, AND SEND A COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE DOWNLOADED AND PRINTED FROM THE DEPARTMENT'S WEB SITE LOCATED AT http://www.sml.texas.gov OR OBTAINED FROM THE DEPARTMENT UPON REQUEST BY MAIL AT THE ADDRESS ABOVE, BY TELEPHONE AT ITS TOLL-FREE CONSUMER HOTLINE AT 1-877-276-5550, BY FAX AT (512) 475-1360, OR BY E-MAIL ATSMLINFO@SML.TEXAS.GOV. THE DEPARTMENT MAINTAINS THE MORTGAGE BROKER RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF Licensed RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT SUBCHAPTER F OF THE MORTGAGE BROKER LICENSE ACT ON THE DEPARTMENT'S WEB SITE REFERENCED ABOVE.

Licensed by the Department of Business Oversight, under the California Residential Lending Act