American Home Mortgage

Welcome to American Home Mortgage Group, your trusted mortgage source in Flagler Beach, Florida since 2003. We understand that buying or refinancing a home is a significant milestone, and our team is dedicated to making this process as smooth and stress-free as possible. In today's ever-evolving real estate market, having a knowledgeable and experienced mortgage consultant by your side is crucial. We take pride in taking the time to analyze each individual's unique financial situation, goals, and objectives to tailor the perfect mortgage solution that meets their specific needs.

Wide Range of Loan Programs

We believe that everyone deserves the opportunity to own a home, regardless of their individual circumstances. That's why American Home Mortgage Group offers a comprehensive selection of loan programs designed to cater to a diverse range of borrowers. Whether you're a first-time homebuyer, looking to refinance your existing mortgage, or seeking specialized financing options, our team has the expertise to guide you through the process.

Our loan portfolio includes:

• Conventional Loans: For borrowers with solid credit histories and down payment capabilities, conventional loans offer competitive interest rates and flexible terms.

• FHA Loans: Backed by the Federal Housing Administration, FHA loans provide flexible guidelines and require lower down payments, making homeownership more accessible to a wider range of individuals, including first-time buyers and those with less-than-perfect credit.

• Foreign National Loans: Tailored to meet the unique needs of foreign nationals purchasing property in the United States, these loans offer specialized underwriting guidelines and program options.

• Non-QM Loans: For borrowers who may not qualify for conventional loans due to their financial profile, Non-QM loans provide alternative financing solutions with flexible lending criteria.

• Refinance Loans: Whether you're looking to lower your monthly payments, shorten your loan term, or access your home equity, our refinance loan programs offer a variety of options to suit your financial goals.

• Reverse Mortgage Loans: Designed for homeowners aged 62 and older, reverse mortgages provide access to a portion of your home equity, offering a way to supplement retirement income.

• USDA Loans: Rural Development loans, offered through the U.S. Department of Agriculture, provide financing options for eligible borrowers in designated rural areas, often with zero down payment requirements.

• VA Loans: Backed by the Department of Veterans Affairs, VA loans offer exceptional benefits to eligible veterans, active-duty military personnel, and surviving spouses, including zero down payment requirements and competitive interest rates.

Personalized Guidance and Excellent Service

At American Home Mortgage Group, we believe in fostering strong relationships with our clients. Our team of experienced mortgage professionals is dedicated to providing personalized guidance and exceptional customer service throughout the entire lending process.

We understand that navigating the world of mortgages can be complex, so we take the time to explain all aspects of the process clearly and concisely. Our goal is to empower you to make informed decisions that align with your long-term financial goals. We provide regular loan updates and progress reports, ensuring that you are always informed about the status of your mortgage application.