Services
Tailored Equity Loan Solutions for Your Financial Goals
At AMF Equity Loans, we go beyond traditional lending to empower you with customized equity loan solutions. Whether you’re looking to leverage your home equity for a major purchase, consolidate debt, or fund life’s milestones, our team is dedicated to guiding you every step of the way. With expertise in the financial landscape and a commitment to personalized service, we’re here to help you achieve your goals with confidence.
Home Purchase Loans
Embark on your home-buying journey with confidence. We offer a variety of home purchase loans, including Conventional, FHA, VA, and USDA loans. Our team specializes in understanding your needs and guiding you to the best fit for your situation.
Refinancing Solutions
Maximize your financial flexibility. Whether you’re looking to lower your monthly payments, shorten your loan term, or extract equity from your property, our refinancing options are designed to align with your financial objectives.
First-Time Homebuyer Programs
Stepping into your first home is a big move. We’re here to make it a smooth one with dedicated programs for first-time buyers, including down payment assistance and expert guidance through every step of the process.
Loan Programs for Investors
Expand your investment portfolio with our tailored loan programs for real estate investors. Whether you’re buying a single-family home, a multi-unit property, or something in between, we have the expertise to back your investment decisions.
Non-QM Loans
For those with unique income situations or credit challenges, our Non-Qualified Mortgage (Non-QM) loans offer flexible solutions to help you secure financing. We believe everyone deserves the chance to own a home.
Down Payment Assistance
Stepping into your first home is a big move. We’re here to make it a smooth one with dedicated programs for first-time buyers, including down payment assistance and expert guidance through every step of the process.
Services
Home Purchase Loans
Conventional Loans
Ideal for borrowers with strong credit, offering competitive interest rates and flexible terms. They require a higher down payment compared to government-backed loans.
FHA Loans
Perfect for first-time homebuyers with lower credit scores. These loans offer lower down payments and are more accessible.
VA Loans
Exclusively for veterans and active military members, providing benefits like no down payment and no private mortgage insurance.
USDA Loans
Designed for buyers in rural areas, offering no down payment options for qualifying locations and income levels.
Renovation Loans
These loans are ideal for homeowners looking to upgrade or repair their current property, providing the necessary funds for various renovation projects.
Jumbo Loans
Designed for properties that require loans exceeding the conventional loan limits, these are perfect for larger, more expensive homes, offering competitive rates and terms.
HELOC
This flexible line of credit allows homeowners to borrow against the equity of their home, useful for large expenses or debt consolidation.
New Construction
These loans cater specifically to those looking to build a new home, offering financing that covers the construction phase and transitions smoothly into a traditional mortgage.
Services
Refinancing Solutions
Rate and Term Refinance
Allows homeowners to adjust their interest rate and loan term, potentially lowering monthly payments or shortening the loan period.
Cash-Out Refinance
Homeowners can refinance their mortgage for more than they owe and take the difference in cash, useful for consolidating debt or home improvements.
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First-Time Homebuyer Programs
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Loan Programs for Investors
Investment Property Loans
Tailored for real estate investors, these loans cater to the purchase of properties intended for rental or resale.
DSCR (Debt Service Coverage Ratio)
The DSCR Investor Loan is ideal for real estate investors, emphasizing property income over personal income. It suits those with income-generating properties, facilitating portfolio expansion.
Services
Non-QM Loans
Self-Employed Borrowers
Designed for individuals with non-traditional income sources, offering flexible income verification processes.
Bank Statement Loans
Ideal for self-employed professionals, these loans use bank statements for income verification, offering a flexible alternative to traditional income documents.
P&L
Tailored for applicants outside standard criteria, this loan type uses Profit and Loss statements for qualification, providing a viable solution for diverse financial profiles.
Credit Challenges
Provides loan options for those with less-than-perfect credit histories, helping them achieve homeownership.
Services
Down Payment Assistance
State and Federal Programs
Information about various assistance programs available at state and federal levels.
Qualifying for Assistance
Details the eligibility criteria and application process for obtaining down payment assistance.
SECIBD (Second Mortgage for Down Payment Assistance)
This program provides an additional mortgage as down payment aid, enabling easier access to homeownership for those who qualify.