Loan Options

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Refinancing and Purchase
Loan Options

Applying for home financing can be overwhelming. Whether you’re a new home buyer looking for a first time mortgage or needing to refinance your home mortgage, there are hundreds of types of mortgages and refinancing loan options available, each with their own qualification and terms. Luckily, you don’t have to face it alone. At Americas Finest, we understand that there is no one size fits all solution to home financing. Our experienced mortgage experts will work with you to find the best types of mortgages for your individual needs. For those buying a home, we offer free up-front credit approvals and a 28-Day Close Guarantee to make your loan as simple and easy as possible. Contact Americas Finest City Mortage to discuss your home financing options.

Fixed Rate Loans

With a Fixed Rate Loan, your interest rate and monthly payment will remain the same even if market rates increase. This loan is the most popular home loan because it offers the security of knowing exactly what your mortgage expenses will be for the entire length of the loan. We provide both 30 Year Fixed Rate Loans and 15 Year Fixed Rate Loans.

FHA Loans

These are federally insured loans that offer financing to people who may struggle to qualify for traditional loans. Typically, FHA loans require little to no down payment, and feature flexible terms, making them popular among first-time home buyers and those with less-than perfect credit.

Home Improvement Loans

Finance alterations, remodeling or structural improvements with one of our Home Improvement Loans. These loans allow your mortgage balance to exceed the purchase price or appraised value of the home, so you can take out extra money for upgrades.

Jumbo Mortgage

Conventional loans are often not enough to cover the financing for high-priced luxury homes. A Jumbo mortgage is a privately securitized mortgage with higher payouts that can be used to finance up to 97 percent of your new home.

Reverse Mortgage

Seniors aged 62 and over are able to convert the equity in their homes to monthly income or a line of credit. Reverse Mortgages can also be used to purchase your retirement home.

VA Loans

Active duty military personnel and veterans can qualify for special mortgage rates and housing programs that are federally insured by the United States Department of Veterans Affairs.

Home Affordable Refinance Program (HARP)

The updates to the government’s Home Affordable Refinance Program, termed HARP 2.0, helps homeowners, that were previously unable to refinance due to loan-to-value guidelines, take advantage of today’s low interest rates.

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Home buying rates are at their lowest now, which is encouraging many consumers to make the important decision to buy a home.

Learn what to expect

current home REFINANCING

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Depending on your financial situation and future goals, the current market conditions may make it beneficial for you to refinance

See what benefits you can get


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It is our philosophy to always put our clients first and provide the personalized, attentive services.

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