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*EXPERIENCED* *LICENSED* *INSURED* *BONDED* **OFFERING PERSONALIZED SERVICE WITH NO UPFRONT FEES**
AM Mortgage Brokers, offers a complete array of loan programs to meet your needs. We work with the leading lenders in the industry to provide you with the lowest rates and closing costs possible. We pride ourselves in our ability to handle each loan on a case by case basis, thereby insuring that your specific needs are met. Conforming Loans are loan amounts up to $424,100. WE also have Conforming High Balance loans that have a higher loan amount based on the specific county the subject property is located in. Non-Conforming Jumbo loans over the conforming limit. The loan programs have various terms; fixed rates- short or long term, with no pre-payment penalties. We offer Adjustable Rate mortgages, (3/5/7/10 Year ARMS) these are fixed for a specific term and then adjust periodically according to the financial index. Perfect for you if you plan to stay in your home short term. WE offer loans for Primary residences, 2nd Homes, Investments and programs that allow Co-borrower's, similar to a co-signer to help a buyer qualify for a mortgage loan(within guidelines). Many conventional programs now offer 5-15% down with Lender paid MI, this buys out the monthly mortgage insurance premium previously required in a monthly mortgage payment when less than 20% was used as down payment. FHA - still allows 3.5% as a down payment-lower interest rates - monthly mortgage insurance required. VA and USDA loans available.
 



Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $424,100 for the contiguous states, District of Columbia, and Puerto Rico or below $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $8,340. Jumbo Loans (whose maximum loan amount exceed $424,100 for the contiguous states, District of Columbia, and Puerto Rico or exceed $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,001 with closing costs of $8,340. Your actual APR may be different depending upon these factors.
*CONVENTIONAL* *HIGH BALANCE CONFORMING LOANS* *JUMBO/NON-CONFORMING LOANS* *FHA*USDA*VA*