Mortgage is a respectable mortgage service in our community and the entire state
of Florida. We have a lot of experience in what we do so what might seem difficult to you,
to us is a matter of following the correct process for your situation.
To get started
all you need to do is fill out our online application.
There is no need to fill out your social security number on our application.
Our simple qualification form takes just minutes to fill out, seriously - and the
information you provide will be handled responsibly and sent to a qualified loan
Remember when applying for a loan you will receive a good faith estimate disclosing the
costs so that you can make an informed decision before deciding to move ahead with the
process of obtaining your home. Nobody will be checking your credit score without first
getting your approval to do so.
At American Spirit Mortgage we believe in treating our clients with intelligence and
respect. After all, we earn our money providing you a service which often involves one of
the most important decisions in your life.
|Now offering FHA and
With FHA, we can do purchases up to 97.75% of the purchase price, allow you to receive
gift funds for your down payment and allow the seller to pay 6% of your closing costs. We
offer FHA cash out refinances up to 95% LTV. FHA allows those with limited credit history
and those who are credit challenged the opportunity to use non traditional credit, such as
rent, phone, cable payment histories to qualify for a loan when they may otherwise not be
able to get one.
VA financing is available to active duty and retired military personnel.
It allows for 100% financing for new home purchases and offers streamline and cash out
refinances. With streamline refinances for those who currently have a VA loan, these offer
the convenience of no income or asset qualification and sometimes no appraisal is
required. Cash out refinances can be used to payoff existing mortgages, credit card debt
and other items you may wish to consolidate.
Contact us today to
see what options you have for your next home purchase or refinance. We offer competitive
rates and superior customer service. 1-877-311-1011