American Spirit Mortgages, Inc.
1501 S. Pinellas Ave., Unit F,
Tarpon Springs, FL 34689
Ph: (727) 938-8092
Fax: (727) 943-5658
Welcome to our website - Apply on-line today and be on your way to owning your own home - It's easy!


We also speak

Spanish and Greek


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American Spirit 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 representitive.

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 VA loans;

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


Get Pre-Approved for your home loan. The best real estate agents require buyers to be pre-approved for a mortgage before showing them homes. Many sellers will not accept offers to purchase unless you can show proof of funds.

Have the confidence of knowing what your payments and terms will be before you find the home where you will live.

Get started. It's quick and easy. Click here to Apply Online!

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Call American Spirit Mortgage to speak with a loan expert. 1-877-311-1011

Sincerely and Best Regards,
Rio Dela Portas
Mortgage Broker


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