American Mortgage Bank specializes in providing Residential and Commercial Banking solutions in all 50 States, including solutions that meet the needs of traditional “Inside the Box” scenarios, as well as solutions for homeowners who have found themselves “Outside the Box” since the global financial crisis.

INSIDE THE BOX

Inside the Box solutions cater to borrowers with traditional W2 or Fixed Income. Inside the Box solutions also cater to Smaller lending amounts that are below county limits. And anyone who can show  2 Years Tax Returns, W2’s or Pay-Stubs for income.

Inside the Box residential loan products include:

FANNIE MAE CONFORMING LOANS

  • Conforming Cash-Out (up to 80%)
  • Conforming Purchase (up to 97%)
  • Confirming Refinance (up to 97%)
  • Lending Limit (contact us for details)
  • FANNIE MAE NON-CONFORMING LOANS

  • Agency Jumbo Cash-Out (up to 80%)
  • Agency Jumbo Purchase (up to 90%)
  • Agency Jumbo Refinance (up to 95%)
  • Lending Limit (contact us for details)
  • GOVERNMENT / NON-CONVENTIONAL LOANS

  • FHA Cash-Out (up to 85% LTV)
  • FHA Purchase (up to 96.5% LTV)
  • FHA Refinance (up to 97.75%)
  • FHA Reverse Cash-Out (up to 50%)
  • FHA Reverse Line of Credit (up to 50%)
  • FHA Reverse Purchase (up to 50%)
  • FHA Reverse Lending Limit (contact us for details)
  • FHA Streamline (contact us for details)
  • FHA 203k Renovation (contact us for details)
  • VA Cash-Out (up to 100%)
  • VA Purchase (up to 100%)
  • VA Refinance (up to 100%)
  • VA Streamline (No appraisal required up to 150%)
  • USDA (contact us for details)
  • OUTSIDE THE BOX

    Outside the Box solutions cater to Self-Employed borrowers, Rental Properties, Jumbo Lending, Lines of Credit, Private Lending, Business, Hotel, Construction and Commercial financing. And anyone who can show  1, 12 or 24 months bank statements for income.

    Outside the Box residential loan products include:

    NICHE PRODUCTS

    Private Label

  • Cash-Out (up to 75%)
  • Purchase (up to 75%)
  • Refinance (up to 80%)
  • Lending Limit ($15 million)
  • Lending Limit (above $15 million with exception)
  • No Appraisal (available)
  • No Income Verification (available)
  • Primary and Investment Properties (allowed)
  • Quick Close (go to docs and purchase or get cash-out in as little as 24 hours)
  • Self Employed/Business Owner

  • Cash-Out (up to 85%)
  • Line of Credit (up to 90%)
  • Purchase (up to 95%)
  • Refinance (up to 95%)
  • Lending Limit (up to $5 million)
  • Lending Limit (above $5 million with exception)
  • Assets for Income (allowed)
  • Business Bank Statements for Income (allowed)
  • Personal Bank Statements for Income (allowed)
  • Declared Income (allowed)
  • Investment Property

  • Cash-Out to 65% (no appraisal needed)
  • Cash-Out to 70% (no income needed)
  • Purchase (up to 80%)
  • Refinance (up to 80%)
  • Line of Credit (up to 85%)
  • Lending Limit (up to $1 million)
  • Lending Limit (above $1 million with exception)
  • Investor Cash-Flow for Income (allowed)
  • Quick Close (go to docs and purchase or get cash-out in as little as 24 hours)
  • Unlimited Rental Properties (allowed)
  • 5-35 Units (allowed)
  • Wrap Around Loans (allowed)
  • Blanket Loans (allowed)
  • Super Jumbo Lending Limit ($40 - $400 million allowed with exception)
  • Jumbo

  • Cash-Out (up to 89.99%)
  • Equity Lines (up to 89.99%)
  • Purchase (up to 90%)
  • Refinance (up to $5 million)
  • Jumbo Lending Limit (up to $5 million)
  • Super Jumbo Lending Limit (up to $15 million)
  • Super Jumbo Lending Limit ($40 - $400 million allowed with exception)
  • Jumbo Reverse

  • Cash-Out (up to $5 million)
  • Purchase (up to $5 million)
  • Refinance (up to $5 million)
  • Line of Credit (up to $5 million)
  • Lending Limit (up to $5 million)
  • $0 Origination (available)
  • No Monthly Mortgage Insurance (available)
  • Title and Escrow (paid by the lender)
  • Use True Appraised Value (not FHA county lending limit)
  • OTHER LOANS

  • Blanket Loans (available)
  • Bridge Loans (available)
  • Business Owner (available)
  • Cash-Out (available)
  • Commercial Loans (available)
  • Credit Scores (550-720 allowed )
  • Credit Scores (below 550 allowed)
  • Credit Scores (no credit score reporting allowed)
  • Cross Collateralized (available)
  • Debt Elimination (available)
  • Equity Line (available)
  • FHA Flex Reverse (available)
  • Fixed Income (available)
  • Flip Loans (available)
  • Foreclosure (stop foreclosure in as little as 24 hours)
  • Foreign National (allowed)
  • Full Doc (available)
  • Hard Money (available)
  • Investment Property (available)
  • Lower Payment (available)
  • Low Doc (available)
  • Line of Credit (available)
  • Litigation Loans (available)
  • No Credit Score (available)
  • No Appraisal (no appraisal and quick close option available)
  • No Doc (little or no documentation required)
  • Non-Prime (available)
  • Non-QM (available)
  • Pay Option Arm (coming soon)
  • Private Money (available)
  • Reverse Mortgage (available)
  • Quick Close (go to docs and get cash-out or purchase in as little as 24 hours)
  • Second Lien (available)
  • Stated Income (available)
  • Wrap Around (available)
  • LOAN TERM OPTIONS

  • 40 Year Fixed (available)
  • 30 Year Fixed (available)
  • 20 Year Fixed (available)
  • 15 Year Fixed (available)
  • 10 Year Fixed (available)
  • 7 Year Fixed (available)
  • 5 Year Fixed (available)
  • 2 Year Fixed (available)
  • 12 Month Fixed (available)
  • 6 Month Fixed (available)
  • 1 Month Fixed (available)
  • AMORTIZATION OPTIONS

  • Fully Amortized (available)
  • Interest-Only (available)
  • Negative Amortization (available)
  • Reverse Amortization (available)
  • Simple Interest (available)
  • INCOME TYPES

  • Full Doc (allowed)
  • W2 (allowed)
  • Self Employed (allowed)
  • Business Owner (allowed)
  • Investment Income (allowed)
  • Investor Cash Flow (allowed)
  • Rental Income (allowed)
  • Retired (allowed)
  • Fixed Income (allowed)
  • Low Doc (allowed)
  • No Doc (allowed)
  • No Income (allowed)
  • Stated Income (allowed)
  • Declared Income (allowed)
  • OTHER INCOME TYPES

  • Assets for Income (allowed)
  • Cash-Out as Reserves (allowed)
  • College Graduate Blended Income (allowed)
  • Cross-Collateralized (allowed)
  • Future Income (allowed)
  • Gifts (allowed)
  • Gifts of Equity (allowed)
  • IRA / Pension Distribution (allowed)
  • Non-Occupant Co-Borrower (allowed)
  • No Income No Asset (allowed)
  • Passive Income (allowed)
  • P&L for Income (allowed)
  • Rental Income (allowed)
  • Stocks as Income (allowed)
  • Unlimited Rental Properties (allowed)
  • OCCUPANCY TYPES

  • Primary Residence (allowed)
  • Second Home (allowed)
  • Investment Property (allowed)
  • Rental Property (allowed)
  • Commercial Property (allowed)
  • CREDIT BLEMISHES (allowed)

  • BK (allowed)
  • Credit Score (550-720 allowed)
  • Credit Scores (below 550 allowed)
  • Deed In Lieu (allowed)
  • Foreclosure (allowed)
  • Mortgage Lates (allowed)
  • No Credit Score (allowed)
  • NOD (allowed)
  • Notice of Foreclosure (allowed)
  • Short Sale (allowed)
  • American Mortgage Bank specializes in providing Residential and Commercial Banking solutions in all 50 States, including solutions that meet the needs of traditional “Inside the Box” scenarios, as well as solutions for homeowners who have found themselves “Outside the Box” since the global financial crisis.

    Commercial loan products include:

  • Assisted Living Facility
  • Auto Dealership
  • Church
  • Co-Op
  • Distribution
  • Fannie Mae
  • Farm / Orchard
  • FHA
  • Fully Subsidized
  • Gas Station
  • Health Care Facility
  • Hospital
  • Hotel
  • Land
  • Manufacturing
  • Memory Care
  • Mexico
  • Mixed Use
  • Mobile Home Parks (MHP)
  • Motel
  • Multi Family
  • Office
  • Restaurant
  • Retail
  • RU Parks
  • SBA Loans
  • Special Use
  • Student Housing