904-332-6808

Purchase Loans
We focus on new construction purchase business by working
closely with some of Jacksonville’s top builders.
Find your loan
We work with local and national banks to bring
the best of their loan programs to our clients.
Purchase Loans
We focus on new construction purchase business by working
closely with some of Jacksonville’s top builders.
Purchase Loans
We focus on new construction purchase business by working
closely with some of Jacksonville’s top builders.
Proudly Serving North Florida
Our management team has worked together for over 25 years!
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Specializing in Conventional, FHA, VA, USDA, and Jumbo Loans.

We provide Jacksonville’s builders and realtors with the latest in mortgage financing programs and the excellent service we’ve become known for. We work with local and national banks to bring the best of their loan programs to our Northeast Florida clients.

Purchase Loans

Which Mortgage option is right for you?

Buying a home is a very exciting time. It comes with a huge sense of pride and offers a sense of stability and community.  When it comes to mortgage loans, no two journeys to buying a home are the same. With a mortgage payment commitment of 15, 20 or 30 years, finding the best mortgage lender is more than just getting a good interest rate.  

American Home Funding is dedicated to making the homebuying process easier and is eager to offer tips, tools and a staff of industry professionals to move you forward with confidence. We’ve helped thousands of North Florida residents reach their goals and realize their dreams. We want to help you as well.

Loan Approved

We provide Jacksonville’s builders and realtors with the latest in mortgage financing programs and the excellent service we’ve become known for. We work with local and national banks to bring the best of their programs to our clients.

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FHA LOANS

FHA loans have been helping people become homeowners since 1934. The Federal Housing Administration (FHA) – which is part of HUD – insures the loan, so we can offer you a better deal.

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VA LOANS

A VA loan is a mortgage loan in the United States guaranteed by the U.S. Department of Veterans Affairs. The VA loan was designed to offer long-term financing to eligible American veterans.

stack of 100 hundrend dollar bills with small house on top

CONVENTIONAL LOANS

A conventional mortgage refers to a loan that is not insured or guaranteed by the federal government. A conventional, or conforming, mortgage adheres to the guidelines set by Fannie Mae and Freddie Mac. It may have either a fixed or adjustable rate.

Your Mortgage Options

Conventional Loans

  • Conventional loans are not insured by a government agency
  • Require a minimum 3% down payment
  • There are a variety of fixed and adjustable rate conventional loans to choose from
  • Generally carry strict guidelines on credit scores, loan to value ratios, debt to income and down payments
  • Interest rate varies based on credit score and loan term
  • Offers 10, 15, 20, 25, 30 and 40 year repayment terms
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FHA Loans

  • Great for first-time buyers and buyers with lower credit scores
  • FHA loans are not restricted to first- time home buyers or low-income buyers
  • Easier requirements for income and credit score
  • Minimum down payment 3.5% and lower closing costs
  • Mortgage Insurance may be less costly than PMI
  • Seller can contribute up to 6% of SP to cover closing costs
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VA Loans

  • For veterans, actively serving military personnel and surviving spouses of veterans
  • Qualify with suitable credit, adequate income and valid Certificate of Eligibility
  • Borrow up to 100% with no money down and no mortgage insurance requirement
  • Veterans can refinance through the IRRRL (streamline refinance)
  • Can include cost of remodeling up to 103.15% appraised value
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USDA Loans

  • Special financing in USDA defined areas
  • Flexible credit guidelines and qualifying criteria
  • Lower than market interest rate
  • No down payment required
  • Closing costs can be seller-paid or rolled into the loan
  • Lower monthly private mortgage insurance (PMI)
  • Ability to finance upfront PMI
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JUMBO MORTGAGE LOANS

  • Financing for high-priced and luxury homes
  • Good option for self-employed buyers
  • Available for primary residences, second homes and investment properties
  • Flexible down payment minimum of 5% on loans up to $2 million
  • Mortgage insurance is not required
  • Jumbo cash out refinances up to 95% loan to value with no mortgage insurance
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APPLY NOW ONLINE

Using our secure online loan application system, you can take your time and complete your application whenever it’s convenient for you. And, you can always save your work and come back and complete it later. The process can take approximately 15 to 25 minutes. Contact us at (904) 332-6808, Monday – Friday, 9:00am to 5:00pm if you have any questions or want to speak directly with a loan officer. We are always happy to help!
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Our management team has worked together for over two decades. As mortgage brokers we focus on new construction purchase business by working closely with some of Jacksonville’s top builders and being chosen as their preferred broker.

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