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American Mortgage & Equity Consultants, Inc. (AMEC) • 911 N Lynndale Drive • Appleton, WI 54914 NMLS # 1158878: 3138 Market St., STE. B, Green Bay, WI 54304 NMLS #1296548: 757 S. Main St. Ste.10., Fond Du lac, WI 54935 NMLS #379084 Residential Home Loans • FHA | 203K | VA | HARP | USDA | WHEDA | Purchase | Refinance | Credit Restoration Conventional, FHA, 203K, VA, 100% USDA Rural Home Loans with Offices Serving communities through out Wisconsin. We provide purchase and refinance home loan services with great rates and terms to Green Bay| De Pere| Appleton| Neenah| Menasha | Oshkosh | Fond Du Lac | Sheboygan | Manitowoc | Milwaukee | Madison American Mortgage & Equity Consultants, Inc. Corporate NMLS ID 150953 - 7760 Francis Avenue South, Ste. 1010, Bloomington, MN. 55435 NMLS Consumer Access       State License/Disclosure
FHA Loans
AMEC - American Mortgage & Equity Consultants, Inc  helps homeowners secure FHA loans. FHA loans allow you to purchase a home with a 3.5% down payment, or refinance a home up to 96.5% of the home's value. FHA loans are easier to qualify for, and offer several homeowners an easy way to secure financing.
Streamline FHA If you have an FHA loan that originated before June 2009, you may qualify for a streamline FHA refinance. This means that you can refinance your current FHA loan with a very simple process. Unlike the standard refinance or loan application process,  the Streamline FHA makes it easier. If you are currently over 4.5%, a new FHA program could save you THOUSANDS! Here are some benefits of a Streamline FHA Loan: •Better loan terms •You do NOT need an appraisal on your home, even if you are upside down •You do NOT need to verify your income or employment •Your credit score will NOT be pulled This program is easy to apply for and you can find out within minutes if you may apply for the FHA Streamline Loan. Take advantage of the lower interest rates and all of what this FHA program has offer. Call 920.267.7891 for an FHA Streamline Refinance today!
About FHA Loans FHA loans originate from the Federal Housing Administration and are insured by HUD (US Dept. of Housing) so that lenders can offer more affordable mortgage rates. FHA loans require lower down payments and closing costs. There are even options for financing 100% of the loan, and several grant programs that provide FHA loan customers financing for the down payment. FHA loans offer options to those who've undergone bankruptcy or foreclosure. They're available to first time home buyers, refinancing and anyone who's purchasing property and doesn't already have an existing FHA loan. The guidelines for debt ratio and job qualifications are more lenient than a conventional loan.
Refinancing your Mortgage with an FHA Loan You may refinance your home loan with an FHA loan if you don't currently have an existing FHA loan. Refinancing options include fixed, adjustable (ARM) and buy-down mortgage rates, although most buyers have a fixed-rate FHA loan. Refinancing with an FHA loan is allowable even if you're late on your current mortgage or facing foreclosure. FHA loan applicants find that FHA loans do not have as strict of income guidelines nor credit history as conventional loans. FHA loans offer competitive rates for those in foreclosure or bankruptcy. There are also options for loan consolidation with FHA loans.
FHA Loan Qualifying FHA loan requirements are more flexible than conventional loans and provide the easiest application. Below are the requirements for FHA loans: •Need two years of consistent employment - preferred by the same employer. •Income over the past two years is the same, or increasing. •Credit guidelines vary; please ask AMEC - American Mortgage & Equity Consultants, Inc for details. •Bankruptcies must be 2 years old; good credit since the bankruptcy •Foreclosures must be 3 years old; good credit since the foreclosure. •Mortgage payment of your new home must be around 30% of your gross income.
About FHA Loans FHA loans originate from the Federal Housing Administration and are insured by HUD (US Dept. of Housing) so that lenders can offer more affordable mortgage rates. FHA loans require lower down payments and closing costs. There are even options for financing 100% of the loan, and several grant programs that provide FHA loan customers financing for the down payment. FHA loans offer options to those who've undergone bankruptcy or foreclosure. They're available to first time home buyers, refinancing and anyone who's purchasing property and doesn't already have an existing FHA loan. The guidelines for debt ratio and job qualifications are more lenient than a conventional loan.
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The Greater Fox Valley’s Mortgage Experts