Getting a mortgage for your Florida home
Would you rather see sunshine over snow during the holiday winter season? Do you prefer palm trees over pine trees? Maybe year-round beach access makes your heart skip? Every year people visit beautiful Florida as tourists and often decide they don’t want to leave.
If you fall into this category, we can help you make the move to a tropical paradise! Start your mortgage application now, and you can have a pre-approval letter in hand when you’re touring homes!
Already a Florida homeowner? We can also help with mortgage refinancing!
Florida mortgage rates and trends
Due to the impacts of COVID-19, national mortgage rates drop to all-time lows beginning in 2020. As a result, millions of Americans could take advantage of low borrowing costs, even those previously priced out of the market.
Florida mortgage rates remain low, but we are seeing gradual increases taking place. Rates will likely continue rising. But, that said, rates are still hovering around historic lows.
As a result, it's in your best interest to take advantage of a free mortgage review with American Financing to see if you are paying too much. Then, we can customize a loan to fit your needs and help you save money. A lower rate could mean hundreds in monthly savings with a Florida mortgage refinance.
Among the many factors that impact mortgage rates, the debt-to-income ratio and credit scores are significant indicators for the market. We understand that it's vital that you choose the right lender for your loan needs. At American Financing, we know that our customers are more than just a loan, which is why we take the time to get to know you.
American Financing will guide you through one of our many loan programs, including FHA, VA, Conventional, USDA, and more. We prioritize your needs and customize a loan program that fits your needs and budget, all while getting you the lowest rate possible.
Down payment assistance
Florida home buyers may qualify for down payment assistance programs and grants. If you're seeking to purchase a home in Florida, let us help you understand what your options are and if any grants* are available to you.
Be sure to ask about:
* Down payment assistance programs are decided at the city and/or state level and are not funded by American Financing. Assistance amount may vary based on purchase city, credit score, and other financial requirements. A homebuyer education course may need to be completed before applying.
Mortgage Refinancing in Florida
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Is your monthly mortgage payment or interest rate too high?
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Do you have high-interest debt holding you back?
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Do you want to be mortgage-free sooner?
If you answered yes to any of these questions, now is the time to schedule a free mortgage review with one of our knowledgeable mortgage consultants. Don't wait for rates to rise before you learn about the benefits of Florida's mortgage refinancing. You could be looking at up to $1,000 a month in savings. American Financing is proud to provide you with the option to choose any loan term you need ten years and over! Just call one of our salary-based mortgage consultants to learn more.
A cash-out refinance in Florida could help you in so many ways! For example, you could save on your monthly mortgage payments with a lower interest rate or pay down your high-interest credit card debt. In Tampa, FL., a cash-out refinance could also help finance home improvement projects by accessing the equity you've built up over the life of your loan. Talk to one of our mortgage consultants today about how to put your home to work for you with a cash-out refinance.
Why American Financing?
As a national mortgage lender, American Financing is dedicated to making homeownership affordable and putting our customers first. We are proud to offer competitive mortgage rates and no upfront fees as a part of our customer-focused experience. In addition, our dedicated mortgage consultants work hard to customize the right loan program for your financial goals.
We try to make your loan experience memorable, too. We have been a family-owned company for the past 20 years, and we consider our customers a part of the family. So on top of customizing your experience, we're always available to answer any mortgage-related questions after closing.
We're able to complete most of the lending process online, creating an even faster experience for you. At American Financing, we strive to offer you a no-pressure and stress-free experience. Here's to the start of a lifelong relationship!
Let's build your home loan together
Let us show you how simple the mortgage refinancing or new home purchase process can be! Call (866) 891-7910 to connect with a Florida mortgage consultant. We'll customize any loan in the industry while offering the best service, lowest rates, and fastest closings.
American Financing is an Equal Housing Lender; NMLS #182334 www.NMLSConsumerAccess.org; Licensed in 50 states.
