Loan Programs
At American Safe Lending, we offer a diverse range of mortgage loan options tailored to meet your unique financial needs and homeownership goals. We are here to guide you through each option, ensuring you find the loan that best fits your budget and lifestyle. With flexible terms and personalized service, we’re committed to helping you secure the financing that makes your dream home a reality.
FHA Loans
FHA loans are designed to make homeownership more accessible, especially for first-time homebuyers or those with lower credit scores. Backed by the Federal Housing Administration, an FHA loan enables homebuyers to start building equity in a home with as little as 3.5% down, opening the door to your dream home sooner than you might think.
Ready to see if an FHA loan is right for you? Contact us today to explore your options and take the first step toward homeownership!
Conventional Loans
Conventional loans are a versatile and popular choice for homebuyers who have a solid credit history and the ability to make a down payment, offering competitive interest rates and a variety of term options. With options to put down as little as 3% for qualified buyers and the potential to avoid private mortgage insurance (PMI) with a 20% down payment, conventional loans can provide significant savings over time.
Interested in finding out if a conventional loan is the best fit for you? Contact us today!
VA Loans
VA loans are a powerful benefit for veterans, active-duty service members, and eligible surviving spouses, offering the chance to buy a home with no down payment, no private mortgage insurance (PMI), and competitive interest rates. If you’re eligible and looking to buy a home or refinance, a VA loan could be your key to a more secure future.
Contact us today to learn more about your eligibility and start your journey to homeownership with a VA loan!
USDA Loans
USDA loans offer a fantastic opportunity for eligible homebuyers looking to purchase in rural or suburban areas, providing 100% financing with no down payment required. Backed by the U.S. Department of Agriculture, these loans can make homeownership more affordable for low-to-moderate income families. If you’re dreaming of owning a home in a qualifying area, a USDA loan could be the perfect solution.
Reach out to us today to find out if you’re eligible and discover how a USDA loan can help you achieve your homeownership goals!
Refinance
Refinancing your mortgage can be a smart financial move to lower your monthly payments, reduce your interest rate, or tap into your home’s equity for other expenses. By replacing your existing mortgage with a new one, you can achieve more favorable terms that better align with your current financial goals, potentially saving you thousands over the life of your loan. Ready to explore how refinancing could benefit you?
Contact us today for a free consultation and see how much you can save with a personalized refinancing plan!
Reverse Mortgages
A reverse mortgage is a powerful financial tool for homeowners aged 62 and older, allowing you to convert part of your home’s equity into tax-free cash while still living in your home. Unlike traditional loans, there are no monthly mortgage payments; instead, the loan is repaid when you sell the home, move out, or pass away. This can provide a steady income stream in retirement, cover medical expenses, or pay off existing debt.
Curious about how a reverse mortgage could enhance your retirement strategy? Contact us today to see if it’s the right fit for you!
Jumbo Loans
Jumbo loans are designed for homebuyers looking to purchase high-value properties that exceed the conforming loan limits set by Fannie Mae and Freddie Mac. These loans provide access to larger loan amounts, enabling you to buy your dream home or invest in luxury real estate. Jumbo loans offer competitive rates and the ability to finance unique and higher-priced properties. If you’re in the market for a home that requires a jumbo loan, we’re here to help you navigate your options.
Contact us today to see how a jumbo loan can fit your financial goals and get started on your path to owning a high-value property!
Self-Employed
For self-employed borrowers, securing a mortgage doesn’t have to be challenging. With specialized loan options tailored to those with non-traditional income, you can qualify based on bank statements, assets, or other documentation rather than just W-2s and pay stubs. These flexible lending solutions make it easier to buy or refinance a home. If you’re self-employed and looking for a mortgage that works with your financial picture, we can help you find the right solution.
Contact us today to explore loan options designed specifically for self-employed borrowers and take the first step toward homeownership!
Real Estate Investors
For real estate investors, tailored loan options can make building a property portfolio more accessible and profitable. Whether you’re looking to purchase rental properties, flip homes, or expand your holdings with multi-family units, investor-specific loans offer flexibility with competitive rates, higher loan limits, and the ability to finance multiple properties simultaneously.
Ready to grow your investment portfolio? Contact us today to learn about the financing solutions available for real estate investors and take advantage of opportunities in the market!