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Mortgage

 

There's no place like home

Helping you purchase your family home is not something we take lightly. At American Bank Center, we will 
walk you through the home-buying process and will be with you from your first payment to your last. 
Whether you are a first time homebuyer, building your dream home or are looking to downsize for your 
retirement, we offer a variety of financing options to help make home buying affordable and manageable. 

The right mortgage for you

American Bank Center has several programs available with flexible terms and competitive rates to fit your 
budget. After visiting with you, we will decide together which program best fits your needs:

  • Conventional Loans
  • Government Loans
  • First Time Homebuyers
  • Construction Loans
  • Home Improvement Loans
  • Home Equity Loans
  • Home Equity Lines of Credit

How do I prepare?

American Bank Center will look at the following factors in making a decision:

  • Income stability. Verifiable income with a 2-year history that is in addition to your salary,
    such as investment interest or commissions, will work in your favor.
  • Loan to value ratio. This ratio tells a lender how much equity you will have in your home.
    It measures your loan amount to the value of your property.
  • Property appraisal. This verifies that the property's market value justifies the loan amount.
    A licensed appraiser must complete the appraisal.
  • Credit history. It is a good idea to check your credit report before you begin this process
    to amend any errors or take steps to improve your credit worthiness.

To determine how much home you can afford, use a mortgage calculator.