Americas Home Loans
Personal Finance Company in Fargo, ND
Mortgage firms such as America's Home Loans are often referred to as correspondent lenders or mortgage bankers. We have the option to broker loans when it's to the advantage of the borrower. Having access to a multitude of secondary market lenders and investors gives America's Home Loans the advantage of unlimited loan programs, consequently increasing the chances of getting loan approval. This enables us to be an advocate of the borrower by delivering the very highest program and rates that suit the customers' financial aims.
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Americas Home Loans
read moreWelcome to America's Home Loans, We are home loan experts dedicated to making sure your home purchase or refinance experience is top-notch. We are a full-service mortgage company based in Bismarck, ND. We specialize in Purchase, Refinancing, and VA Loans in North Dakota. Whether you are buying a home or refinancing we can help you realize your dream of homeownership or save you money when getting your new lower monthly payment. We offer a wide range of refinance options, designed to best meet the needs of local borrowers.
About Us
read moreOur mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan. America's Home Loans strives to ensure that its services are accessible to people with disabilities. America's Home Loans has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities, with the strong belief that every person has the right to live with dignity, equality, comfort and independence.
Mortgage Calculators
read moreInformation and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. America's Home Loans strives to ensure that its services are accessible to people with disabilities.
Conventional Home Loans in Bismarck
read moreIf you are looking for a home loan in the Bismarck or Mandan, ND, area, we've got the information that you're looking for regarding terms, interest rates, and more. We'll answer your questions so that you can move forward with a home loan through America's Home Loans. A conventional loan is a mortgage that is not backed by any Government agency such as the Federal Housing Administration (FHA) or Veterans Administration (VA). Conventional loans meet the lending requirements of Fannie Mae and Freddie Mac, the two largest buyers of mortgage loans in the US.
Loan Process
read moreThe first step in obtaining a loan is to determine how much money you can borrow. In case of buying a home, you should determine how much home you can afford even before you begin looking. By answering a few simple questions, we will calculate your buying power, based on standard lender guidelines. You may also elect to get pre-approved for a loan which requires verification of your income, credit, assets and liabilities. LTV or Loan-To-Value ratio is the maximum amount of exposure that a lender is willing to accept in financing your purchase.