Refinance Your Home
Refinancing Options to Fit Your Needs
At American Mortgage Solutions, we understand that your mortgage needs may change over time. Refinancing is an opportunity to adjust your loan to better fit your financial situation and long-term goals. Whether you want to lower your monthly payment, shorten your loan term, consolidate debt, or tap into your home’s equity, we offer a variety of refinance options designed to meet those needs.
Rate-and-Term Refinance
One of the most common refinancing strategies is a rate-and-term refinance. This option allows you to replace your current loan with a new one that has a better interest rate, a different loan term, or both. For example, switching from a 30-year loan to a 15-year loan may help you pay off your mortgage faster, while refinancing into a lower interest rate can significantly reduce your monthly payments.
Cash-Out Refinance
A cash-out refinance allows you to tap into the equity you’ve built in your home. By refinancing for more than you currently owe, you can take the difference as cash to use for renovations, education costs, medical expenses, or other financial needs. This option can also be a smart way to consolidate high-interest debt into one manageable mortgage payment.
FHA and VA Refinance Programs
For homeowners with existing FHA or VA loans, we offer refinancing programs designed specifically for your needs. FHA refinances may help those who originally qualified with lower credit scores but now want to take advantage of better terms. VA refinances, such as the Interest Rate Reduction Refinance Loan (IRRRL), provide veterans and active-duty service members with the opportunity to lower their rate or improve their loan terms.
Specialty Refinance Solutions
Not every homeowner fits neatly into one category. At American Mortgage Solutions, we also provide refinance solutions for self-employed borrowers, investors, and others who may need a more tailored approach. Bank statement loans and Debt Service Coverage Ratio (DSCR) loans, for example, can provide refinancing opportunities based on non-traditional qualifications.
No matter which path you choose, our team works closely with you to find the refinance option that best aligns with your financial goals. With a wide range of products and decades of expertise, we’re here to make refinancing simple, clear, and stress-free.
Lower Your Payment. Gain Peace of Mind.
We’ll help you refinance to a better rate or term — saving you money and keeping your goals front and center.
Let Your Home Help Fund Your Future
Turn the value in your home into cash for renovations, debt consolidation, or big life moments — with guidance every step of the way.
Access Your Equity — Keep Your Low Rate
A HELOC lets you tap into your home’s value without refinancing, so you keep your current mortgage and interest rate intact.
The Mortgage Partner People Love
Is Now the Right Time to Refinance?
One of the biggest questions homeowners ask is whether it’s the right time to refinance. The answer depends on your personal financial situation, your long-term goals, and current market conditions. At American Mortgage Solutions, we help you evaluate these factors to decide if refinancing makes sense for you right now.
Interest Rate Environment
Interest rates change over time, and refinancing when rates are lower than your original loan can save you thousands over the life of your mortgage. Even a small reduction in your rate can significantly reduce your monthly payments. Our team provides up-to-date rate quotes so you can make an informed decision about refinancing.
Your Current Loan Terms
If you’re several years into a 30-year mortgage, you may want to refinance into a 15-year loan to pay off your home sooner. Alternatively, if you need more breathing room in your budget, refinancing into a longer term with lower monthly payments may be the right choice.
Financial Goals and Equity
Your goals also play an important role. If you’ve built substantial equity in your home, a cash-out refinance may be a smart way to fund renovations, consolidate debt, or cover major expenses. If you’re focused on building long-term wealth, refinancing to a lower rate or shorter term can help you reduce interest costs and grow your equity faster.
Personal Circumstances
Life changes such as starting a business, sending kids to college, or preparing for retirement often create new financial needs. Refinancing gives you the flexibility to align your mortgage with your evolving circumstances.
At American Mortgage Solutions, we don’t just look at numbers—we look at the bigger picture. Our team takes the time to understand your situation, explain your options, and help you determine if now is the right time to refinance.
Why Borrowers Recommend Us
Highly recommend
"Brady and his team are detail oriented and work to make sure the realtor and client have the best experience. They help train realtors to be more effective and grow their business and they help homebuyers find the best programs and qualify for the best rates."
- Stephanie Clements
- Kentucky
Extremely professional
"Brady and the AMS team worked efficiently and effectively with my family and I to purchase our first home. Extremely professional group that I would recommend to anyone in the market for a home."
- Tyler Phillips
- Kentucky
Can't thank them enough!
"Brady Webb and Matt were fantastic to work with! They were very patient with me, as my loan situation was complicated and took some time to finalize! Throughout the entire process Matt was with me all the way to explain my best coarse of action, and to get me the best interest rate."
- Karen Lamb
- Kentucky
How Refinancing Can Benefit You
The decision to refinance is ultimately about creating a better financial future. At American Mortgage Solutions, we work with you to ensure that refinancing delivers the benefits you’re seeking.
Lower Monthly Payments
One of the most common reasons to refinance is to reduce your monthly payments. By securing a lower interest rate or extending the term of your loan, you can free up more of your income for savings, investments, or everyday expenses.
Pay Off Your Loan Faster
If your goal is to be mortgage-free sooner, refinancing to a shorter term can help. While monthly payments may be higher, the long-term savings in interest can be substantial. This option is popular among homeowners who want to build equity quickly and gain financial independence.
Consolidate Debt
High-interest credit cards, personal loans, and other debts can weigh heavily on your finances. A cash-out refinance allows you to consolidate those debts into one monthly payment at a potentially lower interest rate. This strategy simplifies your finances and may save you money in the long run.
Access Home Equity
Your home is more than just a place to live—it’s also a financial asset. Through a cash-out refinance, you can turn a portion of your equity into liquid funds for home improvements, education costs, or emergency expenses. Many clients use this option to reinvest in their homes, boosting property value while improving their living space.
Improve Loan Terms
Even if your monthly payments remain similar, refinancing can improve your loan terms in other ways. For example, switching from an adjustable-rate mortgage (ARM) to a fixed-rate loan provides long-term stability and predictable payments.
Refinancing offers different benefits for different homeowners. At American Mortgage Solutions, we take the time to identify what matters most to you and create a refinancing plan that supports your financial goals.
Why Homeowners Choose American Mortgage Solutions
With so many lenders available, why do homeowners continue to trust American Mortgage Solutions for their refinance needs? The answer lies in our experience, transparency, and commitment to client success.
Over 30 Years of Experience
Our team has been helping homeowners refinance for decades. We’ve guided clients through changing markets, shifting interest rates, and evolving loan programs. That history gives us the knowledge and confidence to find the best refinance options for your unique situation.
Wide Range of Loan Programs
Not every borrower fits the same mold. That’s why we offer a variety of refinancing options, from conventional to government-backed programs and specialty products. Whether you’re a first-time refinancer or a seasoned homeowner, we have a solution to fit your needs.
Transparency at Every Step
We believe refinancing should be straightforward. From clear rate quotes to honest timelines, our process is built on transparency. You’ll always know where you stand and what to expect.
Personalized Guidance
We don’t believe in one-size-fits-all solutions. Our loan officers take the time to understand your goals and explain your options in plain language. With American Mortgage Solutions, you’ll have a partner by your side through the entire refinance process.
Local Knowledge, Broad Reach
Licensed in Florida, Kentucky, and Indiana, we combine local expertise with a deep understanding of the national housing market. We know the unique challenges and opportunities in each state we serve, giving you the confidence to make informed decisions.
For us, refinancing isn’t just about numbers—it’s about people. We measure our success by the positive impact we have on our clients’ financial lives.
Your Mortgage Broker in Cape Coral FL & Louisville KY. We are licensed in Florida, Kentucky, and Indiana.
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Copyright © 2025 American Mortgage Solutions NMLS: 1364/MB73346
Licensed in: FL, KY, IN
FL-MBR1574, KY-MB73346
Copyright © 2025 American Mortgage Solutions NMLS: 1364/MB73346
Licensed in: FL, KY, IN
FL-MBR1574, KY-MB73346
American Mortgage Solutions follows all Equal Housing laws. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. Disclaimer: Programs subject to change without notice. All borrowers must qualify per program guidelines.
These materials are not from HUD, FHA, the USDA, or the VA. These materials were not approved by any government agency. They are independent of any government agency. We are not in any way affiliated with any organization listed or referenced within this website, including HUD/FHA/USDA/VA. The inclusion of various education, information, web links, or materials are not an endorsement of the Sender or any of its employees or business partners. For information directly from HUD/FHA, visit https://www.hud.gov/guidance For information directly from the VA, visit http://www.benefits.va.gov/HOMELOANS/ For information directly from the USDA, visit http://www.usda.gov/wps/portal/usda/usdahome?navid=GRANTS_LOANS