Buying a Home
Why Choose American Mortgage Solutions for Your Home Purchase
Buying a home is one of the most significant financial steps you can take, and having the right mortgage partner makes the journey smoother and more rewarding. At American Mortgage Solutions, we bring over 30 years of experience to every client we serve, helping individuals and families secure the right loan for their needs. Licensed in Florida, Kentucky, and Indiana, our team combines local expertise with industry knowledge to guide you from your first consultation to closing day.
What makes buying a home with American Mortgage Solutions different is our focus on relationships. We take the time to learn about your financial situation, long-term goals, and lifestyle so that we can recommend a mortgage solution that truly fits. Whether you are a first-time buyer or an experienced homeowner moving into a new property, our team offers personalized support every step of the way.
In today’s housing market, flexibility matters. That’s why we provide a wide range of mortgage programs, from conventional and government-backed options to unique products designed for investors and self-employed borrowers. No matter your situation, our goal is to simplify the process of buying a home, reduce stress, and help you feel confident about your decision.
At American Mortgage Solutions, we’re not just a mortgage company—we’re your partner in one of life’s biggest milestones. When you choose us, you’re choosing a team dedicated to transparency, reliability, and results.
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
Explore Your Mortgage Options
When buying a home, the right mortgage makes all the difference. At American Mortgage Solutions, we know that no two borrowers are alike. That’s why we offer a variety of mortgage programs designed to meet diverse financial needs. Our role is to explain your options clearly and help you choose the loan that aligns with your budget and goals.
Conventional Loans
For many homebuyers, a conventional loan is the most straightforward option. These loans typically work well for borrowers with established credit and stable income. With flexible terms and competitive rates, conventional loans are often the go-to choice for buying a home if you want predictable monthly payments and long-term stability.
FHA Loans
If you are a first-time buyer or someone with less-than-perfect credit, an FHA loan can make buying a home more accessible. Backed by the Federal Housing Administration, FHA loans often require lower down payments and offer more flexible credit requirements. This option allows many people to achieve homeownership when they might otherwise face challenges qualifying for a conventional loan.
VA Loans
For veterans, active-duty service members, and qualifying military families, VA loans are one of the best options available. These loans require no down payment, no private mortgage insurance, and offer competitive interest rates. At American Mortgage Solutions, we are proud to help those who have served our country achieve their dream of buying a home.
Bank Statement Loans
Self-employed individuals often face hurdles when buying a home because their income may not fit the traditional mold. Bank statement loans are designed for borrowers who want to qualify based on their bank deposits rather than tax returns. This option opens doors for entrepreneurs, freelancers, and small business owners.
DSCR Loans for Investors
For real estate investors, a Debt Service Coverage Ratio (DSCR) loan provides a streamlined way to finance rental properties. These loans focus on the income potential of the property itself, not just the borrower’s personal income. If you are expanding your investment portfolio, this option can make buying a home or property for rental purposes easier and more efficient.
Specialty Programs
In addition to traditional and government-backed loans, we also offer specialty products such as fix-and-flip loans and buydown programs. These give homebuyers flexibility when purchasing unique properties or managing initial mortgage costs.
No matter which path you take, our team walks you through every option. Buying a home is a big decision, but with American Mortgage Solutions by your side, you’ll never feel lost in the process.
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
Depend on Our Streamlined, Transparent Process
The process of buying a home can feel overwhelming—but it doesn’t have to. At American Mortgage Solutions, we’ve developed a clear, step-by-step process that keeps you informed and empowered from start to finish.
Easy Pre-Approval
The first step in buying a home is understanding your budget. Our pre-approval process is fast and convenient, giving you a clear picture of what you can afford. With same-day pre-approvals available, you can move quickly when you find the right property.
Honest Rate Quotes
We believe in transparency. That means no hidden fees or confusing terms. When we provide you with a rate quote, you’ll know exactly what to expect—no surprises down the line. This clarity helps you make confident decisions when buying a home.
Personalized Guidance
Every borrower has unique needs, and our loan officers take the time to explain your options in detail. You’ll never feel rushed or pressured; instead, you’ll have a trusted partner walking you through each step.
Tech-Enabled Efficiency
Our online tools make the mortgage process faster and easier. From submitting documents to tracking your application status, we combine technology with personalized service to keep everything moving smoothly.
Closing with Confidence
When it’s time to finalize your purchase, we coordinate closely with your real estate agent, title company, and other professionals to keep everything on track. Our job is to make closing day a celebration—not a source of stress.
At American Mortgage Solutions, we believe the process of buying a home should be straightforward and stress-free. By combining advanced tools with personal attention, we make sure your experience is both efficient and enjoyable.
What Sets Us Apart
Choosing a mortgage partner is just as important as choosing the home itself. At American Mortgage Solutions, we pride ourselves on delivering an experience that goes beyond expectations. Here’s what makes us different:
Experience That Matters
With over 30 years in the industry, we’ve seen every type of housing market and borrower situation. This depth of experience allows us to anticipate challenges and find solutions that work for you.
Local Knowledge, Broad Reach
Licensed in Florida, Kentucky, and Indiana, we combine regional expertise with nationwide insight. Whether you’re buying a home in a bustling city or a quiet neighborhood, we understand the local markets that shape your options.
Commitment to Transparency
We believe trust is built on honesty. That’s why we provide clear communication, accurate timelines, and straightforward answers at every stage of buying a home.
Get Started Today
Buying a home doesn’t have to feel overwhelming when you have the right partner by your side. At American Mortgage Solutions, we make it easy to take the first step toward homeownership. Whether you’re just starting to explore your mortgage options or you’re ready to make an offer, our team is here to provide the guidance and support you need.
Request Your Free Quote
Getting started is simple. Request a free, no-obligation mortgage quote and receive clear information tailored to your situation. This gives you a head start when buying a home and helps you understand your options from the beginning.
Schedule a Consultation
If you’re ready for a deeper conversation, our loan officers are available for one-on-one consultations. During this call, we’ll review your financial situation, answer your questions, and outline the steps needed to move forward.
Move Forward with Confidence
Once you’ve chosen the right mortgage path, we’ll walk you through the application process, explain each milestone, and prepare you for closing. Our goal is to give you confidence every step of the way. At American Mortgage Solutions, we believe that buying a home should be exciting, not intimidating. Contact us today and let us help you begin your journey toward buying a home.
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