Our Mortgage Process
Applying for a mortgage is fast and easy when you work with American Mortgage Solutions. Here is what to expect from start to finish.
Schedule your free consultation.
The process starts with a free consultation. Begin by giving us a call at (502) 327-9770 in Kentucky or at (239) 766-8344 in Florida.
Discover your loan options.
The consultation gives us a chance to talk with you in-depth about your needs.
This is when we can answer your mortgage questions, learn about your financial situation, and find out about your goals.
We can then share loan options with you that can help you to maximize your savings and convenience when buying a home.
Fill out the mortgage application.
Once you decide on a type of mortgage, you can fill out and submit your loan application.
We also will ask you at this point to provide documentation to verify your income and employment status. If you have a W2, you can use that. If you do not, you can provide us with bank statements instead. This makes our application process easy and fast for everyone, whether they are a traditional employee or are self-employed.
Wait for appraisal and underwriting.
This is the point in the mortgage process where appraisal and underwriting happen. If we require additional documentation from you, we will let you know.
Receive conditional approval.
Next is one of the most exciting stages in the loan process, when you receive conditional approval for your mortgage. You now have a loan commitment!
If pending documents are needed, we submit them.
It is possible that at this point you will need to follow up with more documentation in preparation for the final underwriting review. If there is anything more we need you to provide, we will inform you right away.
You receive final approval from the underwriter on your home loan.
Once the underwriting process is complete and you have met all conditions, the underwriter will issue the final approval.
Closing time!
The most exciting part of the process is here at last, the final step—closing on your mortgage.
After you wrap up the final paperwork on closing day and transfer your down payment and closing costs, you will be able to receive the keys to your new home.
See What Our Clients Are Saying About Us!
Jayme P.
14:51 30 May 24
Lisa Bokhari was amazing to work with. She provided us with so much information: charts, spreadsheets, property value predictions etc.. to help us make decisions and gave us choices that took into consideration our current situation and our plans for the future-breaks down stressful decisions into a step-by-step process-is so compassionate and knowledgeable about finances and loan programs-helped us so much with not only loan programs but with difficult complex decisions about multiple properties-she is very fast responding to questions and provided us with numbers and analysis often the same day we asked for it .Highly recommend. Thank you Lisa
Lamartrick D.
00:51 30 May 24
Amazing customer service!! Brady was extremely professional and helped me with my concerns in an instant!
Danielle D.
15:16 29 May 24
I have been working with the American Mortgage Solutions team for years now. Every single person I have worked with is so nice, knowledgeable, and professional. I almost feel like I'm part of the family. Shout out to Brady, Courtney, and Jamie! Thanks so much for all you do!
Apply for a Mortgage Now
in Cape Coral or Louisville
As you can see, the mortgage process with American Mortgage Solutions is easy! We will walk you through it step by step, updating you throughout so that there are no unnecessary delays.
Ready to schedule your consult? Please give us a call at (502) 327-9770 in Kentucky or at (239) 766-8344 in Florida. We also work with homebuyers in Tennessee, Indiana and Colorado.
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American Mortgage Solutions is an Equal Housing Lender. 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