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!

Crystal Dancer
Crystal Dancer
16:39 04 Sep 21
Tara King is a gem to work with! She was highly informative, responsive to my needs and was able to work miracles that others hadn’t been able to achieve! I would highly recommend working with Tara and American Mortgage Solutions for all your lending needs!
Dustin Talacko
Dustin Talacko
14:15 04 Sep 21
We are on our 4th mortgage and just used Tara for the first time. She is the best that we have ever used and will use her on all investment properties moving forward. Creative, responsive and on top of the fine details. Strongly recommend.
Kevin Pate
Kevin Pate
13:47 03 Sep 21
Brady and Travis are some of the best people that you will ever meet in the mortgage business! Genuine, friendly, professional, trustworthy.No need to go anywhere else for your your home buying services!!!
Daleigh Kranz
Daleigh Kranz
00:24 03 Sep 21
American Mortgage Solutions handled our mortgage loan perfectly. The team was friendly and fast, and were always easy to get in touch with. Thank you!
Allison Riggs
Allison Riggs
16:55 02 Sep 21
American Mortgage Solutions put my family first! I'm so glad we chose them for our mortgage needs. The communication was great and everything was finished quickly!
Evan Fowler
Evan Fowler
18:42 30 Jul 21
American Mortgage Solutions did an amazing job for me! Communication was top tier, and I always felt well-educated. I always recommend them for mortgage loan needs.
Rhonda Burden
Rhonda Burden
09:40 22 Jul 21
Travis and Brady were so knowledgeable and professional it made this process go so smoothly that we were able to close quicker than anyone could believe! The care and personalization that was given you would have thought that it was them buying a home for their own family! I can not say enough positive things about the smoothness and professionalism and personal care that came from using American Mortgage. God could not have steered us in a better direction. Is was clear to me once we started moving through this process that this was the mortgage company we were supposed to use. Thanks to them (& God first, of course) we have our beautiful Florida home! Many many thanks to Travis & Brady!
Tim Davis
Tim Davis
20:24 20 Jul 21
Brady and his TEAM at American Mortgage Solutions are top notch and very knowledgeable in this ever changing mortgage and real estate industry. I am working closely with them to provide financing for those with financing struggles; whether it be self employed borrowers, foreign nationals or even those who may have had certain credit setbacks.All in all, you can know that you will be taken care of honestly.
Laura Brian Sawdo
Laura Brian Sawdo
11:46 16 Jul 21
AMS has been an exceptional company to work with. The are attentive to our needs and very timely in their responses to our requests. They have given us sound advice to some of our most challenging hurdles with buying a home or refinancing our current home. I sincerely appreciate all they have done to make the loan process as seamless and painless as possible! Thank you AMS, you have restored my faith in mortgage companies!
Stephanie Burkhardt
Stephanie Burkhardt
15:52 14 Jul 21
Kristal at American Mortgage Solutions helped make our dream of owning a home a reality! We just purchased our first home in June and have heard how stressful the process can be. Kristal was attentive and informative during every step of the way and made it as seamless and stress-free as possible for us. I literally could not have asked for a better experience and will recommend her to anyone and everyone I know for their mortgage needs!

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.