Did you know that if you have served in the military, you may be able to buy a home in Kentucky or Florida with zero down?

Many veterans are unaware of the VA mortgage program and the many advantages it can offer.

This special program offers some of the most flexible and affordable loan terms available.

What is a VA Mortgage?

A VA mortgage is a home loan that is guaranteed by the US Department of Veterans Affairs. It is one of the benefits that become available to members of the military after they meet a specific service requirement.

Fast & Easy Custom VA Loan Rate Quotes!

Get your FREE customized quote here!

Today's VA Loan Rates

Advantages of VA Loans in Kentucky,
Florida, Indiana, Colorado, and
Tennessee

If you are eligible for a VA home loan, these are the benefits:

Buy a home with zero down. For many applicants, one of the most exciting features of a VA loan is the opportunity to buy a home immediately with no down payment.
A VA mortgage has relaxed credit qualification requirements. Even without perfect credit, you may be eligible.
Even if you do not make a down payment with a VA mortgage, you do not need to pay for mortgage insurance. This is an advantage over FHA loans.
VA mortgages feature affordable interest rates, even for applicants without perfect credit.
Closing costs are capped at 3%. In some cases, the seller may pay the closing costs.
The funding fee for a VA mortgage can be waived for an eligible disabled veteran.
If you refinance a VA mortgage, you do not need to get an appraisal unless discount points are charged.

How Do You Qualify for a VA Mortgage
in FL, KY, IN, CO, and TN?

How do you know if you are eligible for a VA loan? The basic requirements include:

Active duty or retired military status. Along with veterans and active-duty service members, eligible surviving spouses are also welcome to apply for a VA loan.
Service in any branch. If you were in the Reserve or National Guard, you must have been activated to apply.
Meeting the minimum service requirement. 90 days of active duty wartime service or 181 days of continuous active duty peacetime service are the most common requirements, but they can vary depending on when you served.

Are you unsure if you meet the minimum service requirement? We can help you to assess your record to see if you are likely to qualify for a VA mortgage. If we determine that you are, we can walk you through the remaining steps in the application process, including obtaining your Certificate of Eligibility (COE).

Apply for a VA Loan in Louisville,
Cape Coral, or Beyond

Are you ready to buy a home with zero down? To apply now for a VA mortgage, please give us a call at (502) 327-9770 in Kentucky or at (239) 766-8344 in Florida. We also work with veteran homebuyers in Indiana, Tennessee, and Colorado.

Fast & Easy Custom VA Loan Rate Quotes!

Get your FREE customized quote here!

Today's VA Loan Rates

See What Our Clients Are Saying About Us!

American Mortgage Solutions

4.9

Based on 83 reviews

Write a review

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!

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Jayme Perez

Lamartrick Denton

Billy Joe Harmon

21:26 24 May 24

Lisa Bokhari is where it’s at. She made the home buying process easy and smooth. There were a bump or two in the road, but she helped us navigate through. I can’t speak high enough praises. Thank you so very much for all that you do!

A Smallwood

14:27 09 Apr 24

Brady and his team were phenomenal in helping us secure a HELOC recently. They did a great job keeping us informed throughout the whole process and was able to secure us a competitive rate. Way better than our bank was offering. I’d highly recommend working with them for your mortgage needs!

Victoria Diaz

01:12 20 Jan 24

Working with American Mortgage Solutions has been a great experience. I worked with Kris and she answered every question and truly made our home buying experience the best.

Skyler

05:07 18 Jan 24

Terrible service. Don’t bother if you aren’t making a ton of money. My bf and I have been together for years and have decided about 3 months ago we would like to try and see if we qualify to buy a home. We are young but work full time at reliable adult jobs. Also we have savings for a down payment. Not a ton but we qualify for FHA so I know we don’t need the usual 20%. Just trying to see what our options were. We worked with Kris/Kristal. We gave her all our info and had one phone call with her briefly about financing. She said she would contact us and let us know our budget options. Never heard back. Almost 3 months later and we aren’t interested in working with this company. I guess we don’t make enough money for her time. Would be nice to know next time instead of being led on.

Jeffrey Gray

01:13 15 Dec 23

Top notch service. Brady and his team from start to finish were very professional, always answered the phone for any questions we had through the process to streamline our purchaseThanks again

April Brown

18:53 25 Aug 23

I can’t express how grateful and satisfied I am with American Mortgage Solutions after an amazing 25 years of collaboration! From my very first home purchase in 1998 to my last in 2023, they have consistently provided unparalleled service that goes above and beyond mere business transactions.From day one, American Mortgage Solution impressed me with their professionalism, expertise, and genuine care for my financial well-being. They guided me through the intricate mortgage process, patiently answering my questions and ensuring I feel confident at every step.Over the years, I’ve had the privilege of engaging with various members of their team, each one providing their commitment to excellence. In an ever-changing environment, they have maintained a high standard of service that doesn’t waiver with time.

Cora Girouard

15:54 29 Jun 23

Tara is the best! She is always available for every client myself and my team have brought to her. She is there to answer every question or concern that comes up for our clients and myself as an agent. Extremely thorough! I bring every client I can to her! Thank you Tara!

Justin Derange

02:49 27 Jun 23

I highly recommend American Mortgage Solutions and Kris is amazing she gets right to it and answers all your questions Kris is a very hard worker and gets the job done definitely would recommend her to anybody A+ to American Mortgage Solutions 💯

Jarod Hoover

18:45 23 Jun 23

Tara is very knowledgeable, responsive, professional, timely, and always keeps an open line of communication. Our transaction was smooth sailing! She specializes in multiple loan options that others don’t have. I highly recommend going to Tara for all of your mortgage needs!

Jerrod Markstahler

19:37 20 Jun 23

Tara King was a huge help for my wife and I when mortgaging our new home. We could not have asked for more. We were 750 miles away and nervous. Never failed to answer our questions even WELL AFTER normal business hours. Thank you Tara!

Mary Dunne

19:14 20 Jun 23

Tara provided a stress free loan process and she kept us up to date the entire time. Happy buyers, happy sellers, happy Realtors!

Chasidy H

15:36 14 Jun 23

I just completed my first home purchase with Kris. She worked so hard to get my loan and no matter what happened was able to overcome every obstacle. I would highly recommend.

Jeff Hashbarger

12:09 08 Jun 23

Tara King is a true ROCK STAR! She helps my team and I with whatever it is we throw and her. Her knowledge of the industry, due diligence and attention to detail help make her so good at all she does for her clients! Thank you Tara:)

Sylvie Acovski

14:29 07 Jun 23

American Mortgage Solutions is amazing. They always answer the phone and do a great job of explaining everything in a way that makes it easy to understand. For anyone looking for a mortgage, I highly recommend AMS.

Michelle Fransen

15:40 19 Apr 23

Tara did amazing job helping me and my buyers close on their new home. It wasn't an easy situation with the buyers, but Tara put in the extra work and went the extra mile to get them approved and closed on time. She was responsive, receptive and so easy (and fun) to work with! I look forward to working with her more in the future.

Sarah Johnson

18:25 17 Apr 23

Tara King was amazing! She and her team were able to pick up a contract 2 weeks in, deal with unusual circumstance, and get it closed... early to boot! Amazing job. 👏Thank you Tara🧡-Sarah Johnson, REALTOR

Gary Demetreon

18:04 17 Apr 23

Huge thanks to Tara King for working her magic to get me into my new home!! Her and her team worked like champs to get me to closing in lightning speed!!! So grateful!!

Justin

17:26 13 Apr 23

Carli Sherman

18:47 28 Nov 22

Kris was wonderful! She went above and beyond for us. we couldn't be more thankful

Scott Chapman

14:56 28 Nov 22

American Mortgage was extremely helpful and and got me taken care of immediately. They are the best!

Naomy Sanabria

17:59 23 Nov 22

Travis Egan was great! I was a first time home buyer and he explained everything in great detail and answered any questions I had. I definitely recommend AMS!

Gary Medley

17:13 23 Nov 22

Travis and American Mortgage Solutions financed the purchase of my daughter's home in KY. The process was smooth and all communications were very timely. It went so well that I had them do a re-finance on my home in FL.

adam mather

17:21 08 Nov 22

We have used them multiple times and Brady and his team have always be n the best. We wouldn’t go anywhere else!

Wendy Turner

18:12 30 Aug 22

Travis Egan with American Mortgage Solutions made the home buying process extremely easy. Any questions I had, he was right there to answer them in a way that made complete sense. I would recommend Travis and his team 100 times over.

Sandra Mlinarcik

21:31 11 Aug 22

Travis, and everyone involved with the loan process, has been very responsive and supportive. I can recommend American Mortgage Solutions unconditionally. This company exceeded my expectations.

Miguel Blanco

17:14 14 Jul 22

I have to say, I've been working with Jennifer Meinecke and she is absolutely amazing! Very Professional, knowledgeable and helpful. I just want to tell Hern thank you so much for all you do! I will continue working with you!

Ashley Hardy

23:21 01 Jul 22

We had a great experience with this company! Kerie is amazing and was so helpful throughout the whole process. Buying a home is an overwhelming experience, especially as a first time home buyer, but they made the experience so seamless! Would definitely recommend!

Railey Cain

21:43 22 Jun 22

Kris is not only very professional during the entire process, she also made it easy and stress free for us! She was so helpful, and her attitude is always positive and upbeat! I would recommend this company looking to purchase a home! Whenever something needed done, Kris was two steps ahead tackling it!

Mike Hesketh

19:58 12 Jun 22

American Mortgage Solutions was everything you would want for the process - responsive and timely with communication, technically strong with great advice in finding the structure that worked best for us, and accurate/reliable in executing the full process.A very positive experience.

Mikayla McGraw

15:27 07 Jun 22

I worked with Kris Raines during my homebuying experience and she was amazing to say the least! She took so much stress off of the whole process and really made it as easy as possible. She was very responsive very kind and very informative. I highly recommend working with her as she will make the process as smooth as possible for you. I felt she took very good care of me as a client she kept me informed of where we were at in the process as well as prioritized any questions I had and got back to me very quickly. I have three kids two dogs and was moving cross country from Washington to Florida so a lot going on. Kris took so much weight off of moving from me. I can’t thank her enough which is why writing this review because it’s the least I could do. If you are in the process of buying a home or looking to buy a home please get in contact with her because you will have an amazing experience!

Steven H

16:01 26 May 22

Jeremy Fultineer

18:07 24 May 22

American Mortgage Solutions has the best customer service. They make the mortgage loan process easy and comfortable. Five Stars!

Charles Gillespie

16:07 28 Apr 22

candace Spalding

16:45 13 Apr 22

Very helpful and detailed on everything!! Super friendly

cindy calvert

19:15 12 Apr 22

Easiest process I have every been through-Thank you

Janet Brandenburg

21:09 11 Apr 22

We have had 3 contracts , first one fell through because it did not pass inspection, 2nd one was new construction that fell way behind and the 3rd one was our perfect home. Travis was there through all the ups and downs. He was always available to answer any questions we had.Danielle was our loan processor, she walked us through all the things we needed to get together. She would communicate with us and answer any questions we had.I would recommend Travis and Danielle to anyone, family and friends. This was by far the best experience in buying property that we have had in the last 30 years.Professional and friendly, the best.

Joanna Erickson

15:17 07 Apr 22

Every bank told me they couldn’t help me refinance because I hardly had any credit score due to not using credit cards but this business got me approved immediately and now my credit score is well over 700. I highly recommend!

Barbara Durkee

13:21 07 Apr 22

Jim Lyons

18:14 25 Mar 22

Travis was very professional and courteous.

Kylie Nustad

22:34 24 Mar 22

I loved working with Jennifer Meinecke! She was so helpful, friendly and knowledgeable! I highly recommend working with her and this company!

Virginia Brown

00:13 24 Mar 22

Can I share with you what a great company this is!!! Jennifer Meinecke is so sweet and hands down the one I would recommend. She actually cares about you and your needs which is phenomenal!!! It’s hard to find an honest person to really put your trust in, but I will be definitely using her knowledge and help again and refer EVERYONE I know to her!! Thank you for being so awesome at what you do, it shows!!

D Wright

14:27 23 Mar 22

Jennifer Meinecke helped our daughter and son-in-law purchase their home. She was very friendly and diligent. She was helpful to make sure any issue was resolved quickly.

Jonathan Crosby

15:22 22 Mar 22

Helped me with my first mortgage. Easy to work with.

John-Michael Criswell

15:19 22 Mar 22

This company was excellent to work with. Most of the time people only share reviews about companies if they had a negative experience. But my experience was so good with this company that I was compelled to write a review. I highly recommend them for your mortgage needs!

Aw Chestnut

18:23 17 Mar 22

They helped me get a solid loan and did not have to worry at all thanks guys!💖

Cassandra Brown

15:26 16 Mar 22

This is such a great company to get a mortgage from! They helped me from A to Z and navigate my first home buying experience with ease! They are available day and night and will go above and beyond to help you get that mortgage! I will refer all my family and friends here

Juan Vega

19:02 07 Jan 22

Brady and his team exceeded all of my expectations.Easy to communicate with them and they get the job done.

Sheena Odom

16:09 09 Dec 21

Tara is great! She is extremely professional and always available when needed. Highly recommend.

Cherie Lee

22:20 07 Dec 21

Brady was so great to work with. I was going through a hard time personally during the financing of my first home. He went above and beyond to make sure everything was taken care of. He personally tended to things to make my life easier and to make sure nothing slipped through the cracks. His level of compassion and dedication is like no other. He made the loan process bearable during one of the darkest and most heartbreaking times of my life. I was blessed to get to work with him and hope to have the opportunity to work with him again on a future purchase one day.

Purna Tamang

14:24 07 Dec 21

Alan Manias

14:54 26 Oct 21

Nancy Pittman

14:41 02 Oct 21

Travis and Matt provided great service during the mortgage loan process. They were responsive to questions and made sure it moved along. I would definitely recommend to others.

Carrie Cotton

15:28 16 Sep 21

Robert Clark

13:53 16 Sep 21

Always great help with finding the best solutions .

Maureen Sowder

13:55 08 Sep 21

What a great experience! We weren't sure if we were going to refinance it not. When we had a conversation with Kerie Stevens, she asked us what our goals were then very thoroughly explained different scenarios for us to consider. It was easy to make a well informed decision to move forward. We are so thankful we did and Kerie made it a breeze from application to underwriting to closing. Easy, peasy, even long distance! Thank you, Kerie! 5 stars!

Nancy Parisi

22:55 07 Sep 21

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

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.

Jeremy adams

13:44 04 Sep 21

Devan Keown

17:22 03 Sep 21

mosh life

15:05 03 Sep 21

Couldn't have asked for a better experience purchasing my first home. Kris was wonderful to work with.

Danielle Loder

14:08 03 Sep 21

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!!!

Lindsey Conn

13:38 03 Sep 21

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

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!

C.D.

16:08 02 Sep 21

American Mortgage Solutions made the loan process easy, and we were to the closing table quick. Thank you for everything!

Aaron Constant

22:27 31 Aug 21

American Mortgage Solutions helped us understand the loan process, so we knew we were in great hands with our mortgage!

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

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

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.

Julie Perschau

17:34 20 Jul 21

I have had the luxury of working with AMS for my past 2 refinances. The first one I wanted to do a cash out refi. I went to a lender and they said they were not able to help me. I went to AMS, and Brady Webb completed the cash out refi and lowered my interest rate. I went back to them for my second refi and they lowered my rate yet again. They are very helpful and I would highly recommend them to anyone!

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

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!

Anthony Watson

22:03 08 Jul 21

American Mortgage Solutions is one of the best , they are always 2 steps ahead . Travis and Matt were great to work with . Thank You Guys for serving us with Excellence!!!!

Miranda N

21:26 29 Jun 21

Kris with American Mortgage Solutions helped us so much in making sure we understood everything as first time home buyers!! Made the process so much easier for us!

Diego Gonzalez

01:05 28 Jun 21

Highly reccomend. Service was unmatched compared to the other companies I have used in the past. AMS made the process easy for me. Brady Webb was great.

Erica Rosenbaum

22:22 27 Jun 21

I couldn't be happier with the communication and service from AMS. They were very responsive and answered all my questions to ease my nerves from start to closing.

Michelle Godinez

21:56 27 Jun 21

American Mortgage Solutions was a pleasure to deal with. They made the mortgage process smooth and easy. They communicated with me often and made sure to keep me and my realtor up to date. Highly reccomend their services.

MJA

13:05 06 Apr 21

Brady and his team made the entire mortgage process an absolute pleasure.I highly recommend them for all your mortgage needs.

VA Loans

What is a VA Mortgage?

Advantages of VA Loans in Kentucky,Florida, Indiana, Colorado, andTennessee

How Do You Qualify for a VA Mortgagein FL, KY, IN, CO, and TN?

Apply for a VA Loan in Louisville,Cape Coral, or Beyond

See What Our Clients Are Saying About Us!

Advantages of VA Loans in Kentucky,
Florida, Indiana, Colorado, and
Tennessee

How Do You Qualify for a VA Mortgage
in FL, KY, IN, CO, and TN?

Apply for a VA Loan in Louisville,
Cape Coral, or Beyond