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American Mortgage Finance

Mortgages for Buying a Home

Home Purchase, $8000 Homebuyer Tax Credit

.....American Mortgage Finance: America's Source for Mortgages, FHA Loans, Home Loans, Home Purchases

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First-Time Home Buyer Tax Credit:

$8000.00 Tax Credit Provides Outstanding Opportunity for First-Time Home Buyers

In its efforts to stimulate the economy and revive the housing market, Congress has enacted legislation providing a tax credit of up to $8,000 for first-time home buyers.

But time is of the essence for buyers who want to take advantage of this opportunity. Only homes purchased on or after January 1, 2009 and before December 1, 2009 are eligible. Click here to find out more about the tax credit.

Are you pre-qualified or pre-approved for a home purchase loan?
Before you begin to shop for a new home, you should set up a time to speak with us so we can figure out how much you can afford. This will put you in a better position as a buyer. That's when it is important to understand the distinction between being pre-qualified for a loan and pre-approved for a loan. The difference between the two terms will be crucial when you decide to make an offer on a house.

Rent vs. Buy Calculator
Should you rent or should you buy your home? It takes more than looking at your mortgage payment to answer this question. This calculator helps you weed through the fees, taxes, and monthly payments to help you make a good financial decision.

To get pre-qualified for a loan, we will collect information about your debt, income, and assets. We'll look at your credit profile and assess your goals for a down payment and get an idea of the different loan programs that would work for you. We will issue you a pre-qualification letter indicating the amount you are pre-qualified to borrow.

It is important to understand that a pre-qualification letter is just an estimate of what you are eligible to borrow, not a commitment to lend. Getting pre-approved for a loan gives you competitive advantage when the time comes to bid on a home because you have been approved for a loan for a specified amount.

Get Pre-Qualified

To get pre-approved, you will complete a mortgage application and provide us with various information verifying your employment, assets and financial status such as W-2 forms, bank records and credit card statements. We'll review your mortgage options and submit your application to the lender that best meets your needs. Once the application process is complete you will receive a pre-approval letter indicating the amount your lender is willing to lend you for your home.

Get Pre-Approved

A pre-approval letter is not binding on the lender; it is subject to an appraisal of the home that you wish to purchase and certain other conditions. If your financial situation changes (e.g. you lose your job), interest rates rise or a specified expiration date passes, your lender must review your situation and recalculate your mortgage amount accordingly.

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American Mortgage Finance, Inc.

Toll Free: 1-866-503-REFI

email: info@americanmortgagefinance.net

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Equal Housing Lender

USDA Rural Development Mortgages

*American Mortgage Finance, Inc. may ask you to provide information only for reference. We do not sell private information to outsiders for any other activity.

FHA Lender ID# 29356 0000-1

Licensed by the Pennsylvania Dept. of Banking as 21850

Licensed by the Maryland Department of Financial Regulation as 18446

Licensed by the Virginia State
Corporation Commission as MC-5248

Licensed by the Florida Office of Financial Regulation as MBB-0707983

Licensed by the Delaware Office of the State Bank Commissioner as 010542

Licensed by the Colorado Department of Regulatory Agencies as 100015174

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