Products to Fit Every Need

Summary: AMB is proud of our hundreds of employees who are dedicated to solving complex financial problems. Our many professionals are eager to help you whether you are purchasing or refinancing. You can read about our most popular mortgage products in this section.

"The importance of home ownership is perhaps best evidenced in the opening of the Indian lands in Oklahoma Territory in the late 1800's when pioneers risked their lives to race for 160-acre homesteads. It has become one of the most dramatized episodes in western history."

Conventional Mortgages

The majority of all mortgages originated conform to FNMA and FHLMC guidelines. Because of our relationship with both FNMA and FHLMC, we are able to underwrite and conditionally approve mortgages in minutes. Greater detail regarding conforming loans (including loan limits) is found on our Conventional Loan page.

FHA Financing

The Department of Housing and Urban Development makes available guarantees through the Federal Housing Administration (FHA) that encourage lenders to provide money to borrowers with less down payment or with higher ratios than conforming loans allow. Understanding the flexibility of FHA loans is one of our major strengths. To learn more about our special programs visit our FHA Mortgage page.

VA Loans

The Department of Veterans Affairs (VA) allows eligible borrowers to finance 100% of the purchase price of a home. As a prior approved lender we help veterans who are interested in purchasing with little or no money down. Existing VA home owners may wish to take advantage of the VA streamline interest rate reduction loan program. We bet you didn't know that you are probably already approved to lower your higher than market interest rate? The VA wants us to help you save money. See our VA Mortgage page to learn more.

JUMBO

Loans that exceed in size the maximum loan amounts for FNMA and FHLMC are called JUMBO loans (you can find the limits on our Conventional Mortgage page. Contrary to the theory of economies of scale, JUMBO loans are more expensive than conforming ones. Our JUMBO Loan page goes into greater detail as to why this happens.

Creative Finance

Our Creative Financing page details a wide variety of options ranging from private investors for borrowers with damaged credit profiles to financing in excess of 100% of the value of your home. A recent study showed over 40% of home owners have planned home improvements sometime in the next 12 months. Are you one of them? If so, our creative financing programs might help you. How about buying a home with no money down or even getting money to get one? Now that's creative!