Loan Programs

The following is a partial list of programs offered by American Nationwide Mortgage Company with a brief description of the key elements of each. For a complete list of the programs that we offer, please contact us at 877-219-4684.

These materials are not from HUD or FHA and were not approved by HUD or a government agency.

Conventional Fixed Rate Mortgages (FRM)

A popular loan type, conventional fixed rate loans feature a constant interest rate for the life of the life. Generally speaking, monthly payments remain constant. Traditionally borrowers are expected to provide a 20 percent down payment though this is not necessarily required. Contact us for details on down payment requirements.

Available terms generally range from 10 years, 15 years, 30 years and 40 years.

Adjustable Rate Mortgages (ARM)

Adjustable rate mortgages are loans where the interest rate is recalculated on a yearly basis depending on market values. As interest rates are adjusted so is the borrower's monthly payment. While interest rates on ARM loans are generally lower than fixed rate loans they can eventually become higher.

Various types of ARM loans include Hybrid ARMs such as 10/1 year, 7/1 year, 5/1 year and 3/1 year programs. Contact us for more information on adjustable rate mortgage loans.

Refinance Mortgage Loans

Homeowners looking to decrease their interest rate may consider refinancing. A refinance calls for the homeowner to obtain another mortgage loan. Those funds are then used to pay off the original mortgage loan and the homeowner is then bound by the terms of the new mortgage. Depending on your situation a refinance loan could be a great option.

Along with decreasing your interest rate, refinance loans can also help you switch from an ARM to a FRM, and in some cases reduce your loan term.

FHA Mortgage Loans

FHA loans are private loans insured by the federal government. These loans are popular with borrowers who don't have enough funds to pay a traditional 20 percent down payment because they only require 3.5 percent down to qualify. Those who choose these loans are required to pay mortgage insurance which slightly increases their monthly payments.

Lenders who wish to offer these loans must be approved by the Department of Housing and Urban Development. Please contact us today to find out if a FHA loan is right for you.

VA Mortgage Loans

Like a FHA loan, VA loans are private loans insured by the federal government. VA loans are only available to qualified military veterans and their families. These loans are only available to these individuals for their own primary residences and cannot exceed a $417,000 loan limit.

For information on qualifying for this loan program please give us a call today.

Jumbo Loans

A jumbo loan, or non-conforming loan, usually means any home loan for amounts higher than $417,000. Jumbo loans feature similar loan programs to fixed rate and adjustable rate programs. There are even FHA jumbo loans. The main difference between jumbo loans and conforming loans is the interest rate. Because jumbo loans are riskier for lenders they usually have higher rates.

Learn more about jumbo loans by contacting us today.

Construction Loans

Construction loans are used to finance the construction of a new structure. Whether you're interested in building a brand new home for you and your family or you're looking to construct a commercial property we can help craft a terrific lending solution. Each loan is as unique as the property you're looking to construct.

We look forward to your questions about construction loans. Please call us to find out more.

Home Equity Loans

Home equity loans call for the borrower to acquire a new loan on an already mortgaged property using the equity you've built as collateral. Home equity loans are typically reserved for those looking to pay down medical or consumer debt, start a business or pay tuition. Please contact us directly if you're interested in a home equity loan.

Most states restrict the amount of money one can borrow against their home. Interest rates on home equity loans are generally higher than conventional loans.

Reverse Mortgage Loans

Reverse Mortgages or (Home Equity Conversion Mortgages HECMs) are a special home equity loan for homeowners of 62 years of age or older. These loans allow borrowers to borrow against the equity that they have built up over years of paying down the mortgage on their home to supplement their retirement income. The loan itself will have fees and closing cost involved as there is with any mortgage transaction. Also there is interest added to the loan balance each month, the loan balance grows over time, and funds may be disbursed via a lump sum single disbursement, in monthly payments, or as a line of credit. Borrowers generally do not have to pay back the loan while themselves or an eligible spouse live in the home; however, borrower must continue to pay taxes, insurance, utilities and to maintain the home in order to continue to occupy the home. "Non-borrowing" spouses may be eligible to continue living in the home after the borrower passes away; however, the non-borrowing spouse will stop receiving the money from the reverse mortgage after the borrower spouse passes away. The loan becomes due in full at the time the last borrower, co-borrower, or eligible spouse either passes away, sells the home, or moves out. Borrower's estate or heirs may pay off the reverse mortgage through the sale of the home or retain the home via a refinance (neither the borrower nor their heirs will have to pay back more than the home is worth). Reverse mortgage is not a risk free loan and should be considered carefully; for more information on reverse mortgage visit the Consumer Financial Protection Bureau website at www.consumerfinance.gov/askcfpb/233/reversemortgage.html

Broker Disclosure
All programs subject to change without notice. All services rendered by American Nationwide Mortgage Company (NMLS# 13392) are to assist in providing mortgage loans. American Nationwide Mortgage Company brokers out this loan. Subject to borrower qualification. The information on this section is intended for informational purposes and is not an offer to extend credit.

American Nationwide Mortgage Company

1054 Kings Ave
Jacksonville , Florida 32207
Phone: 877-219-4684
NMLS: 13392
Branch NMLS: 1626703
Click here to be directed to the NMLS Consumer Access Site

Privacy Policy

American Nationwide Mortgage Company, Inc. and Your Privacy
Thanks for visiting our internet site. We have a tendency to recognize that privacy is a vital issue for our guests and we want them to understand that we have a tendency to take privacy seriously. Please take a moment to review our privacy policy, which describes what types of personally and non-personally identifiable info we have a tendency to collect from visitors; the needs for that we use this data, and to whom and beneath what circumstances we have a tendency to disclose this information.

The Assortment of Info
When visitors access this website, we might automatically collect non-personally identifiable info concerning them, as well as, among alternative things, the links visitors use to arrive here, the domain and host from that visitors access the Internet, the kind of web browser that visitors use the kind of operating system in use, IP addresses, and the amount and frequency of visitors who visit various pages of our site.

We solely collect personally identifiable information concerning visitors once they voluntarily submit it to us. As an example, we tend to raise for information when a visitor registers for a service or event or applies for a loan at this website. We may also raise for a visitor's name and e-mail address if the visitor wants to submit a query to us via e-mail message, utilize e-mail features, or subscribe to a newsletter, e-mail alert, or different e-mail subscription service.

Use of Data
We tend to could use non-personally identifiable data collected from guests to American Nationwide Mortgage Company, Inc. to conduct reviews of our web site, to guide selections concerning the development of American Nationwide Mortgag Company e, Inc. and to supply an enhanced online expertise for our visitors. We have a tendency to may also use such information to spot, on an mixture basis, general trends that will, as an example, assist us in determining how to work with lenders to produce a wider array of products.

We tend to might use personally identifiable data collected from guests for any of the following functions: (one) to answer visitors' queries, (two) to produce services, newsletters, and other info that visitors specifically request or register for through our Web site, (3) to develop and improve American Nationwide Mortgage Company, Inc., (4) to protect the protection and integrity of American Nationwide Mortgage Company, Inc., or (5) for internal business purposes.

Disclosure of Information
American Nationwide Mortgage Company, Inc. might transfer or otherwise disclose the information it collects from its internet web site visitors to contractors, consultants, and alternative service suppliers, if the disclosure will enable that party to perform a business, skilled, or technical support operate for the visitor to the present website. For example, we might use service providers to offer customized search capabilities, to assist offer services and data upon a visitor's request, or to boost the performance of American Nationwide Mortgage Company, Inc. We need these service suppliers by contract to keep any personally identifiable data guests provide to American Nationwide Mortgage Company, Inc. confidential.

American Nationwide Mortgage Company, Inc. might conjointly transfer or otherwise disclose personally identifiable info (one) in response to judicial process, (two) to shield against or stop actual or potential fraud, claims, or alternative liability, (three) to supply info to law enforcement agencies or in affiliation with an investigation on a matter connected to public safety (as permitted by law), or (4) if needed to do thus by law.

As such, our business is to put mortgage brokers and lenders in touch with you to meet this service. When you fill out the shape on our web site, you consent to being contacted by one or more service providers.

This web site collects info from new and existing customers at various points throughout the website. Solely together with your consent, we have a tendency to could share this info to figure with trusted third party business partners who might contact you to subscribe to or use their products. We work with numerous trusted companies in the loan, insurance and credit industries. Trusted corporations are corporations outlined as adhering to our strict agreements and shield your personal info from distribution, loss, theft and misuse.

We may use the data that we collect from you in many ways. We have a tendency to will solely do thus if you authorize us to, and our service providers are bound by agreement with us to honor your request. 1st, we tend to, or a 3rd party advertiser with which we have a tendency to have contracted ("Advertiser"), share your registration data with the acceptable service provider in order for these service providers to contact you. We tend to might conjointly use the information to enable us, or one of our service providers, to notify you of special offers available to consumers, and for different, similar purposes. You'll be able to control whether or not you receive such e-mails by following the directions on this website, and we will build every reasonable effort to honor your request. We might also use the data you offer to permit us to contact you for administrative purposes, for instance, to inform you regarding changes to our privacy policy.

We tend to could also use certain information that you simply offer in order to present you with advertising that you'll find interesting. This advertising may be on the web site itself or through promotional emails from us or the Advertiser. This benefits each of us. It edges you as a result of you see advertising which will really be interesting to you, rather than annoying. It advantages us because advertising helps us pay the bills, and we can charge our advertisers additional if they understand that their ads will be seen by somebody more possible to seek out them useful.

American Nationwide Mortgage Company, Inc. might sell or rent personally identifiable information to a 3rd party alternative than our lending institution affiliates or any acquirer as mentioned below, like the Advertiser. Additionally, we may combination personal info from all of our users and offer that data in the aggregate to other parties, including Advertisers, for selling and promotional purposes. However, if we tend to do therefore, that info can not be during a approach that can enable any third party to identify you personally.

American Nationwide Mortgage Company, Inc. must cooperate with legal authorities, and could in some circumstances be needed to disclose personally identifiable data in response to requests from law enforcement authorities, or in response to a subpoena or alternative legal process. We tend to don't expect this to happen, however if it does, we can give only the data required. We can also turn over info about you if we have a tendency to believe we have a tendency to must in order to prevent a violation of the law, and by accepting this policy, you consent to our right to try and do therefore, in our sole discretion. You furthermore mght consent to our disclosing data concerning you within the course of legal proceedings if we tend to are legally required to try and do therefore, if we have a tendency to reasonably believe that doing so might mitigate our liability, or if doing therefore will assist us in imposing our legal rights.

At some purpose, American Nationwide Mortgage Company, Inc., could have related companies, merge with, or be acquired by another company. When that happens, then we may divulge heart's contents to them the information you've got provided to us, in which case we will request them to abide by this policy. We could additionally disclose some info to a possible acquirer, though such disclosure would be subject to restrictions on use.

American Nationwide Mortgage Company, Inc. shall not be responsible or liable for any product, services, data or different materials displayed, purchased, or obtained as a results of any information or offer in or results of any kind obtained in affiliation with this website, together with, without limitation, any agent referrals, loan recommendations, application, approval, pre-qualification, loan or interest rate analysis. Nothing on this web site contains an provide, promise or otherwise, either to make a particular loan or that any taking part lender or broker can create any loan for any purpose or on any specific terms.

In no event shall American Nationwide Mortgage Company, Inc. be at risk of anyone for any delays, inaccuracies, errors or omissions with respect to the data or the transmission or delivery of all or any half thereof, for any harm arising therefrom or occasioned thereby, or for the results obtained from the employment of the information. The entire risk as to the accuracy, adequacy, completeness, currentness, validity and quality of any data is with the user.

American Nationwide Mortgage Company, Inc. works to keep up the best professional standards of confidentiality and integrity.

Cookies
A "cookie" is a tiny text file that is placed on the onerous drive of a visitor's computer. We have a tendency to use cookies for several functions like (1) to provide better service and a more effective web website, (2) to facilitate interaction with visitors' browsers, (three) to collect non-personally identifiable knowledge, (4) to acknowledge visitors after they come to our website, and (five) to enable visitors to save information to view later. To view stored data at a later time, however, guests must generally access this web site from the same personal pc that they originally provided the data.

Most browsers are initially set to just accept cookies to store information. Guests are always free to decline cookies, but in doing thus they will not be in a position to use sure options on this website.

Different Internet Sites/Linked Third Parties
This web site might contain links to third party web sites. Our privacy policy will not apply to those linked sites. In addition, American Nationwide Mortgage Company, Inc. does not endorse and isn't responsible for the privacy practices or content of any of the linked sites. We tend to generally don't have any control over the way in that the sponsors of the third party sites collect and use information. Therefore, we suggest that guests review the posted privacy statements on any net web site they visit.

Security
We have a tendency to maintain physical, electronic, and procedural safeguards to keep up the confidentiality, security, and integrity of guests' personally identifiable information.

We tend to permit access to personally identifiable information only to persons and entities engaging in activities permitted by this privacy policy.

Though we have a tendency to strive to take care of the very best standards of privacy, no knowledge transmission over the Internet or any wireless network will be sure to be one hundred% secure. American Nationwide Mortgage Company, Inc. cannot guarantee or warrant the security of any info guests transmit to us and guests do so at their own risk.

Changes
We reserve the proper to revise or change the terms of the American Nationwide Mortgage Company, Inc. privacy policy in the longer term to reflect modifications to our site. To ensure that visitors are responsive to our current privacy practices, we tend to recommend that they check this site periodically. We tend to can not materially change how we handle previously collected personally identifiable information without providing notice and choice on how we use this information

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Customer Complaint Policy

It is the policy of our company to respond to customer complaints, disputes and issues immediately, to take each complaint seriously, to investigate each complaint however small it is – immediately and to take remedial actions swiftly.

As soon as a complaint is received, it is documented and is logged into a special log. The complaint is sent directly to the Customer Complaint Officer or his designate, in order to take action.

All complaints and records of complaints are kept in a special complaints binder along with all the Customer Complaint Officer’s Quality Control Files and other written policies so employees can easily access them and use them to provide better customer service. Reports on complaints are reviewed during the Customer Complaint Officer’s meetings with our Board. We are focused on providing financial products and services to all customers in compliance with all Federal and State regulatory policies including but not limited to consumer protection, fair lending and civil rights laws.