Reverse Mortgages


  • ​Fixed or variable rate reverse mortgage can be a good solution for senior citizens who want to keep their home without the burden of making mortgage payment or want to keep their payment within their allocated budget
  • For senior citizen with a lot of equity or mortgage payments within their budget, it can be a source of extra cash needed for special occasions or unexpected events.

At Mortgage America Bankers, you can count on us to provide  your real estate financing with honesty, clarity while making you the center of the  loan process. We earn your business by keeping you and your aspirations in mind during the loan process.

We have a multitude of proframs and productsType your paragraph here.

If you are looking for a solution to your financing needs or have a question send us a message or email us at info@mortgageamericabanker.com. Will do our utmost to get back to you within 24 hours.

Home equity lines of credit (HELOC)

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  • HELOC up to 90% of value for owner occupied properties 
  • HELOC up to 80% of value for investment property
  • Draws up to 10 years (5 years on most programs)
  • All programs depends on credit score, debt to income, property value and type.....

Residential mortgages


  • ​FHA loans allowing a minimum of 3.5% down purchase up to 0% down with qualified 2nd mortgage or grants
  • ​FHA cash out refinance up to 85% of the owner occupied property value 
  • Conventional Fannie Mae and Freddie Mac programs for 1st time homebuyers with only 3% down
  • Conventional Fannie Mae and Freddie Mac programs for renovation, rehabilitation and construction 
  • Investment property purchase with conventional loan with 15% down-payment
  • ​2nd Mortgages up to 90% of value for owner occupied property and 75% for investment property
  • HELOC ( Home equity line of credit) up to 90% of value for owner occupied and 80% of value for investment property
  • Loan with alternatives qualification including bank statements, assets, 1099 income (rates are usually higher for these programs)
  • No money down purchase for USDA and VA loans 

DSCR and Commercial Loans


  • DSCR loan are loan that allow you to buy a residential investment property based on the rental income of the property instead of your income. This can be a very useful product for investors looking to build their rental property portfolio 
  • ​DSCR loans up to 80% LTV on purchases (20% down) and 75% on cash ou
  • Multiple commercial loan programs for many property type (mixed use, multi-units, special use property......)

WHat We Do