Why American Home Funding?Our management team has worked together for over 25 years. As mortgage bankers we started focusing on new construction purchase business in the late 1980’s by working closely with some of Jacksonville’s top builders and being chosen as their preferred lender. These relationships provided us with valuable expertise in construction lending.
We understand new construction requirements for Conventional, FHA, VA and Rural Housing programs. We provide Jacksonville’s builders and realtors with the latest in mortgage financing programs and the excellent service we’ve become known for. We work with local and national banks to bring the best of their programs to our clients.
Since 2008 the mortgage business has been significantly altered both by the recession and government regulation. The result has been increased scrutiny of both the consumer and the banks providing funds for mortgages. This is why it’s important to work with seasoned professionals who understand mortgage financing and who are continually updated on regulatory changes. Since 2010, each employee of American Home Funding has been re-licensed by the State of Florida as a mortgage broker and passed extensive background checks, a national mortgage licensing exam (NMLS), and participates in continuing education regularly. At AHF we continue to update our knowledge in an effort to give the most professional advice and service.
SOME OF THE THINGS WE DO
FHA loans have been helping people become homeowners since 1934. The Federal Housing Administration (FHA) - which is part of HUD - insures the loan, so we can offer you a better deal.
A VA loan is a mortgage loan in the United States guaranteed by the U.S. Department of Veterans Affairs. The VA loan was designed to offer long-term financing to eligible American veterans.
A conventional mortgage refers to a loan that is not insured or guaranteed by the federal government. A conventional, or conforming, mortgage adheres to the guidelines set by Fannie Mae and Freddie Mac. It may have either a fixed or adjustable rate.