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Last Updated: 04/18/2025

AmCap Purchase Mortgage

in Home Mortgage Loans from AmCap Mortgage

Last Updated: 04/18/2025

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Highlights

Credit Score Range

N/A

Amount Range

$50,000 - $3,000,000

Loan Term (Years)

N/A

AmCap Purchase Mortgage Review

AmCap Purchase Mortgage is offered by AmCap Mortgage (NMLS #129122), a direct lender founded in 2002 and based in Houston, TX. AmCap Mortgage are available in 35 states and Washington, DC.

Key Takeaways

Wide selection of mortgage programs offered. AmCap Purchase Mortgage offers FHA, USDA, VA, conforming, and conventional mortgages.
Specializes in multi-family properties. Only offers mortgages for multi-family properties, but not for single-family homes or manufactured homes.
Refinancing for large mortgages. You can refinance mortgages with balances of up to $3,000,000 with AmCap Purchase Mortgage.
Non-standard interest rates available. AmCap Purchase Mortgage only offers hybrid mortgages.
Only primary residences considered. AmCap Purchase Mortgage does not offer financing for vacation homes or investment properties.
Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.

AmCap Purchase Mortgage Pros & Cons

Pros

Cons

Available in 35 states.

Charges an origination fee.
Charges prepayment fees.
No co-sign option available.

AmCap Mortgage FAQ

How much can you borrow via AmCap Mortgage?

AmCap Mortgage allows borrowers to apply for loan amounts of up to $3,000,000. Note that the maximum loan amount you can borrow will also vary depending on the type of mortgage you choose, regardless of the lender you choose.

What mortgage rates does AmCap Mortgage offer?

Mortgage rates change daily based on market conditions and vary significantly depending on the loan type and the length of the term. For instance, fixed rate mortgages will typically have a higher interest rate than mortgages with variable rates, and jumbo loans usually have higher mortgage rates than conforming conventional loans. Find the best interest rate available to you by getting quotes from three or more mortgage lenders before choosing a home loan.

Do they charge mortgage origination fees?

Yes, AmCap Mortgage may charge a loan origination fee .

What mortgage programs are available?

Besides conventional mortgages, AmCap Mortgage offers the following mortgage types:

FHA loans: FHA loans are mortgages insured by the FHA. They offer competitive mortgage rates and have less stringent eligibility requirements. However, borrowers must pay a mortgage insurance premium. For instance, you can apply for an FHA loan with a credit score as low as 580. Co-applicants are allowed and you can qualify for a down payment as low as 3%.

What property usage types does AmCap Mortgage allow?

Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. AmCap Mortgage allows the following property usage types:

Primary home
Investment properties and house flipping projects

What is the customer service phone number?

The customer service number for AmCap Purchase Mortgage is (800) 919-9101.

What is the support contact email?

The support contact email for is info@myamcap.com.

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Contact

Headquarters

9999 Bellaire Boulevard

Suite 700,

Houston, TX 77036

(800) 919-9101

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