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  AmCap Mortgage Refinance
AmCap Mortgage Refinance
in Mortgage Refinance from AmCap Mortgage · NMLS ID #129122
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AmCap Mortgage Refinance

Unaffiliated
in Mortgage Refinance from AmCap Mortgage · NMLS ID #129122
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Highlights
Loan Amount $50,000 - $3,000,000
Loan Term (Years) 15 - 30 years

AmCap Mortgage Refinance Review

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

Key Takeaways
  • 4 different mortgage programs offered. AmCap Mortgage Refinance refinances FHA, FHA 203k, 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 Mortgage Refinance.
  • Non-standard interest rates available. AmCap Mortgage Refinance offers hybrid mortgages, and fixed-rate mortgages.
  • Considers personal use and investment properties. Refinancing available for primary homes, vacation homes, and even investment homes, such as rental properties.
  • Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.
AmCap Mortgage Refinance Pros & Cons
Pros Cons
  • Available in 35 states.
  • Charges an origination fee.
  • Charges prepayment fees.
AmCap Mortgage Refinance FAQ

What range of mortgage balances will AmCap Mortgage Refinance refinance?

Mortgage refinancing loans start at $50,000 and go up to $3,000,000

What is the maximum loan term for a mortgage refinance via AmCap Mortgage Refinance?

The term of a mortgage refinance will impact the cost of your monthly payments. Longer terms will typically reduce your monthly payments but it will also increase the interest you pay. AmCap Mortgage Refinance offers mortgage refinancing with terms ranging from 15 to 30 years.

How long does AmCap Mortgage Refinance take to refinance?

AmCap Mortgage does not provide details on the average time to close a refinance. However, it typically takes 30 to 45 days to complete a refinance. Of course, a lot depends on the market, the lender, and how long appraisals and inspections take.

Does AmCap Mortgage Refinance charge a mortgage origination fee?

Yes, AmCap Mortgage Refinance will charge a loan origination fee.

What mortgage programs does AmCap Mortgage Refinance offer?

AmCap Mortgage Refinance offers the following mortgage types:

  • Conventional mortgages: This includes any mortgage that is not insured or guaranteed by the federal government.
  • FHA: Mortgages insured by the FHA, which usually have less stringent eligibility requirements, but borrowers must pay a mortgage insurance premium. Co-applicants are allowed and you can qualify for a down payment as low as 3%.
  • FHA 203k: An FHA mortgage you can also use to finance home improvements.
  • USDA: A zero down payment mortgage loan with low rates for suburban and rural homebuyers.
  • VA: A zero down payment mortgage or a refinance of up to 120% of the home's value for American military members, veterans, and their spouses.

What property usage types does AmCap Mortgage Refinance allow?

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

  • Primary home
  • Secondary homes and vacation properties
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Availability

  Available in 35 states and Washington, D.C.
  • Alabama
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Delaware
  • Washington, DC
  • Florida
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Louisiana
  • Maryland
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • New Mexico
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Washington
  • West Virginia
  • Wyoming

Feature Breakdown

Intended Use
  • Investment
  • Primary Home
  • Secondary Home
Loan Term 15 - 30 years
Loan Amount $50,000 - $3,000,000
Interest Rate Types Offered
  • Hybrid Mortgage
Mortgage Programs
  • FHA
  • FHA 203k
  • USDA
  • VA
Terms 5/1, 7/1, 15, 30 years

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