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  AMEC Home Loans Mortgage Refinance

AMEC Home Loans Mortgage Refinance

in Mortgage Refinance from AMEC Home Loans · NMLS ID #150953

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AMEC Home Loans Mortgage Refinance

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in Mortgage Refinance from AMEC Home Loans · NMLS ID #150953

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Highlights
Loan Amount $35,000 - $1,500,000
Loan Term (Years) 10 - 30 years

AMEC Home Loans Mortgage Refinance Review

AMEC Home Loans Mortgage Refinance is offered by AMEC Home Loans (NMLS #150953), a direct lender founded in 2007 and based in Edina, MN. AMEC Home Loans Mortgage Refinance is available in 17 states across the USA.

Key Takeaways
  • 5 different mortgage programs offered. AMEC Home Loans Mortgage Refinance refinances FHA, FHA 203k, HARP, 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.
  • Non-standard interest rates available. AMEC Home Loans 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 refinance loan early.
AMEC Home Loans Mortgage Refinance Pros & Cons
Pros Cons
  • Charges an origination fee.
  • Charges prepayment fees.
  • Only available in 17 states.
AMEC Home Loans Mortgage Refinance FAQ

What range of mortgage balances will AMEC Home Loans Mortgage Refinance refinance?

Mortgage refinancing loans start at $35,000 and go up to $1,500,000

What is the maximum loan term for a mortgage refinance via AMEC Home Loans 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. AMEC Home Loans Mortgage Refinance offers mortgages refinancing with terms ranging from 10 to 30 years.

What is the estimated funding time for a mortgage refinance with AMEC Home Loans Mortgage Refinance?

AMEC Home Loans Mortgage Refinance will typically fund mortgage refinances within day of approval.

Does AMEC Home Loans Mortgage Refinance charge a mortgage origination fee?

Yes, AMEC Home Loans Mortgage Refinance will charge a loan origination fee.

What mortgage programs does AMEC Home Loans Mortgage Refinance offer?

AMEC Home Loans 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.
  • HARP: A mortgage refinance program for home loans owned or backed by Fannie Mae or Freddie Mac. No minimum credit score or value appraisal required.
  • 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 AMEC Home Loans Mortgage Refinance allow?

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

  • Primary home
  • Secondary homes and vacation properties
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

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Availability

  Available in 17 states
  • Arizona
  • California
  • Colorado
  • Florida
  • Illinois
  • Indiana
  • Iowa
  • Michigan
  • Minnesota
  • New Mexico
  • North Dakota
  • Oklahoma
  • South Dakota
  • Texas
  • Utah
  • Virginia
  • Wisconsin

Feature Breakdown

Intended Use
  • Investment
  • Primary Home
  • Secondary Home
APR Starting at 4.193%
Loan Term 10 - 30 years
Loan Amount $35,000 - $1,500,000
Interest Rate Types Offered
  • Hybrid Mortgage
Mortgage Programs
  • FHA
  • FHA 203k
  • HARP
  • USDA
  • VA
Terms 3/1, 5/1, 7/1, 10/1, 10, 15, 20, 25, 30 years

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