AmeriChoice Home Loans

Couple With Keys Standing Outside New Home

New Home Owner

You are finally ready to make your dream of home ownership a reality! We can make it happen with mortgage pre-approvals and special programs designed for first-time home buyers. Discover AmeriChoice home loan products for aspiring home owners!

Congratulations! It’s quite the accomplishment to be financially ready to become a home owner. This is an exciting time but can be overwhelming to navigate. Let us make it simple with guidance from our in-house experts and our specialized home loan products.

Home Savers First Time Home Buyer Program

Saving for a mortgage can be challenging. We’re making it easier with our Home Savers Program. The first step is for us to take a look at your finances together. We then come up with a customized saving plan for you so that you can accomplish the goal of owning a home.

Mortgage

Whether a fixed-rate first mortgage or an adjustable-rate mortgage is right for you, we have a variety of options for every type of home buyer! Our hands-on mortgage experts process loans in-house. That means low fees, no-cost pre-approvals, and the ability to ask as many questions as you need!

Check out our FREE First Time Home Buyers Guide here!

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Renovating Home Owner

Improvements to your existing home can increase both property value and livability but getting them done takes cash. Fortunately, funding these upgrades doesn’t have to be a hurdle. AmeriChoice has home loan options to help you update your home to make it the house of your dreams!

Home improvements come in all shapes and sizes. Whether it is fixing the roof, upgrading the kitchen, improving energy efficiency, or any of a thousand other projects, AmeriChoice has a home loan product for you.

FHA Title One Home Improvement Loans

Ideal for property owners who do not yet have equity in their homes, these loans are specifically designed to allow you to borrow money for home improvement projects that protect or improve the livability and utility of the property.

Our favorite features:

  • Loan amounts up to $25,000
  • Loans $7500 and under may be signature only with no equity required
  • Available for any home you own, even rentals
  • Fixed, competitive interest rates
  • Multiple term lengths available, up to 15 years

Home Equity Loan

Fixed rate home equity loans allow you to borrow up to 85% of your home’s equity to support your financial dreams. Start a home improvement project, pay for higher education costs, and even consolidate high-interest debt. These loans are close-ended, meaning you borrow a set amount of money and then pay it back on a fixed interest rate within a certain period of time.

Our favorite features:

  • Multiple term lengths available
  • Fixed, competitive interest rates
  • Eligible product for Member Rewards

Home Equity Line of Credit

A line of credit gives you flexible access to funds based on the equity you have in your home. You can use the line of credit for home upgrades, medical emergencies, college tuition, and more. When the initial loan period is up, apply for a renewal to keep leveraging your home’s equity.

Our favorite features:

  • Borrow up to 80% of your home’s equity on your credit line
  • Competitive, variable interest rates
  • Draw periods up to five years
  • Eligible product for Member Rewards

Our mortgage loans are handled in-house by our hands-on mortgage experts! Whether you need a conventional first mortgage, an adjustable-rate mortgage, a new construction mortgage, or you need to refinance your current mortgage – we have an option for you.

Mortgage

AmeriChoice mortgages feature low fees and no-cost pre-approvals! Visit our specialized online mortgage center today!

Portrait of a young couple holding the keys to their new home

Upgrading Home Owner

Are you taking advantage of the equity in your current home with home equity loans or lines of credit? Or maybe you have outgrown your current home and want to get pre-approved for a larger home. Whatever your situation, AmeriChoice has home loan products that are ideal for existing home owners!

Construction Loan

Build the home of your dreams with a construction mortgage from AmeriChoice. We’ll be with you every step of the way – from purchasing the ideal lot and hiring a contractor, to opening the door to your custom home for the first time.

Mortgage

Whether you looking for the peace-of-mind that comes from a fixed rate mortgage or the flexibility to capture the lowest rate available today, AmeriChoice can help you move up to your next home. Whatever fits with your current lifestyle and future plans, all AmeriChoice mortgages provide:

  • Flexible terms
  • Hands-on mortgage experts
  • Low fees
  • Everything handled in-house
  • No-cost pre-approvals
  • Refinancing available
  • Eligible product for Member Rewards

Bridge Loans

If you’ve found your perfect next home but not yet received the perfect offer on your current house, a bridge loan may help you manage the timing challenges sometimes encountered when upgrading your home. Contact us to see how we can help.

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Down Sizing Home Owner

If you are nearing retirement and don’t want to bring your mortgage payment into the next phase of your life – you might be ready for a downgrade. We have unique products that help downgrading home owners achieve financial freedom in the next stage of their life!

Be mortgage free in time for retirement! We can help you downgrade into a more affordable home, or even refinance your current mortgage to pay off your home faster. Check out our unique product offerings for the downgrading home owner.

Home Stretch Final Mortgage

It’s time to prepare for your retirement.  Shrink the term of your current mortgage and pay off your current home within the next 5-10 years with our final mortgage.  Lower your interest rate with minimal closing costs and glide into the Home Stretch with savings.

  • Competitive Interest Rates
  • Multiple terms up to 15 years available
  • Low fixed rate
  • Borrow up to 85% of your home’s equity
  • Eligible product for Member Rewards

Looking to move? We have the mortgage to help you do it. Our in-house loans offer low fees, no-cost pre-approvals, and flexible terms so you can get the loan that works best for you. Make your last move your easiest move with an AmeriChoice mortgage!

Visit our specialized online mortgage center today!

Ready to Apply?

Home Buyer eBook cover

Need More Information? Download Our Home Buyer Guide.

Whether you are a first time home buyer or looking for a home to retire in, this guide will help you gain a stronger understanding of the ins-and-outs of the home buying process.

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