100% Financing Loans

100% Financing Loans One of the largest barriers for home ownership in todays market is financing.  Many potential home owners do not have 20% down payment in order to avoid personal mortgage insurance.  However, our team at All American Financial Services has a solution! There are two major ways to achieve 100% home loan financing....

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First Time Buyer Loans

First Time Buyer Loans Are you a first time home buyer?  All American Financial Services has financed thousands of first time home buyers.  The process may be somewhat confusing, but don't worry because our team has you covered. To start, were going to request certain documents like last two years of W2 or bank statements....

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Home Improvement Loans

Home Improvement Loans Home improvement financing is very similar to personal home loans with fixed interest rates.  All American Financial Services offers both secured and unsecured home improvement loans.  However, if your looking for an unsecured home improvement loan, the bank is going to want you to have very good credit.  However, if your credit...

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Conventional Loans

Conventional Loans This type of loan is available to most types of borrowers for the purchase or refinance of a single family home whether or not the home is occupied by the owner.  This type of loan requires either 20% minimum down payment or equity. If the equity is not sufficient a borrower can still...

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Commercial Loans

Commercial Loans American Financial Services offers a wide variety of loans.  One of the most popular is commercial financing.  Commercial loans are used purchasing  properties such as apartments, commercial buildings or to cover operational costs. With commercial real estate loans, the property serves as collateral for the loan.  This is one of the reasons our...

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VA Loans

VA Loans This type loan  is available for qualified veterans who's served our country.  This loan is for owner occupied residential structures.   VA guarantees the lender against potential loss.  The VA collects a funding fee on each loan made to a veteran. It is funded in the loan and does not come out of the...

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Debt Consolidation Loans

Debt Consolidation Loans All American Financial Services can help you refinance your house for debt consolidation purposes.  One of the major benefits to home loan debt consolidation is reducing credit card interest to one low fixed home loan rate.  With that being said, debt consolidation save you money and reduce stress. There are other options...

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FHA Loans

FHA Loans This type of loan is available only for owner occupied residential structures.  FHA insures the lender against potential loss.  In the event the loan defaults, the lender is protected against losses.  The losses are paid with mortgage insurance funds collected from all FHA borrowers. Typically 1.75% is collected up front but funded in...

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Trust Deed Investments

Trust Deed Investments For the private money loans that we fund, we have private investors that request from us  Trust Deed Investments.  This investment is not as liquid as some other  investments but provides a large and steady return, typically between 8%- 10% return.  The lender name is recorded as a lien against the property....

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Private Money Loans

Private Money Loans This type of financing is between a borrower and a private individual or individuals and secured by real property.  The most important factor in this type of loan is equity.  We rarely fund a loan for more than 65% of the real estate value.  A borrower seeking this type of loan may...

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Notary Services

Notary Services We provide notary services by appointment in our office or we can travel to the client.  We can provide a discount for multiple documents.

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Home Loan Refinance

Home Loan Refinance There are multiple reasons homeowners refinance their properties.  However, here are some of the most popular: Cash-Out Refinance The purpose of a cash-out refinance is to pay off credit card, installment and other forms of debt with high interest rates.  This can help homeowners reduce their number of monthly payments and reduce...

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Purchase Money Loans

Purchase Money Loans

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Construction Loans

Construction Loans All American Financial Services offers two types of construction loans.  The first being construction-to-permanent and the other being stand-alone construction. Some of the key differentiators are that with construction-to-permanent you essentially borrow money from the bank to pay for construction costs.  However, when you move into the residence, the lender typically converts the...

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Loan Servicing

Loan Servicing For a fee our company will service a Note secured by real estate.  Because we are experts on real estate servicing and the rules for collecting debt, this can be a valuable service.  We accept payments from the borrower, then disburse the funds to the lender.  At the end of the year, we...

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USDA Loans

USDA Loans This type loan is available for qualified buyer if the single family home is in a designated rural area.  This program is similar to the fha loan except that the mortgage insurance paid monthly is .35% of the loan amount instead of .85% AND  this loan requires no down payment compared to FHA...

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Hypothecation of a Note

Hypothecation of a Note This service would be beneficial if the client sold a home and carried paper or has any type of note secured by real estate. We can buy the note out completely, we can lend (hypothecate) against the note, or we can buy a string of payments for an agreed upon price. ...

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