American Home Mortgage

American Home Mortgage is a direct lender of mortgage loans, and also a Real Estate Investment Trust, giving customers a wider range of options and more competitive rates. The company was founded in 1987 in New York; by 2002 the company had achieved $12 billion in annual loan volume, and now originates loans in all fifty states and the District of Columbia. American Home Mortgage is one of the top twenty mortgage lenders in the U.S. In 2005, the loans generated amounted to $45.3 billion. American Home Mortgage has over 5000 employees, and services $16 billion in residential mortgages.

Loans Ofered by American Home Mortgage

  • Fixed-rate 15, 20, 25, 30 year loans
  • FHA and VA fixed rate loans
  • Adjustable rate loans, with a variety of term combinations
  • Balloon loans, amortized over thirty years, but payable at the end of the term, typically five or seven years
  • Buy-down loans; these loans allow a reduction of the interest rate for the first one, two or three years of the loan, with the remaining years at the rate negotiated at origination
  • Power 5 MTA; reduces the rate of repayment for the first five years to 1.25% of the original loan amount, with a fixed interest rate for the first five years
  • Refinance loans
  • (203)k Home Renovation loans, backed by FHA for purchase or refinance plus rehabilitation of the house

In 2003, American Home Mortgage was listed as the second fastest growing company in the country by Fortune Magazine, on its 15th annual “America’s 100 Fastest Growing Companies.” They showed six-fold revenue growth over the previous four years, and solid earnings per share.

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