"ATM - It's where the money is."

American Team Mortgage is committed to providing personalized residential lending services in California.

The new government stimulus package encourages refinance of many home loans.  March 2009 marks a historic low in interest rates.  Learning if you can lower
your monthly payments is a financially responsible call to make.  Even with home mortgages higher than market value, the government is pushing lenders to
refinance through incentive programs.  In other words, even if your house value is "underwater" we can often refinance you into a much better loan than you have now.

Your highly trained, very experienced loan officer will guide you through the complex system to the best loan for your personal situation.

Everyone has a unique financial situation.  We are acutely aware that a home mortgage directly affects your estate, your taxes and how much money you have leftover to live your life.

Don't be a slave to your home mortgage.  Let ATM show you how to maximize the return on your investment in a safe way that works for you and your family.

We can help with purchases, refinances, home equity lines of credit (HELOC), first and second mortgages.  We can help your real estate professional with seller carry-back notes.

We can help clean up your credit before you buy or refinance and save you lots of money by improving your credit score.

We have people willing to lend in higher risk situations - hard money sources.

In addition to expertise in residential financing, we offer representation for sales and purchases to select clients.

Whether you are looking for a conforming loan or a jumbo, we have many lenders each with many products for us to choose from to fit your financial needs. Because we have built a business with a low overhead, our services are surprisingly less then almost anyone else's.

Call us early in your search for lending services. The sooner you call the better service we can provide.

Special government incentives to purchase!

The federal government has offered thousands of dollars to purchase a home now.  The State of California has a new program to offer thousands of dollars to help purchase a new home.
These programs can be combined in California.  Ask about these special purchase stimulus plans.

105% FNMA Refi Plus offers real hope for some homeowners!

          On March 4, 2009, the Department of the Treasury announced details of the new "Making Home Affordable" plan, which will help millions of Homeowners across the country to take advantage of the today's low interest rates. One specific FNMA program is called "Refi Plus" and will help Borrower's who have previously been unable to refinance solely because of a reduction in the value of their home, which is obviously something beyond a conscientious homeowner's control.  The government plan allows for homeowners to refinance up to 105% of the home's true market value and therefore also lowers principal!

California Department of Real Estate ID 01238584