Home     Loan Center     Products     About Us     FAQ     Resources   Products AmericaHomeKey offers a variety of loan programs to meet your needs. We work with leading national mortgage investors to bring you the best programs and rates. Only our most popular loan programs are shown below; there are many other niche programs we can offer you including adjustable rate loans and high loan-to-value loans with reduced or limited documentation. If you're interested in an alternative lending product, please call or email. We'll be pleased to assist you with your financing.   Conventional 30-Yr. Fixed Conventional 15-Year Fixed 30 Year Fixed Rate Agency Jumbo Mortgage (economic stimulus package) 5 Year Adjustable Rate Mortgage FHA/VA 30 year fixed rate mortgage Conventional 30-Yr. Fixed 30-Year fixed rate loan with fixed monthly principal and interest payments. There is no prepayment penalty and the loan is not assumable. Mortgage insurance is required for any loan that is more than 80% of the value of the property (lower of sales price or appraisal). 90% investment property purchase and 90% cash-out refinance loans on primary residences are also available. Term: 30 years   Maximum Amount: $359,650   Rates and points quoted are for 25-day locks -- add-ons may apply for different loan features. Conventional 15-Year Fixed 15-Year fixed rate loan with fixed monthly principal and interest payments. There is no prepayment penalty and the loan is not assumable. Mortgage insurance is required for any loan that is more than 80% of the value of the property (lower of sales price or appraisal). 90% investment property Term: 15 years   Maximum Amount: $359,650   Rates and points quoted are for 25-day locks - add-ons may apply for different loan features. 30 Year Fixed Rate Agency Jumbo Mortgage (economic stimulus package) 30 year fixed rate mortgage. Jumbo loan amounts with up to 90 LTV% (one lien) up to $729,750. Cash out mortgages with 70% financing available to $729,750. An interest only payment feature option is available for the first 10 years of the mortgage term, offering significantly lower payments. Geographic locations and loan amounts based on those restrictions apply. See following link for loan amount and geographic location eligibility. https://entp.hud.gov/idapp/html/hicostlook.cfm Term: 30 years   Maximum Amount: $729,750 Rates Points APR 6.625% 0.375% 7.169% 6.75% 0% 7.258% 5 Year Adjustable Rate Mortgage 30 or 15 year term mortgage that is fixed for the first 5 years, then converts to an annual adjustable rate. Maximum loan amount is $750,000 with 95% financing available to $525,000 for a purchase transaction. Cash out mortgages are available outside Texas with 85% financing available to $650,000. The index is based on the 1 Year Treasury Rate. Term: 30 years   Maximum Amount: $750,000 FHA/VA 30 year fixed rate mortgage Loan Programs and prices are subject to change at any time without prior notice. Borrower(s) may not qualify for all posted loan programs -- approval is not guaranteed. Pricing or rate add-ons may apply for certain loan features; e.g., investment property loans, cash-out loans, etc. Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $417,000 for the contiguous states, District of Columbia, and Puerto Rico or below $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $20,850. Jumbo Loans (whose maximum loan amount exceed $417,000 for the contiguous states, District of Columbia, and Puerto Rico or exceed $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $750,000 with closing costs of $22,500. Your actual APR may be different depending upon these factors.