(512) 779-4997

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Amcap Mortgage, Ltd.

  • Easy Qualifying
  • Down To A 580 Fico
  • 3.5% down payment
  • Low Closing Cost
  • 100% Allowed with Approved Gift Fund Source
  • Seller Paid Closing Costs to 6%
  • Flexible Underwriting Criteria
  • Higher Debt to Income Ratios Allowed

I can come up with the 3.5% down payment but I don't have the funds for the closing cost?
That is ok! We can work with your agent to make sure they know to ask the sellers to pay all of your closing cost This way you will only be responsbile for the 3.5% down payment.

I know I have a 550 fico and I feel discouraged. What do I do?
Please move forward with the application and let one of our experience licenced loan officers give you guidance on what needs to be done to improve your scores. We take the time with every single applicant to make sure a long term plan is put in place so you can own a home.

I filed for bankruptcy 2 years ago so I probably can't get pre approved?
That isn't true. You can be approved 2 years after the discharge date. For Chapter 13 you still be approved while you are in repayment.

I had a foreclosure 2 years ago as well?
You will need to wait 3 years from the foreclsoure date before you can qualify for a FHA mortgage.

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I can come up with the 3.5% down payment but I don't have the funds for the closing cost?
That is ok! We can work with your agent to make sure they know to ask the sellers to pay all of your closing cost This way you will only be responsbile for the 3.5% down payment.

I know I have a 550 fico and I feel discouraged. What do I do?
Please move forward with the application and let one of our experience licenced loan officers give you guidance on what needs to be done to improve your scores. We take the time with every single applicant to make sure a long term plan is put in place so you can own a home.

I filed for bankruptcy 2 years ago so I probably can't get pre approved?
That isn't true. You can be approved 2 years after the discharge date. For Chapter 13 you still be approved while you are in repayment.

I had a foreclosure 2 years ago as well?
You will need to wait 3 years from the foreclsoure date before you can qualify for a FHA mortgage.