Home Loans Built for You
Let's get you into your new home or refinance to get cash
Home Loan Programs
Get into a mortgage program that will make the most sense for your needs.
Mortgage Options
As an experienced mortgage advisor I will walk you through the best mortgage loan program that will fit your specific scenario.
Conventional Home Loans.
FHA Home Loans.
USDA Home Loans.
VA Home Loans.
Construction one-time close
Investors
Self employed
Get a Personalized Home Loan.
In March of 2013 I obtained my license in Mortgage origination. Every month I take classes and seminars to continue my education. As a Broker Lender I am able to reduce the cost for my clients with less overhead. I devote myself to finding the right loan product for you and fulfill your dream of owning a home.
I am your advocate and work for you, not the bank, or investor. If your credit is not where it needs to be and you are willing to work with me, I will help you to obtain the American Dream of home ownership. When negotiating for you, I will speak on your behalf with the underwriters to close on your loan.
Gaby Lockhart
Branch Manager
NMLS #994468
See What Our Clients Are Saying!
Abigail Beaver
Real Estate Agent
"As a Real Estate Agent and recent first time homebuyer, I could not recommend Gaby Lockhart enough!! From the start I had no question go unanswered. The consistent and honest communication were very much appreciated. I recommend her to everyone, as I first hand witnessed the lengths she goes for her clients."
Lauren Scheidegger
Home Owner
"Gaby Lockhart with American Mortgage was amazing to work with! She made the mortgage process so easy from recommending other professionals in the process to working on a tight schedule. She is a true professional; fantastic communicator, skillful at crunching the numbers and genuinely cares that her clients close on their perfect home."
Bryce Moore
Home Owner
"Mrs.Gabby was very professional , constantly pushing to get everything finished so we could close in a quick time I really appreciate her help I couldn’t have done it without her!!"
The Home Loan Process
Get Pre-Approved
Receive a mortgage loan pre-approval to see how much you can afford.
Shop for a Home
Work with a trusted Real Estate Agent to find a home you would like to move into.
Apply for a Loan
Complete your home loan application to get the lending process started.
Frequently Asked Questions
How often can I refinance my mortgage?
There is no limit to the number of times you can refinance. However, you must qualify every time you apply and there will be costs associated with closing the loan each time.
Can I buy a home if I do not have money for a down payment?
Yes! There are a number of bond programs that offer low or no down payment financing options.
How do I know which mortgage is right for me?
The key to choosing the right mortgage is to understand the range of options and features available to you, as well as your budget, circumstances, and goals. Our licensed mortgage professionals are here to help you navigate that process. The more you know, the more comfortable and confident you will be choosing the best option for you and your family.
How long will the loan process take?
The Truth in Lending Act (TILA) does not permit a lender to close a loan until at least seven (7) business days have passed from the date your application was received. A typical home loan takes 30 days, as a number of third-party services such as appraisals, title work, and credit are required in conjunction with the mortgage process. Once you familiarize your Loan Officer with the details of your specific loan scenario, they will be able to provide you with a more specific timeline.
Will I qualify for a home loan?
The only way to find out is to speak with a qualified mortgage professional. Our Loan Officers have helped numerous clients who didn’t know if they could qualify to become home owners. We take the time to understand your financial situation and long-term financial goals, and then match you with the loan program that best fits your needs. Your approval for a loan may also largely depend on the price of the home you are financing. Getting pre-qualified prior to beginning your home search can give you an idea of what you may be able to afford.
Why do people refinance their mortgages?
Homeowners typically refinance to save money, either by obtaining a lower interest rate or by reducing the term of their loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts.
How much money will I have to pay upfront to buy a home?
This question does not have a simple, one-size-fits-all answer. The exact amount will depend on the price of the home you buy as well the type of mortgage financing you choose. Depending on your loan program, your down payment could be as much as 20% of the home’s price or as little as 3%, while some loans require no down payment at all.
Can I get a mortgage after bankruptcy?
You may still qualify for a home loan even if you have experienced a bankruptcy. The best way to find out if you qualify is to talk with a Loan Officer to discuss your options. Be sure to bring all paperwork regarding your bankruptcy so your Loan Officer can find the program that best fits your situation.
Should I lock my interest rate now, or wait until we are closer to our closing?
Interest rates fluctuate all day, every day. If an interest rate is good, it may be in your best interest to lock now. If you wait, you run the risk of an increase in rates later. If you are concerned that rates may go down after you lock, contact your Loan Officer to discuss your options. Some programs allow you to lock for an extended period and choose to lower your rate should a better one become available.
