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What's the first thing you should do when you decide to purchase a home? Get pre-qualified for a loan. Why? Because before you get your heart set on a certain home and set a closing date, you want to be sure you can afford the home and that you can close your loan by the date the seller wants. Finding out that you can't afford the home you have been looking at can be very upsetting. Even worse, finding out that you lose the home to another contract because they can close sooner than you is devastating. You want to have the upper hand. The best way is to be ahead of the game by getting pre-qualified before you search for a home or write a contract.

Having a pre-qualification allows you to know that as soon as you start looking for a house you are prepared. Money is the biggest obstacle that could keep you from your new home. Have a mortgage consultant analyze your situation and show you what size home you can get with the monthly payment you want to pay. AMS can show you what size loan you can qualify for with your income and how much of a down payment you may need. Below is a list of our most popular purchase programs. Please keep in mind that your credit and income play a major role in determining your qualification for the program you choose.

If you would like to see what type of loan you qualify for, click here!



103% Purchase
Great for any buyer!
NO PMI!
Finance your closing costs!
A- credit required.

100% Purchase
5 Different Programs
Fits a lot of credit situations.
Designed for 1st time homebuyers!
Great for low income buyers!
Seller can help pay closing costs.

97% Purchase
Great for any buyer!
Down payment can be a gift!
Seller can help pay closing costs.
Program will fit A, A-, or B credit.
Low PMI rates available.

95% Purchase
Excellent for investment property.
PMI may not be required!
Seller can help pay closing costs!
Condos are OK, up to 4 stories!

Alternative Mortgage Solutions, Inc
Phone: (314) 835-1195 or Toll Free: (888) 568-1444
Fax: (314) 835-9209 or (314) 821-5203