Welcome to American Advantage's Web Site
At American Advantage, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
Purchasing a home is probably one of the biggest investments you'll ever make in your lifetime. We are with you every step of the way. You will save a lot of time if you determine what mortgage amount you can qualify for before you start looking at homes.
***UPDATE***: We have aligned ourselves with lenders that now can do FHA refinances and new purchases with credit scores below 640. If you have a credit score below 640 and higher than 580 we can find find a loan that is right for you. Call, email or text me today to see if you qualify.
New Home Loans

$0 Down USDA loans:http://mortgagemanray.com/USDA_loans.php
We work conforming and non-conforming real estate loans. To get started click here
Refinancing

We can help you lock in a long term fixed rate or refinance and get cash out . To get started click below
Today's Rates
| Term | Rate | APR |
|---|---|---|
| 30 Yr Fxd | 3.73% | 4.15% |
| 15 Yr Fxd | 3.03% | 3.76% |
| 5 Yr ARM | 2.68% | 3.07% |
Deciding which loan is right, can be a difficult decision. We're here to help. click for more
