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

TermRateAPR
30 Yr Fxd3.73%4.15%
15 Yr Fxd3.03%3.76%
5 Yr ARM2.68%3.07%
 

Deciding which loan is right, can be a difficult decision. We're here to help.    click for more