At American Bank & Trust, we’re here to help you find a way home. Our loan solutions surpass your expectations, but our service and expertise really sets us apart. We don’t treat you like just any homebuyer. We treat you like you, providing a loan that’s just right for you and your family.
That's why, for a limited time, we are guaranteeing a quick and seamless closing or we will credit you $5001 towards your settlement costs. That's right, if your qualifying mortgage doesn't close on time we'll credit you back $5001.
American Bank & Trust will also be refunding your APPRAISAL FEE2! Close on a mortgage loan with American Bank & Trust and we will give you an early housewarming gift at the closing; a refund of your appraisal fee up to $5002.
We make sure your home loan application is seamless. Our goal is to make your mortgage experience as easy, affordable, and rewarding as possible. Whether it’s your first home, a new home or your dream home, our Mortgage Originators are available and ready to assist you with a smart home loan strategy that’s designed for your specific needs.
- What you need to know about mortgage financing basics
- Our Loan Programs
- Get PreQualified
- Apply Now
- Savings Option
Not ready to start, but want to begin saving for your first home? We can help with that too! Our First Time Home Buyer's Savings Account is a tax-advantaged, interest bearing option to help make you a homeowner. You can do this, Together we can make it easier.
1On-Time Mortgage Closing Guarantee
If all the guidelines and restrictions have been met as described below and the loan does not close on time, the bank will credit $500 to the settlement costs at closing. This guarantee is only available for Conventional Conforming mortgage loans and closing dates must be mutually agreeable to Realtor, buyer and mortgage loan originator. Required supporting documentation must be provided no more than five (5) business days after application receipt. Loan closing is subject to underwriting approval. Closing guarantee is not applicable if: a. borrower changes loan products or terms, b. closing is delayed due to seller’s failure to close on time, c. borrower fails to meet contract requirements, d. closing is delayed due to a third-party requirement, including an appraisal and inspection, e. closing is delayed due to a natural disaster, or f. loan documentation or application contains fraudulent information. American Bank & Trust Company, N.A. reserves the right to amend, terminate or withdraw this offer at any time without prior notice. Standard credit and underwriting guidelines apply. All loans are subject to final credit approval. Ask a mortgage originator for details.
2Appraisal Refund Guarantee
If all the guidelines and restrictions have been met and the loan has been closed and funded by American Bank & Trust an appraisal refund up to $500 will be credited to the settlement costs at closing. American Bank & Trust Company, N.A. reserves the right to amend, terminate or withdraw this offer at any time without prior notice. All loans are subject to final credit approval. Ask a mortgage originator for details.