Independent Mortgage Brokerpersonal mortgage financing.
For more than 30 years I've helped families finance and refinance the homes they love — with competitive rates, honest guidance, and hometown service.
- 30+
- Years lending
- Many
- Lenders
- A+
- Client rated
Three decades guiding neighbors home.
At American Mortgage Brokers our primary goal is simple: make it easy for you to finance or refinance your home with innovative solutions, highly competitive rates, and the kind of personal hometown service that big banks can't match.
I've been a mortgage broker for over 30 years. Let me help you achieve your financing goals and navigate the process smoothly — start to closing.
Why work with a broker instead of a retail bank?
Variety, convenience, and personalized guidance — without juggling five applications yourself.
Walk into a bank and you get their products. I shop an extensive network of wholesale lenders — major banks, credit unions, and private lenders — including niche programs like jumbo, self-employed, FHA and VA.
One application, not five. I pull your credit once and gather quotes from multiple lenders — saving you time and protecting your credit score from repeated hard inquiries.
Because brokers pull large volumes for lenders, I have access to wholesale rates often unavailable at retail. I also know lender fees inside and out, and negotiate to waive or lower them on your behalf.
I specialize exclusively in real estate financing. If your credit or income story is complex, I know which lenders are flexible and how to structure your file. I advocate for you straight through to closing.
The right loan for the way you live.
As an independent broker, I shop a network of lenders to match you with the program that genuinely fits — not just what one bank offers.
Conventional, FHA, VA, and USDA programs for first-time and seasoned buyers.
Lower your rate, shorten your term, or tap equity with rate-and-term and cash-out options.
Tailored financing for higher-value homes, second properties, and investment portfolios.
For homeowners 62+ — convert home equity into tax-free funds to supplement income, cover expenses, or eliminate a monthly mortgage payment while keeping ownership of your home.
A smoother path from application to closing.
- 01Apply
Start your application online in minutes — secure and simple.
- 02Match
I shop my lender network to find your best rate and program.
- 03Approve
Clear communication and fast underwriting, every step.
- 04Close
Sign with confidence and get the keys to your new home.
Mortgage payment calculator
A quick estimate of your monthly payment, including property taxes and homeowners insurance. For an exact quote tailored to your situation, get in touch.
Principal, interest, taxes & insurance
- Loan amount
- $360,000
- Principal & interest
- $2,275
- Property taxes
- $400 / mo
- Homeowners insurance
- $125 / mo
Estimate only. Does not include PMI, HOA dues, or closing costs.
“Jim made the whole mortgage process feel easy. Straight answers, a great rate, and a closing that actually happened on time.”
Let's get you home.
Send a quick note or start your application — I'll get back the same day.
- Call612-269-1546 · Day, night, or weekends
- Emailjimb@americanmortgagebrokers.com
- ServiceLocal · Experienced · Independent
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