Our Loan Products

Mortgage Solutions for Kansas Families

Whether you're buying your first home, refinancing, or tapping into your equity — we have the right loan for you.

At American Mortgage Firm, we believe every Kansas family deserves a path to homeownership. That's why we offer a full suite of mortgage products designed to meet you where you are — and get you where you want to go. Ramona will help you find the right fit.

Home Purchase Loans

Most Popular

Ready to buy? We'll guide you through every step of the purchase process — from pre-approval to closing day. Ramona works to find you the most competitive rate and the loan structure that fits your budget and goals.

  • Competitive fixed and adjustable rates
  • Pre-approval in as little as 24 hours
  • Dedicated advisor from application to close
  • Down payment options as low as 3%
Apply Now

Refinance

Lower your monthly payment, shorten your loan term, or access your home's equity. Refinancing with us is straightforward — we handle the complexity so you can focus on what matters most.

  • Rate-and-term refinance
  • Cash-out refinance options
  • Streamlined process with minimal paperwork
  • No-obligation rate quote
Apply Now

HELOC — Home Equity Line of Credit

Flexible Access

A HELOC gives you flexible, revolving access to your home's equity — on your terms. Use it for home improvements, education, debt consolidation, or any major life expense. You only pay interest on what you use.

  • Draw funds as needed during the draw period
  • Interest only on what you use
  • Competitive variable rates
  • Revolving credit line — reuse as you repay
Apply Now

FHA Loans

First-Time Buyers

FHA loans are backed by the Federal Housing Administration and designed to make homeownership accessible — especially for first-time buyers or those rebuilding their credit. Lower down payments, flexible requirements.

  • Down payments as low as 3.5%
  • Flexible credit score requirements
  • Competitive interest rates
  • Available for purchase and refinance
Apply Now

VA Loans

For Veterans & Active Duty

We're proud to serve those who served. VA loans offer exceptional benefits for eligible veterans, active-duty service members, and surviving spouses — including no down payment and no PMI required.

  • No down payment required
  • No private mortgage insurance (PMI)
  • Competitive interest rates
  • Flexible qualification standards
Apply Now

Jumbo Loans

For high-value properties that exceed conventional loan limits, our jumbo loan programs offer the financing you need with the personalized service you deserve. Primary residences, second homes, and investment properties.

  • Loan amounts above conforming limits
  • Fixed and adjustable rate options
  • Primary, second home, and investment properties
  • Competitive rates for qualified borrowers
Apply Now
Ramona ready to help you move into your new home
Not Sure Which Loan Is Right?

Let's Find Your Perfect Fit

Every borrower's situation is unique. Schedule a free consultation with Ramona and she'll help you identify the loan product that best matches your goals, timeline, and budget.

Schedule a Free Consultation

Not Sure Which Loan Is Right for You?

Let's talk. Ramona will walk you through your options and help you find the perfect fit — no pressure, no obligation.

American Mortgage Firm

Helping Kansas families achieve the dream of homeownership — one loan at a time.

5025 E Kellogg Dr
Wichita, KS 67218
(316) 409-5569
[email protected]

Get Started

Ready to take the next step toward homeownership? Apply online today.

Apply Now

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Equal Housing Opportunity
Equal Credit Opportunity

© 2026 American Mortgage Firm LLC · NMLS ID #2530957 · Ramona G. Chapman NMLS ID #1753891 (WWW.NMLSCONSUMERACCESS.ORG) · MC.0026616 · Licensed in Kansas · Information is presented for informational purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. See company website for additional information at WWW.AMERICANMF.COM. Company name is not affiliated with an agency of the federal government, HUD, or FHA. This is not a government offer or program. VA, HUD, or FHA did not approve this material.