American Mortgage Service Company was named as one of the top 15 Mortgage Companies in Lousiville by scored 305 Mortgage Refinance Companies in Louuisville, KY and picked the top 15. American Mortgage Service Company was one of the 15 picked! 


Mortgage Refinance Companies in Louisville

Top Lender for KHC

Mar 12
Category | Kentucky Housing

American Mortgage Service Company was recognized as a Top Producing Lender for Kentucky Housing Corporation in 2020!


The Kentucky Housing Corporation (KHC) offer down payment assistance and mortgage tax credits to both first-time and repeat buyers. 

If you are intered in learning more about KHC please reach out to one of our Kentucky licensed loan officer. 


You spend a lot of time trying to build your real estate business through marketing efforts, referrals, and other resources. Unless you are offering what buyers and sellers are looking for in a real estate agent, however, you will have a lot of trouble finding repeat clients and referrals in the market. Once you know what people are looking for, you can start to market toward that and attract more clients than ever before.

What Buyers Are Looking For

There are many different kinds of buyers and you need to know what each of them are looking for. For example, first time home buyers are looking for someone who is very knowledgeable and can walk them through every part of the process with ease. Investors, on the other hand, are looking for something a bit more transactional as well as a lot of data. Most of them are looking for someone who can be aggressive when it comes to finding great deals. Out of town buyers will rely on you to be very thorough since they cannot be there to do that themselves. To be successful, you need to be able to identify the type of buyer you are dealing with to better serve them. All buyers will expect you to have a deep knowledge and understanding of the area so you can provide them with the insight before they purchase.

What Sellers Are Looking For

Sellers tend to be a lot less complex than buyers. On the surface, most of them are just looking for a real estate agent that can sell their home quickly and get them top dollar for the listing. You will not be able to do that for every home but you need to be able to tell people what is realistic and what they can do to get the job done faster, such as repairs or some landscaping. Not everyone will take your advice but when they do, it will make your job easier and you will be able to better impress them when it sells faster and for a great price. The best thing you can do with sellers is provide them with the best expectations so they do not come in with something unrealistic that will ruin their image of you in the end. If the seller cannot come closer to those realistic expectations, they may not be the best customer to rely on for referrals.

Basic Skills all Clients are Looking For

In the end, when it comes to some pretty basic skills, it will not matter whether or not you are working with buyers or sellers. All of your clients will expect you to have these basic skills when they hire you to be their real estate agent:

  • Negotiation skills
  • Knowledge of the area and neighborhoods
  • Knowledge of the buying and selling process
  • Knowledge of the contracts used during the process
  • Communication skills
  • Responsiveness
  • Honesty and integrity

There are, of course, other skills that they will expect you to have such as basic people skills and technical skills as it pertains to the industry. As you get further along in your career, you will get better with the technical skills but you will need to actively work on your people skills if they are not as great as you would like them to be.

Once you have all of these skills mastered, you are ready to take on the real estate world and become a successful agent in the market of your choosing. Even if you have not mastered these skills, you should begin to work more and more on them so you can give your clients the best you can offer. Over time, you will begin to master all of them.


First Time Homebuyer Programs


Eligibility Criteria


  • Applicants must meet OHFA Income limits.



  • Applicants must meet debt to income ratios for their loan type.


  • Credit score requirements

    • Conventional, USDA, VA, and FHA 203(k) Loans: 640 or Higher

    • FHA Loans (Non-203(k)): 660 or higher.  Credit scores of 650-659 are acceptable for an additional fee.


  • Applicants must purchase a qualifying property that is limited to two acres within a municipal corporation and five acres outside a municipal corporation, unless additional acreage is required by local health or safety code. Qualifying properties include the following:

    • Existing homes: single-family dwellings, conforming condominiums, duplexes, and up to four-unit properties.

    • Newly built spec/nearly completed homes: one-unit single-family dwellings.

    • Modular Homes; one-unit single family dwellings


  • Additional requirements may apply to specific homeownership products




Please contact us today for more Information. 


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Affordable Housing For Everyone



Affordable Income Subsidy Grant

Mortgage Credit Certificate



Tax-Exempt First-Time Homebuyer Program

Taxable First -Time Homebuyer Program


Home Plus Program



ADAF Move Up

ADFA MCC - Mortgage Credit Certificate

ADFA Down Payment Assistance (DPA)

Arkansas Dream Down Payment Initiative (ADDI)



First Mortgage Programs

CalHFA Conventional Loan Program

CalPLUS Conventional Loan Program

Government Insured Loans

CalHFA FHA Loan Program

CalPLUS FHA Loan Program

Cal-EEM + Grant Program

CalHFA VA Loan Program

Down Payment Assistance Programs

MyHome Assistance Program

School Teacher and Employee Assistance Program (School Program)

Mortgage Credit Certificate Tax Credit Program

Mortgage Credit Certificate Tax Credit Program (MCC)


Down Payment Assistance


HFA Advantage and HFA Preferred

Homebuyer Mortgage Program

Down Payment Assistance Program (DAP) Loans


Home Ownership Programs

Home Ownership Loan Program

Delaware First-Time Homebuyer Tax Credit

Neighborhood Stabilization Program (NSP)

Downpayment and Closing Cost Assistance

Preferred Plus

Home Repair Programs

The Statewide Emergency Repair Program (SERP)

Community Development Block Grants (CDBG)

Foreclosure Prevention Programs

Delaware Emergency Mortgage Assistance Program (DEMAP)

Manufactured Housing Assistance Program (MHAP)

Wilmington Senior Tax Assistance Program


Mortgage Credit Certificate Program

Florida Homebuyer Loan Program


State Home Mortgage

Georgia Dream

HomeSafe Georgia

Housing Counselor Resources and Training


HHFDC Affordable Resale Program Project

Mortgage Credit Certificate

Buyback and SAE Programs

Hula Mae Single Family Loans (Not currently active)


Homebuyer Tax Credit

Down Payment / Closing Cost Assistance


Illinois Housing Development Authority

IHDAccess Forgivable

IHDAccess Deferred

IHDAccess Repayable



Indiana Housings and Community Development Authority

Honor Our Vets (HOV)

Helping To Own (H2O)

Mortgage Credit Certificate (MCC)

Next Home (NH)

Next Home With Mortgage Credit Certificate (NH/MCC)

Affordable Home (AH)

My Home (MH)

My home with Mortgage Credit Certificate (MH/MCC)


Mortgage Programs

Down Payment Assistance Programs

Mortgage Credit Certificate Program

Military Home owership Assistance Program

Iowa Title Guaranty


Kansas Housing Resources Corporation


Down Payment Closing Cost Assistance

Hardest Hit Fund (HHF) DAP

Home Buyer Tax Credit


Louisiana Housing Corporation

MRB Home and Assisted

Market Rate GNMA Program

LHC Preferred Conventional Program

LHC Choice Conventional Program

LCH Advantage Program

Delta 100 Program

Mortgage Credit Certificate Program

Soft Second Program

Down Payment Assistance Programs


Maine State Housing Authority

First Home loan:


Maryland Mortgage Program


MMP 1st Time Advantage with 3% Assistance

MMP 1st Time Advantage

Maryland Mortgage Loan Assist

Maryland Mortgage Grant Assist

Maryland Mortgage Rate Assist

Partner Match

Maryland HomeCredit

Maryland SmartBuy Program


Massachusetts Housing

MassHousing Mortgage

Operation Welcome Home

Down Payment Assistance


Michigan State Housing Development Authority,4641,7-141-45866---,00.html#!#homebuyers


MI Home Loan Mortgage,4641,7-141-45866_45868-370762--,00.html

MI Home Loan Flex,4641,7-141-45866_45868-284858--,00.html

Step Forward Down Payment Assistance Loan,8844,7-353-88583---,00.html

Mortgage Credit Certificate (MCC),4595,7-141-45866_45868-216692--,00.html

Individual Development Account,4641,7-141-45866_45868-172118--,00.html

Housing Education Program,4641,7-141-45866_45868-177801--,00.html


Minnesota Housing


Mississippi Home Corporation


Missouri Housing Development Commission


First Place Loan Program

Mortgage Credit Certificate (MCC)


Montana Housing


Regular Bond Loan Program

Set Aside Program

Montana Veterans’ Home Loan

Down Payment Assistance

80% Combined Program

Habitat for Humanity

Mortgage Credit Certificate

Board of Investments

Disabled Accessible Affordable Homeownership


Nebraska Investment Finance Authority



Interest Rates


Nevada Housing Division


Home is Possible

Home is Possible for Heroes

Mortgage Credit Certificate

Home is Possible for Teachers

New Hampshire

New Hampshire Housing Finance Authority


Homebuyer Tax Credit

Mortgage Programs:

New Jersey

New Jersey Housing and Mortgage Finance Agency


NJHMFA Down Payment Assistance Program

First-Time Homebuyer Mortgage Program

Police and Firemen's Retirement System Mortgage Program

New Mexico

New Mexico Housing Finance Agency


First Home Program

First Down Program

NextHome Program

New York

State of New York Mortgage Agency


SONYMA Neighborhood Revitalization Program

SONYMA Graduate to Homeownership Program

Conventional Plus Progran

FHA Plus Program

Manufactured Home Advantage Program

Down Payment Assistance Loan (DPAL)

North Carolina

North Carolina Housing Finance Agency


NC Home Advantage Mortgage

NC 1st Home Advantage Down Payment

NC Home Advantage Tax Credit


North Dakota

North Dakota Housing Finance Agency



First Home


Home Access Program

North Dakota Roots

Major Home Improvement Program


Targeted Area Loan Program



Ohio Housing Finance Agency


First-Time Homebuyer


Your Choice! Down Payment Assistance


OHFA Advantage


Grants for Grads


Ohio Heros


Mortgage Tax Credit


Target Area Loan


Next Home

Renovate Ohio




Oklahoma Housing Finance Agency






Pennsylvana Housing Finance Agency




Home Purchase


Purchase Assistance


Refinance Options


Home Improvements/Repairs


Rhode Island

Rhode Island Housing



First Down - Down Payment Assistance


First Homes


Beyond First Homes


Lasting Homes


Septic and Sewer



South Carolina

South Carolina Housing



SC Housing Homebuyer Program


Mortgage Credit Certificates


Palmetto Home Advantage


Hardest Hit Fund Down Payment Assistance


Income/Home Price Limits


South Dakota

South Dakota Housing Development Authority



Tennesse Housing Development Agency 2019



Down Payment Assistance


Great Choice Home Loans





My First Texas Home


My Choice Texas Home


Texas Mortgage Credit Certificate Program





Utah Housing Corporation 2019



Down Payment Assistance


Home Loans


Grants for Veterans



Vermont Housing Finance Agency





Virginia Housing Development Authority 2019



Home Loans



VHDA Plus Second Mortgage



Washington State Housing Finance Commission



Home Advantage


House Key Opportunity Program


Energy Spark Home Loan


Mortgage Credit Certificate


West Virginia

West Virginia Housing Development Fund



Homeownership Program


Down Payment/Closing Cost Assistance Program


Moving Up Program


On-Site System Program


WVHDF Refinance Program


USDA 502 Direct Loan Program



Wisconsin Housing and Economic Development Authority 2019






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