American Enterprise Bank of Florida

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American Enterprise Bank of Florida

839 South 5th Street
Macclenny, Florida 32063
Phone:(904) 259-6003
Fax:(904) 259-6889

Home Mortgages

American Enterprise Bank of Florida can help finance the purchase of your new home, refinance your existing home, or consolidate other loans you may have.

Fixed Rate Mortgages
American Enterprise Bank of Florida offers 15-year, 20-year and 30-year fixed rate loan programs at competitive rates and terms.

Adjustable Rate Mortgages (ARM)
These mortgages generally have lower beginning interest rates (and lower payments) than fixed-rate mortgages. Borrowers are also protected from future large rate increases by the rate caps and limits that are built into these ARM loans. Many borrowers choose this product to keep their mortgage payments at a minimum during the early years of a loan, and, if rates increase, the borrower's income may also increase to help offset the impact on their budget.

Mortgage Calculator - Use our mortgage calculator to compare and save by computing your monthly payment. Please note - the calculated amount is an approximate value and may differ from the bank's final calculation.

Please contact us to find a home mortgage that is best for you.

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Home Equity Loans (HELOC)

You worked so hard for your new home; now let it start working for you. The equity in your home may provide solutions to financing your child's education, medical expenses, a small business start-up and much more.

Please contact us to find out if a home equity loan will work for you.

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Home Improvement Loans

Considering remodeling your bathroom, finishing your basement, or adding a deck or landscaping? Let us help you make your house more like home.

Click here for a loan calculator to assist you on your home improvement loan.

Please contact us to start making your home improvement ideas a reality.

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Land Purchase Loans

If you're looking to purchase land to build your dream house, ask us how we can help. American Enterprise Bank of Florida offers loans to help make your dream home a reality.

Click here for a loan calculator to assist you on your land purchase loan.

Please contact us to find out how American Enterprise Bank of Florida can help with your dream home.

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Home Construction Loans

American Enterprise Bank of Florida's construction loan program provides short term financing for home construction. Upon completion the bank will facilitate the refinance of your home with a long term loan program.

Please contact us to find out how we can help you build your dream home.

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Mortgage Loan Tips

When you're ready for a mortgage loan, you don't want to have to wait through a long application process. To help speed up the time it takes to prepare your application, here's a checklist of information you should bring with you when you meet with an American Enterprise Bank of Florida loan officer to fill out your application:

* Purchase agreement - legible, signed copy. Include copy of earnest money check if possible.
* Paycheck stubs - covering the pas 30 days. Must be typed or computer generated, and include your name or social security number, year-to-date earnings and employer's name.
* W-2 Forms - from all employer(s) for the last two years. Copies must be legible.
* Employment - name, address and phone number of employer(s) for the last 24 months.
* Retirement, social security, support, alimony - copies of award letters, checks and court support ledgers are acceptable proof of income.
* Bank statements - statements for the past two months from each bank where you have an account.
* 401K and/or IRA Statements - most recent statement (if applicable).
* Investment Account Statements - statements for the last three months (if applicable).
* Stocks and bonds - proof of ownership and value (if applicable).
* List of all creditors - addresses, account numbers, monthly payments and balances owed.
* Rent - name, address and phone number of landlords for the last 24 months, plus a signed company of rental agreement.
* Divorce decrees - legible copies, including any stipulations or modifications.
* Certificate of eligibility or DD 214 - VA loans only.
* Signed federal tax returns (past two years) - only necessary if you depend on non-salary income, are self-employed or own rental properties.

Let us help you with the early processing of your loan. If you would like us to help with the application process directly, contact us and we will be glad to assist you.