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<body> <p>Home Loan Center Apply for a Mortgage Refinance your Home Apply for a Home Equity Loan or Line Get Pre-Approved Check your Loan Status Rate Center See Today's Rates Sign up for RateTracker Our Guarantee Credit Problems? Tools & Calculators B2B Solutions Privacy & Security Contact Us About Us Stockholder Information Licenses Use our tools and calculators Check out our low rates Apply online or over the phone View your loan status online Rates see all today's rates Type Rate APR 30-yr. fixed 5.375% 5.672% 15-yr. fixed 4.750% 5.216% 1-yr. ARM 4.000% 5.895% As of 4/2/2003 1:52:10 PM assumptions Why Choose MortgageSelect.com? Low Rates Easy & Secure Online Application Fast Approvals On Time Closings $12.2 billion funded in 2002 Reputable Lender NASDAQ: AHMH In a Hurry? Try our 30-Second Quick Form Call 877-576-4400 to apply over the phone Use our instant help tool How much can I afford to borrow? Annual Income: $ Monthly Debt: $ Down Payment: $ Did you know? Typically, you can afford 2 times your annual salary. Today's News WaMu sued over mortgage prepayment fees Borrowers allege lender overcharged thousands of dollars on loan payoffs Refi activity cools Long-term interest rates dip MBA rallies for multiyear flood program Aims to avoid future disruptions in insurance availability Read More About MortgageSelect.com MortgageSelect.com is a national mortgage banker and the Internet division of American Home Mortgage Corp. Since our launch in 1999, we have led the industry in online closed loan volume, and we continue to outperform our online competitors in terms of profitability. Annually, we assist more than 50,000 families with home financing, and in 2002 we funded more than $12.2 billion in loans. We are a financially strong, publicly held institution, traded on the NASDAQ under the ticker symbol AHMH. We are licensed to provide mortgages in all 50 states, plus the District of Columbia Our parent company, American Home Mortgage Corp., was founded in 1988, and has since grown organically and by acquisition to more than 2,250 employees nationwide. In addition to MortgageSelect.com, AHM's off-line divisions include Marina Mortgage Company, 1st Home Mortgage and the recently acquired, Columbia National Inc. American Home Mortgage Holdings, Inc. (NASDAQ: AHMH) is a holding company whose principal assets are its investments in its wholly owned subsidiary, American Home Mortgage Corp., and its divisions (collectively referred to herein as "the Company" or "American Home Mortgage"). American Home Mortgage is an independent retail originator of residential mortgage loans. The Company underwrites, funds, and sells its loan products to more than 45 different buyers. It offers a broad array of residential mortgage products targeted primarily to high-credit-quality borrowers through its 209 branches and via MortgageSelect.com, its online channel. American Home Mortgage currently employees approximately 1,300 primarily commission-compensated loan originators. American Home Mortgage has experienced record growth since its IPO in October of 1999. It has grown its branch network to 209 offices from 16, increased its sales force to approximately 1,300 loan officers from 122, expanded its physical presence across the country, and has rapidly grown its Internet business. The Company's loan originations for homebuyers increased nearly 400% since 1998, American Home Mortgage's rapid growth has resulted in record earnings and earnings per share in year-ended 2002. American Home Mortgage's continued success is based on three main drivers of growth: accretive acquisitions, a successful model for online profitability, and organic growth in its branch offices. American Home Mortgage is a consolidator of small to mid-size bank-owned, and independent mortgage companies with the potential to operate profitably. The Company seeks to acquire such companies opportunistically, at a minimal cost. It then eliminates duplicative back office functions, enhances the acquired franchise by providing its product line, technology, marketing strategies, and other branch support, and earns a higher price on the acquired business's production through the efficiency of a secondary marketing program. Since its IPO in 1999, the Company has completed six such acquisitions that have been immediately accretive to earnings: Marina Mortgage, 1st Home Mortgage, the branch network of Roslyn National Mortgage, ComNet Mortgage Services, Columbia National and its most recent the retail branch network of Principal Residential Mortgage. Through its online channel, MortgageSelect.com, American Home Mortgage seeks to gain from consumers adopting the Internet as a source of mortgage financing by partnering with destination websites, and by providing the right consumer experience for today's marketplace. By partnering with destination websites, rather than branding its own site, MortgageSelect.com has been able to keep its customer acquisition costs low. By providing its mix of website technology with collaboration from its sales-oriented, Internet-dedicated call centers, it has been able to achieve a high closing rate and a low operating cost, as measured on a per-loan basis. The Company grows organically by increasing the number of loan officers in its existing branches, working to make its existing loan offices more productive, and by opening new branches. In addition to the above growth strategies, American Home Mortgage acquired a serving portfolio in 2002, when it acquired Columbia National. American Home Mortgage now consider retained servicing as a key capability of a counter cyclical growth strategy, with this strategy contributing to American Home Mortgage's financial growth, as the refinancing trend slows. Today's Rates Rates as of 4/2/2003 1:52:10 PM - 60 day lock. See assumptions. View monthly payment information for our loan programs and rates 30 Year Fixed Conforming Rate 5.875% 5.750% 5.625% 5.500% 5.375% Points 0.000 0.375 0.875 1.125 1.625 APR 6.003% 5.934% 5.866% 5.741% 5.672% -------------------------------------------------------------------------------- 15 Year Fixed Conforming Rate 5.250% 5.125% 5.000% 4.875% 4.750% Points 0.000 0.250 0.625 1.125 1.625 APR 5.491% 5.422% 5.353% 5.284% 5.216% -------------------------------------------------------------------------------- Fixed rate conforming loans "conform" to the limits and criteria set by FNMA and FHLMC, which is currently $322,700 for a single family home. 5/1 Conforming Adjustable Rate Mortgage Rate 4.875% 4.750% 4.625% 4.500% 4.375% Points 0.000 0.250 0.625 0.875 1.125 APR 5.541% 5.576% 5.555% 5.591% 5.570% -------------------------------------------------------------------------------- 7/1 Conforming Adjustable Rate Mortgage Rate 5.125% 5.000% 4.875% 4.750% 4.625% Points 0.000 0.125 0.625 1.000 1.500 APR 5.748% 5.719% 5.746% 5.773% 5.800% -------------------------------------------------------------------------------- 3/1 Conforming Adjustable Rate Mortgage Rate 4.125% 4.000% 3.875% 3.750% 3.625% Points 0.000 0.125 0.375 0.750 1.000 APR 5.509% 5.496% 5.540% 5.527% 5.571% -------------------------------------------------------------------------------- 10/1 Conforming Adjustable Rate Mortgage Rate 6.000% 5.875% 5.750% 5.625% 5.500% Points 0.000 0.250 0.500 0.875 1.125 APR 6.128% 6.059% 5.948% 5.962% 5.921% -------------------------------------------------------------------------------- 1/1 Conforming Adjustable Rate Mortgage Rate 4.500% 4.375% 4.250% 4.125% 4.000% Points 0.000 0.250 0.250 0.375 0.500 APR 5.856% 5.908% 5.904% 5.900% 5.895% -------------------------------------------------------------------------------- Adjustable rate conforming loans "conform" to the limits and criteria set by FNMA and FHLMC, which is currently $322,700 for a single family home. 30 Year Fixed Jumbo Rate 6.500% 6.375% 6.250% 6.125% 6.000% Points 0.000 0.125 0.125 0.375 0.500 APR 6.684% 6.559% 6.434% 6.309% 6.184% -------------------------------------------------------------------------------- 15 Year Jumbo Fixed Rate 5.625% 5.500% 5.375% 5.250% 5.125% Points 0.000 0.375 0.625 0.750 1.500 APR 5.866% 5.797% 5.728% 5.603% 5.591% -------------------------------------------------------------------------------- Jumbo rates are for loans that exceed conforming limits. Please note the following: The pricing listed above reflects our interest rates as of the date at the top of the page. Interest rates are very volatile and can change several times each day, so it's best to call or send an email to confirm our current rates. Annual Percentage Rates (APRs) are based on a $100,000.00 loan and a purchase price (or property value) of $125,000.00. Your actual APR can and will most certainly vary from those quoted above. APR's differ from quoted interest rates because closing costs are included in the APR calculation. Call or send an email for an exact APR for your loan. Finally, the prices quoted above make several assumptions about the property, its location, occupancy and other factors. These assumed risk factors may not be applicable to your loan. Call or send an email for an exact APR for your loan. To obtain customized rates based on your specific qualifications and needs, send an email or call 877-576-4400 to speak with one of our friendly loan officers. Before you apply... You must be at least 18-years old. Your property must be located within the United States. Please review our online loan minimums and down payment requirements. Please review the types of properties we finance. Application Options Apply online Call us toll-free In a hurry? Apply for a mortgage Apply for a refinance Preview our online application. Call us at 877-576-4400 Complete a loan application over the phone with the help of a loan officer! Select our 30-Second Quick Form Answer a few simple questions and we'll call you! For second mortgages or lines of credit, apply online or call our Home Equity department at (800) 240-2364. Important Facts About Home Equity Loans and Lines of Credit How much can I borrow? You can borrow up to 100% of the equity in your home! Use our credit line calculator to determine how much you can borrow. Equity = Home Value - Outstanding Mortgages & Liens Can I apply for a loan if I have filed for bankruptcy? If your bankruptcy discharge is at least 7 years old and you've had excellent credit since the discharge, we can usually approve you for a loan. What can I use Home Equity money for? Home Equity Loans and Lines of Credit can be used for almost anything! Make home improvements Pay college tuition Buy a car Payoff a boat Purchase an investment property Consolidate debt More Questions? Visit our FAQs or Preview the application. Pre-Approval Form If you have excellent credit, we can issue you an instant pre-approval letter online. Simply complete the form below.* For more information about pre-approvals, please visit our Frequently Asked Questions or check out the types of properties we can finance. My Contact Information First Name: Last Name: Daytime Phone: ex. 555-555-5555 Evening Phone: ex. 555-555-5555 Email Address: ex. sally@yahoo.com I prefer to be contacted by: Please Select Daytime Phone Evening Phone Email Address My Loan In which state are you planning to buy a home? Please Select AK - Alaska AL - Alabama AR - Arkansas AZ - Arizona CA - California CO - Colorado CT - Connecticut DC - District of Columbia DE - Delaware FL - Florida GA - Georgia HI - Hawaii IA - Iowa ID - Idaho IL - Illinois IN - Indiana KS - Kansas KY - Kentucky LA - Louisiana MA - Massachusetts MD - Maryland ME - Maine MI - Michigan MN - Minnesota MO - Missouri MS - Mississippi MT - MontanaNC - North CarolinaND - North DakotaNE - NebraskaNH - New Hampshire NJ - New Jersey NM - New Mexico NV - Nevada NY - New York OH - Ohio OK - Oklahoma OR - Oregon PA - Pennsylvania RI - Rhode Island SC - South Carolina SD - South Dakota TN - Tennessee TX - Texas UT - Utah VA - Virginia VT - Vermont WA - Washington WI - Wisconsin WV - West Virginia WY - Wyoming Have you found a home? Please Select Yes No If you know the amount you want to pre-qualify for, enter it here. $.00 (If left blank, we will pre-approve you for the maximum loan amount available to you.) How much money do you have available for your down payment and closing costs? $.00 (The more money you put down, the more likely you will be pre-approved. You must put down at least $6000.00 to qualify for an online pre-approval.) My Financial Information My annual salary before taxes is: $.00 (If you are planning to apply with a co-borrower, you may want to combine your yearly salaries.) My total minimum monthly debt is: $.00 (Add together your minimum monthly credit card payments, car payments, child support, alimony, school loans, and any other bank loans. Do not include your current rent, mortgage payment or utilities in this calculation.) My credit rating is: Please Select Excellent Good Some Credit Problems Many Credit Problems I Have Special Circumstances Have you experienced a bankruptcy, foreclosure or repossession within the last 4 years? Please Select Yes No *Please Note: Our online pre-approval process is for excellent credit borrowers only. If your credit is less than perfect, you can still obtain a pre-approval letter; however you will need to call 877-576-4400 to speak with one of our qualified loan specialists. Loan Status Key Applied: Displays the date your application was received. Processing: Displays the date that your documents were received, your appraisal was ordered and your loan was locked. You're unique and we know it! At MortgageSelect.com, home loans are not just for people with perfect credit and verifiable income. We know that every borrower is unique and we offer a variety of loan programs and options for individuals who have special situations, such as below average credit scores or difficulty verifying income due to self-employment. Even if other lenders have turned you down, we will work hard to get you the loan you need. We can pre-qualify you for a loan within hours, close your loan in as little as two weeks, and save you money with our competitive rates. Our loan programs include: Low and no down payment options Less-than-perfect credit programs No documentation loans Apply Now or visit our Credit Resource Center to learn more about your credit and how you can protect it. Note: The rates listed on our site assume good credit. For rate quotes based on your specific financial situation, please call 877-576-4400 and a loan specialist will be happy to assist you. Smart Solutions. Strong Partner. With our business-to-business solutions, your customers will have access to the Internet's easiest mortgage application, lowest interest rates and best service; and you will benefit from additional revenue, personalized account management, detailed reports and expert support. Dozens of banks, real estate agents, financial planners and other web-based companies have profited from our partnership programs. So what are you waiting for? To find the solution that works best for your company, please visit the links below: Submitted: Displays the date your loan package was sent to underwriting. Underwriting: Displays the date that an underwriting decision was made. Our Guarantee When you’re shopping for a home loan, low rates and dependable service are important factors in choosing a mortgage lender – and we’re confident that you’ll find the best of both right here. In fact, we guarantee it! If we fail to keep our promise, we’ll reduce your closing costs by as much as $300. “We’ll beat any mortgage rate!” Whether you’re a first time homebuyer looking for affordable options or a veteran homeowner looking to reduce your monthly payment, our rates are unbeatable. If you find a better price, we’ll make you a superior offer or deduct $300 from your closing costs. Best Price Guarantee Details “We’ll call you right away!” Short on time? We know just how you feel, which is why we don’t waste any. A loan representative will call you within one hour of submitting your initial online loan application, provided you apply during prime business hours. If you do not receive a response from us within 60 minutes, we will deduct $150 from your closing costs. Rapid Response Guarantee Details “We’ll close your loan on time!” We understand that packing and moving is hectic enough without worrying about your closing date – after all, we’re homeowners too! Need to close quickly? Require a firm closing date? No problem. We’ll close your loan on the date specified, or deduct $250 from your closing costs. Close on Time Guarantee Details Documents: Lists which documents we have not received, when documents were ordered and the dates on which the credit and legal documents cleared. Title/Closing: Displays your approximate closing date, the date that your loan documents were signed, when your loan package was reviewed for funding and the date that your loan actually funded. </p> </body>