American Mortgage Services
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American Mortgage Services
We are a full-service mortgage company based in Tampa, FL. We specialize in FHA, VA, USDA and Conventional Mortgage Loans in Tampa. We also serve the surrounding cities in Hillsborough County. Whether you are buying a home or refinancing in any of these zip codes: 33602, 33701 or 34655, we can help you realize your dream of home ownership or save you money when getting your new lower monthly payment.

We offer a wide range of refinance options, designed to best meet the needs of local borrowers. If you're looking for cash out, or to just get a better rate and term, we can assist you. What makes American Mortgage Services unique is that we offer the following niche programs as well: Renovation, Low credit score, Recent bankruptcy, Recent foreclosure, Recent short sale, Self-employed and No lender fees.
Services
In today's lending environment, American Mortgage will literally hold your hand through the entire loan process and our performance is 2nd to None! At American Mortgage, we offer more loan programs with better rates and less restrictions than most banks and credit unions. We are here to answer your calls and questions 24/7.
Applying for a mortgage can seem like a daunting and scary process. To help, we've created a checklist of things for you to compile, complete and acknowledge before applying. Credit history is a recorded file of past and current credit that is utilized to compile a credit score. A closing cost is a payment required to finalize a home loan and is separate from a down-payment.
There are a number of different types of home loans available to you, and it can pay to familiarize yourself with them. Luckily we're here to help you choose the best type of home loan for your needs. The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan's lifetime.
The first step in obtaining a loan is to determine how much money you can borrow. In case of buying a home, you should determine how much home you can afford even before you begin looking. By answering a few simple questions, we will calculate your buying power, based on standard lender guidelines.
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes.
Reviews (18)
Boei Negho &
Boei Negho &
Dec 18, 2021
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Emmett Kob
Emmett Kob
Nov 23, 2021
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Jacqueline Schroeder
Jacqueline Schroeder
Apr 17, 2021
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I have worked with Clay Heitler and his team for about 20 years. He consistently provides top notch service to my real estate clients. His rates are always competitive and his team gets the job done every time.
I know I can trust the transaction to close when Clay and his team are handling the financing and I know that my Buyers are getting the best deals out there!
Gloria Uchechi Duru
Gloria Uchechi Duru
Mar 01, 2021
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Tiffany Perez
Tiffany Perez
Nov 29, 2020
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We used American Mortgage Services for the first time and we couldn't be happier! Our situation was so complex and between Clay, Joni and Christine they not only were very responsive to all of our questions and concerns, they made a nearly impossible refinance happen!! Highly recommend them!
Kyleigh Cobett
Kyleigh Cobett
Nov 22, 2020
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Mike Bock and his team were LIFESAVERS for my husband and I after finding ourselves in a sticky mortgage situation. He was responsive and prompt with all of our inquiries start to finish and I am so happy to report back that our closing timeline was fast, a breeze and now we are in a new loan with a fantastic rate! Mike, Christine and Joni provided detailed weekly updates throughout the entire process and I look forward to working with them again in the future! Mike makes himself available for any and all questions via call/text and email. This was a superior experience than going to a brick and
Bobby Coy
Bobby Coy
Nov 11, 2020
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I have purchased a number of properties in my life, and without a doubt this was the best, and easiest lender I have worked with. Rob and his team made every piece of the process easy, straight forward, and they're a pleasure to work with. Rob's energy is great - he's extremely knowledgeable, responsive, and a consummate professional. Thanks so much!
Nick Burch
Nick Burch
Oct 24, 2020
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This is my second time using American Mortgage Services and they once again exceeded my expectations. Clay, Christine, Joni and Sherri made the entire home purchase process hassle free. Brent, Kyle, Pam, and Cassidy from American Mortgage Services associated homeowners insurance company Cambridge Insurance, were also rockstars and helped us close on our new house in a very short period of time. I can't recommend American Mortgage Services enough.
Jordan Gartino
Jordan Gartino
Oct 08, 2020
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This team helps dreams become reality.
I am beyond grateful for everyone who worked with me and my boyfriend this past month! So attentive, warm, kind, knowledgeable, and worthy of trust. They are diligent in working hard and in a timely manner all while keeping us as clients informed and ensured every step of the way. Clay’s kindness and patience is a form of hospitality that is hard to find these days, but you know you’re in great hands when working with him and his team.
Joni and Christine,
I will never be able to put into words how thankful I am to have had you on our side helping us
Kevin Dawson Ii
Kevin Dawson Ii
Aug 08, 2020
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This place is an absolute joke. Continuously pushing back close dates at the last second. Asking for more money. Shady practices.
If you don’t want to close on time and screw over all parties involved, this is your place!
The 5 star reviews must have been paid off.
Tate Dimke
Tate Dimke
May 23, 2020
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The American Mortgage team made closing on my home fast and easy. I knew up front what they needed me to provide them with and they kept me posted along the way of the status of my loan. I have a rate lower than anyone I know who has contracted recently and the fees on the loan were minimal. Closing day went smooth, and the title company and my agent even remarked how great my mortgage team was to deal with. Dont think twice, let these guys handle your mortgage if you want it done right! Thanks again Clay, Vasili, Kimberly and the whole American Mortgage team!
Jason Schro
Jason Schro
May 08, 2020
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Clay and his staff were great!
Every time I had a question, they were there to answer it professionally.
Their procedures work very well that keep me informed every step of the way. They have a ton of experience and know what they are doing. Most importantly, Clay and his staff are ethical. I felt they cared and were looking out for my best interests. I would highly recommend them and in fact, I already have!
Alli Akers
Alli Akers
Nov 26, 2018
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This is our family’s second mortgage transaction with American Mortgage Services, Inc. We’ve had incredible experiences with both purchases due to this team’s hard work and dedication. If you’re looking for a smooth, fast, and organized transaction - look no further!
Cortney Buckelew
Cortney Buckelew
Oct 31, 2018
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Rob, Joni, and Jon were incredible to work with. Rob was so patient and helpful. He jumped on a call with me at 10PM to ensure I was totally comfortable with the process and understood everything top to bottom. I am forever grateful to have worked with a team who made buying my first home so easy and stress free. I couldn't recommend them enough!
Michelle Chapman
Michelle Chapman
Aug 10, 2018
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We closed on our refinance with Kathy Paulsen today. Kathy is extremely knowledgeable and made the process very smooth. Thanks again Kathy!!
Jennifer Parliman
Jennifer Parliman
Aug 26, 2017
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To say American Mortgage Services are totally awesome, would be an understatement. Rob Riggio is truly gifted and my absolute hero! As a realtor, our relationship with a mortgage lender is important. BUT Rob worked out the impossible!! Within one month the best and worst of both worlds collided. Three hours after I listed a home for sale on the… MLS, the home went under contract. One week prior to the scheduled closing, the buyer died. My clients were already under contract with another home. The plan was to purchase this new home with the proceeds from the sale theirs. When the buyer died
Melody Grossman
Melody Grossman
Aug 09, 2017
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These Guys are Absolutely AMAZING!!! They were able to get me into my Home, From start to finish in Four Months when everyone else would not even take the time to help me. I had Lenders just dragging me around for over Two Years and then I was introduced to Clay through his Nephew (his name also Clay). I am SO GRATEFUL to him and his Entire Team!!! Thank you Again for Everything you did for us!
Jamie Doshier
Jamie Doshier
Jul 28, 2017
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AMAZING company! They always get it closed and they excel in educating my buyers. They are thorough and quick. Love working with them.