Experienced Mortgage Advisors
Experience matters. Strategy makes the difference.
Buy smart. Refinance strategically. Build generational wealth.
Whether you're buying, building, investing, or refinancing, the right mortgage is about more than finding a loan—it's about finding the right financing strategy for your goals. With decades of mortgage experience and access to a wide range of loan options, we help you understand your choices, structure your financing, and navigate the process from application through closing.
You work directly with an experienced, knowledgeable mortgage professional—not a call center. We anticipate issues, manage the details, keep you informed, and stay involved every step of the way.
More options. Experienced guidance. A mortgage strategy built around you.
Start with your goal
What are you trying to accomplish?
Tell us where you want to go. We'll help you understand your options and build a mortgage strategy to help you get there.
Buy a Home
Whether it's your first home or your next one, we'll help you evaluate your options and choose financing that fits your goals and your budget.
Rebuilding credit? Lower scores don't always mean a closed door. Let's look at your options.
Explore →Build a Home
Building a home requires a different kind of financing—and an experienced team that understands the construction process. We'll help you evaluate your options, coordinate the financing, and guide you from plans and construction through completion and your permanent mortgage.
Explore →Refinance
Explore whether refinancing makes financial sense—lower your payment, change your term, or put your equity to work toward your next goal.
Explore →Use Your Equity
Your home equity can help you accomplish your next goal—from renovations and debt consolidation to funding a child's education or a future investment.
Explore →Invest in Real Estate
Build your real estate portfolio—and generational wealth—with financing strategies designed around the property, your investment goals, and your long-term plan.
Explore →Explore Specialty Financing
ITIN loans, doctor loans, manufactured homes, non-warrantable condos, and loans that simply don't fit the usual box. We work with the situations other lenders pass on.
Explore →FREE TO USE · NO SIGN-UP REQUIRED
Tools to help you plan with confidence
Use these tools to explore your options, understand the numbers, and make more informed mortgage decisions. No sign-up, no phone call, and no obligation.
Affordability Calculator
Explore how much home may fit your budget based on your income, down payment, monthly debts, and interest rate.
Open tool →Payment Calculator
Estimate your monthly payment based on purchase price, down payment, interest rate, property taxes, and homeowners insurance.
Open tool →Fee Sheet Review
Already have a Loan Estimate or quote from another lender? Send it to us for a free second opinion. We'll help you understand the rate, fees, costs, and loan structure so you can make an informed comparison.
Open tool →Why American Mortgage Solutions
What you can count on.
Experienced Guidance
Decades of mortgage experience applied to your individual situation—not a one-size-fits-all answer.
Proactive Communication
We answer, we explain, and we keep you updated at every step. No guessing where your file stands.
Financing Built Around Your Goals
We look at your whole financial picture and build a strategy that fits where you're going, not just where you are today.
Already have a loan estimate—or a situation another lender couldn't solve?
Let us take a second look. Send us a Loan Estimate or tell us about your situation. We'll help you understand your options and whether there may be a better path forward.
No pressure to switch. Just a clearer understanding of your options.
Real estate can help build wealth for your family.
A home is more than a place to live. Over time, homeownership and real estate can become part of a broader strategy for building wealth that lasts beyond one generation—starting with your first home and growing from there.
Real estate involves risk. Appreciation and investment returns are not guaranteed. This information is educational and is not a promise of future returns.
Reviews
What families say about us
Real experiences from our clients.
“I went to Brent when I needed help making decisions about my first home purchase. He was patient, kind and most of all helpful throughout the home buying process and even followed up with me after closing.”
Joshua K. · Google review
“Kathy did an exceptional job navigating our complex new construction OTC loan. Her expertise and broad industry knowledge greatly enhanced our loan experience. She is a wonderful asset and great person to deal with. I will be contacting her for refi in a couple yrs.”
David C. · Google review
“Brent was a tremendous help with our son's first home purchase. Not only did he give prompt & excellent advice for the loan & insurance, he checked back with our son throughout the entire process to offer guidance & support - he truly cared.”
Teresa K. · Google review
Questions, answered
Questions, answered.
Where we serve
Local experience. Multi-state reach.
American Mortgage Solutions combines deep Texas roots with the ability to help clients in multiple states. Kathy Rubin serves clients from San Antonio, and Brent Patterson serves clients from the Dallas–Fort Worth area. Together, our team has helped families throughout Texas and beyond.
American Mortgage Solutions is currently licensed in: Texas · Alabama · Florida · Georgia · Louisiana · North Carolina · Oklahoma · Tennessee
Through NEXA Lending, additional licensed mortgage professionals may be available to assist clients in other states.
Hover or tap any state to see our licensing status.
Today, the American Mortgage Solutions team is licensed in 8 states. Through our parent company, NEXA Lending, and its network of licensed loan officers, we can help families in 48 states plus DC.
Bring your questions. Leave with a plan.
Whether you're ready to buy now, planning for later, or just trying to understand your options, the first conversation is about you and what you're trying to accomplish.
No pressure. No obligation. Just experienced mortgage guidance and a clear next step.