Hey! I'm Brian Beland
SVP & Branch Manager

Welcome to BrianBeland.net, the home of Brian Beland, Senior Vice President and Branch Manager at American Mortgage Network. With a distinguished career in the mortgage industry, I bring a wealth of experience and expertise to help you navigate the often complex world of home financing. At the heart of my professional ethos lies a deep commitment to client empowerment and satisfaction. Understanding that buying a home is one of the most significant decisions in a person's life, my goal has always been to make this process as seamless and understandable as possible. Whether you are a first-time homebuyer, looking to refinance, or exploring investment opportunities, my team and I are here to guide you every step of the way.

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Mortgage Services

Conventional Loan Products

  1. Fixed-Rate Mortgage (FRM):
    • Available in various terms (typically 15, 20, 30 years), with a fixed interest rate and monthly payments.
  2. Adjustable-Rate Mortgage (ARM):
    • Interest rate changes over time based on an index. Common types include 5/1, 7/1, and 10/1 ARMs (where the first number indicates the fixed-rate period in years, and the second number indicates how often the rate adjusts after that period).

Government-Insured Loans

  1. FHA Loans:
    • Insured by the Federal Housing Administration, designed for low-to-moderate-income borrowers; requires a lower minimum credit score and down payment.
  2. VA Loans:
    • Guaranteed by the U.S. Department of Veterans Affairs, available to veterans, service members, and their spouses; offers competitive rates and no down payment in most cases.
  3. USDA Loans:
    • Backed by the United States Department of Agriculture, intended for rural home buyers; offers low rates and no down payment.

Specialized Loan Types

  1. Jumbo Loans:
    • For properties that exceed the conforming loan limits set by Fannie Mae and Freddie Mac.
  2. Interest-Only Mortgage:
    • Borrowers pay only the interest on the loan for a set period, usually 5-10 years.
  3. Balloon Mortgage:
    • Requires a large payment at the end of the loan term.
  4. Reverse Mortgage:
    • For homeowners aged 62 and older, allowing them to convert part of their home equity into cash.
  5. Construction Loans:
    • Designed to finance the construction of a new home.
  6. Bridge Loans:
    • Short-term loans used to bridge the gap between buying a new home and selling the current one.
  7. Home Equity Loans:
    • Allows homeowners to borrow against the equity in their homes.
  8. Home Equity Line of Credit (HELOC):
    • Similar to a home equity loan but works like a credit card; borrowers can draw money as needed up to a limit.
  9. Renovation Loans:
    • For purchasing a home that needs repairs or for financing home improvements.
  10. Combo/Piggyback Loans:
    • Involves taking out two loans simultaneously, such as an 80/10/10 loan where 80% is the first mortgage, 10% is the second mortgage, and 10% is the down payment.

Niche Loan Products

  1. Self-Employed Mortgage Loans:
    • Designed for borrowers with non-traditional income sources.
  2. Foreign National Mortgage Loans:
    • For non-residents looking to purchase property in the U.S.
  3. Non-Qualified Mortgage Loans (Non-QM):
    • Do not meet the Consumer Financial Protection Bureau guidelines but cater to those with unique financial situations.
  4. Physician Loans:
    • Tailored for medical professionals, often requiring little to no down payment and not counting student debt against them.
  5. Investment Property Loans:
    • For purchasing rental or investment properties.