James Benincasa, NMLS 1996062

James Benincasa, NMLS 1996062 At American Mortgage Brokers we want to make it easy for you to purchase or refinance a home with highly competitive rates, and personal service.

James Benincasa, NMLS # 1996062
Equal Housing Lender | American Mortgage Brokers # 285381 Licensed MN,WI, FL Mortgage Broker serving home owners, home buyers and residential real estate investors. Equal Housing Lender, American Mortgage Brokers NMLS #285381. I am a licensed mortgage broker, NMLS # 1996062, and am licensed to originate mortgage loans currently in: MN and Florida. Lending services m

ay be provided in certain states by American Mortgage Brokers NMLS #285381. This is not an offer to lend or to extend credit, nor is this a guaranty of loan approval or commitment to lend. The information here may not be up-to-date and may no longer be accurate. Consumers must independently verify the accuracy and currency of available mortgage programs. All loan approvals are subject to the borrower(s) satisfying all underwriting guidelines and loan approval conditions and providing an acceptable property, appraisal and title report.

Current Mortgage and Refinance Rates!
09/08/2026

Current Mortgage and Refinance Rates!

Labor Day is all about celebrating hard work, and while our team is taking a well-deserved break to recharge, I’m stayin...
09/04/2026

Labor Day is all about celebrating hard work, and while our team is taking a well-deserved break to recharge, I’m staying on call for you.

Whether you’re shopping for a home, working through a pre-approval, or need quick answers before Tuesday, don't let the long weekend slow your momentum down.

Have a mortgage question or need an update on your loan? Call or text me directly at 612-269-1546. I’m here to help!

With September being National Preparedness Month, it is a timely reminder that financial readiness matters for your mort...
08/31/2026

With September being National Preparedness Month, it is a timely reminder that financial readiness matters for your mortgage, especially as natural disasters affect more communities across the country.
Natural disasters can create unexpected challenges for homeowners, and understanding your mortgage relief options before you need them can make a difficult situation feel more manageable. From forbearance to disaster relief programs, knowing what may be available can help you feel more prepared if the unexpected happens.
Swipe for more information. If you have questions about how your mortgage fits into your preparedness plan, our team is here to help you understand your options and take the next step.

Your mortgage will likely be the largest financial commitment you ever make, and the right one looks different for every...
08/27/2026

Your mortgage will likely be the largest financial commitment you ever make, and the right one looks different for everyone. Income, savings, credit, timeline, and long-term goals all play a role in finding the loan that actually fits your life.

Before you start shopping for homes, it pays to understand what you're shopping for in a lender. Swipe through key things every buyer should know before choosing a mortgage.

If you’re starting the homebuying process and are ready to start talking numbers, don’t hesitate to give me a call. Our team is here to help.

08/24/2026

US HELOC and Equity Rates Explained

Saving up tens of thousands of dollars is one of the biggest hurdles for first-time buyers, but zero-down-payment home l...
08/21/2026

Saving up tens of thousands of dollars is one of the biggest hurdles for first-time buyers, but zero-down-payment home loans and assistance programs can get you the keys much faster than you think.
Zero-Down Home Loan Programs:
• USDA Loans: Backed by the government, these offer 0% down financing for homes in eligible rural and suburban areas.
• VA Loans: Qualified veterans, active-duty service members, and eligible spouses can purchase with $0 down and no monthly mortgage insurance.
• Down Payment Assistance (DPA) Grants: Many state and local housing agencies offer grants or 0% interest forgivable loans that cover 100% of your required down payment and closing costs.
• Mortgage Brokers: Select the lenders that offer proprietary 100% financing options tailored specifically to first-time buyers.
Stop waiting years to save up cash while rent prices rise. Send me a DM or drop a comment below to see which programs you qualify for today!

For many homeowners, paying off their mortgage early is a top-priority goal. While it may seem out of reach, a thoughtfu...
08/17/2026

For many homeowners, paying off their mortgage early is a top-priority goal. While it may seem out of reach, a thoughtful strategy and a few consistent habits can make a real difference over time. Swipe through for a simple approach and a few additional tips to help you make meaningful progress on your mortgage balance. If you have questions about your mortgage or want to explore your options, give me a call today. I am are here to help.

Fall is more than pumpkin spice and cooler nights. It might just be the smartest time to buy a home all year.With less c...
08/12/2026

Fall is more than pumpkin spice and cooler nights. It might just be the smartest time to buy a home all year.
With less competition than the spring and summer rush, motivated sellers, and the chance to settle into your new place before the holidays, autumn has a lot going for it.
Curious what your options look like this season? Give me a call, and let's find out together.

08/10/2026

Home buyer assistance programs are available!

Attention Contractors, Freelancers, & Gig Workers!Are you self-employed and running into brick walls trying to get appro...
08/06/2026

Attention Contractors, Freelancers, & Gig Workers!

Are you self-employed and running into brick walls trying to get approved for a mortgage without standard W-2s? You don’t need to put your homeownership dreams on hold!
With our specialized 1099 Loan Programs, qualifying for a mortgage is streamlined around your actual lifestyle:
Qualify using 1099 tax forms—no W-2s required
Designed for non-traditional income—1099 contractors, gig economy workers, and independent business owners
Flexible underwriting that evaluates your true earning power
Your hard work should open doors, not close them. Let’s match you with a home loan program built specifically for the self-employed.

Website: www.rlsbroker.com

Address

216 Myrtle Street W #771
Stillwater, MN
55082

Opening Hours

Monday 7am - 9pm
Tuesday 7am - 9pm
Wednesday 7am - 9pm
Thursday 7am - 9pm
Friday 7am - 9pm
Saturday 7am - 9pm
Sunday 7am - 9pm

Telephone

+16122691546

Website

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